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Sandra Gates

@sandragates

I manage complex lending and mortgage capital markets transactions, credit risk oversight, and securitization processes.

United States
Message

I'm currently a Vice President and Transaction Manager at Citigroup, supporting complex syndicated and bilateral lending transactions from origination through closing and servicing coordination.

Previously at JPMorgan Chase, I provided capital markets risk oversight for mortgage servicing rights portfolios, including bulk acquisitions, sales, loan-level stratification, credit-box analysis, and counterparty due diligence.

My work at Fannie Mae, the FDIC, Fitch, and Standard & Poor's focused on mortgage insurance, credit risk transfer transactions, asset valuation, failed-bank asset resolution, and residential mortgage-backed securities analysis.

Across Citigroup, Banc of America Securities, and Credit Suisse, I managed whole-loan acquisitions, mortgage securitizations, trading-desk coordination, documentation, diligence, and settlement for A and Alt-A loan transactions.

Experience

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Education

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Rutgers University logoRU

Rutgers University

Bachelor of Science, Finance

Bachelor of Science in Finance from Rutgers University.

Tech stack

Software and tools used professionally

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