Sarah Shkutov Email & Phone Number

Rosemont, Illinois, United States

Rosemont, Illinois, United States

• Provides direct consumer compliance oversight and support of all marketing and advertising, including marketing efforts of the mortgage lending team.
• Provides effective oversight and maintain the required level of compliance set forth by its regulatory agencies as it relates to change management. Subject matter expertise and oversight in a fast paced environment for.
• Reviews advertising and marketing materials for compliance with federal and state advertising laws and regulations, meeting timing expectations. Includes review and approval of marketing promotions, product.
• Provides ongoing support to the Marketing team and other business lines as a marketing compliance subject matter expert. Advises on technical requirements throughout the marketing process enabling the organization to.
• Assists the VP Program Management with oversight of the compliance change control process, overseeing timely reviews by the appropriate compliance staff, completing reporting on the process, and recommending changes to.
• Assists the VP Program Management with new or revised products and services as needed. Assists with other Compliance Program Management projects as needed, including risk assessments, regulatory changes, reporting, and.

Downers Grove, Illinois, United States

• Manages compliance, licensing, and vendor management departments
• Develops, maintains and enforces DKMC policies and procedures to ensure compliance with state, federal and other agencies’ regulations including but not limited to UDAAP, CAN-SPAM, FCRA, TCPA, TILA (Reg. Z), ECOA (Reg..
• Conducts internal compliance audits to ensure compliance with DKMC policies and conduct quarterly meetings with management on findings and action plans
• Prepares, reviews and files all required monthly, quarterly, bi-annual and annual state and quarterly MCR reporting requirements
• Reviews and approves all marketing expenses and materials
• Applies for, maintains and terminates licenses for all individuals, branches and the company through the states and NMLS

Greater Chicago Area

• Assisted in vendor management
• Researched regulations to assist in the development of policies and procedures, training materials and job aids to ensure consistency and uniformity of performance across the organization’s corporate and branch offices
• Coordinated all compliance training materials with all departments
• Ensured changes were implemented consistently in response to federal and state exams and new laws or changes to existing laws
• Ensured changes were implemented that are required based on issues cited in compliance audits
• Ensured that loans originated by the company were fully compliant with all applicable federal, state and local laws and regulations, including but not limited to UDAAP, CAN-SPAM, FCRA, TCPA, TILA (Reg. Z), ECOA (Reg. B).

Greater Chicago Area

Responsible for filing quarterly Mortgage Call Reports for the 8th largest mortgage lender in the U.S. Prepares monthly and quarterly audit and trend analysis reports for internal stakeholders and for submission to investors including Fannie Mae.Assists with corporate, state, and local licensing for branches in all 50 states.

Originated and closed on average $20 million annually via personal and bank referrals.Assisted other sales staff in identifying and interpreting underwriting guidelines via corporate underwriting manuals and AllRegs.

Originated and closed on average $20 million annually via personal and bank referrals.Assisted other sales staff in identifying and interpreting underwriting guidelines via corporate underwriting manuals and AllRegs.

Acted as Interim Branch Manager and supported new Branch Manager. Assisted with analyzing and managing gross and net profit margins to maximize profitability and volume.Originated and closed on average $50 million annually via personal referrals.

Responsible for cradle-to-grave sales and operations of a $250+ MM branch.Recruited, trained, and supported all levels of loan originators, including ones with no experience and $100+ MM producers.Managed the profit and loss statement per corporate objectives.Analyzed and managed gross and net profit margins to maximize profitability and volume per.

Assisted with recruiting, training, and supporting all levels of loan originators, including ones with no experience and $100+ MM producers.Analyzed gross and net profit margins to maximize profitability and volume per corporate objectives.Managed and oversaw all phases of operations, from opening to post-closing, including pipeline management and.

Originated and closed on average $40 million annually via personal referrals.

Collaborated with IT contractors to build a proprietary AI underwriting system; supported end users of this system at roll out.Ensured the timely and accurate packaging of all loans originated by loan officers.Gathered information and took each file from pre-approval to closing.Input proper loan information into the system for processing.Verified loan.

Ensured the timely and accurate packaging of all loans originated by loan officers.Gathered information and took each file from pre-approval to closing.Input proper loan information into the system for processing.Verified loan documents including income, credit report, appraisal, and title insurance and ultimately prepared application for submission to.