GERALDINE FLANAGAN
Roseville,CA
Summary
Extensive knowledge in the mortgage industry 25 years prior underwriting experience Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
13
13
years of professional experience
Work History
Senior Loan Underwriter
American Pacific Mortgage
01.2020 - 09.2022
- Responsible for complete underwriting of FHA, FHA 203K & VA, Conventional Extensive knowledge of investor guidelines, parameters automated systems Responsible for obtaining automated loan approvals from various investors systems.
- Participated in quality control audits, identifying opportunities to improve internal processes for ongoing success.
- Ensured compliance with federal and state regulations through strict adherence to lending policies.
Accounting Assistance
Midstate Specialties, Inc.
01.2019 - 01.2020
- Maintained excellent financial standings by working closely with bookkeeper to process business transactions.
- Matched purchase orders with invoices and recorded necessary information.
- Streamlined daily reporting information entry for efficient record keeping purposes.
- Presented audit findings to accounting manager after reviewing results and paperwork.
- Inspected account books and recorded transactions.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
Senior Loan Underwriter
Sierra Pacific Mortgage
07.2017 - 10.2018
- Responsible for complete underwriting of FHA, FHA 203K & VA, Conventional Extensive knowledge of investor guidelines, parameters automated systems Responsible for obtaining automated loan approvals from various investors systems.
- Participated in quality control audits, identifying opportunities to improve internal processes for ongoing success.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Assisted in updating company guidelines in response to regulatory changes within the mortgage industry.
Senior Loan Underwriter
Plaza Home Mortgage Inc
05.2015 - 07.2017
- Responsible for complete underwriting of FHA, FHA 203K, VA, Conventional, Alt A, Jumbo and Second liens programs
- Extensive knowledge of investor guidelines, parameters automated systems
- Responsible for obtaining automated loan approvals from various investor systems.
- Participated in quality control audits, identifying opportunities to improve internal processes for ongoing success.
- Assisted in updating company guidelines in response to regulatory changes within the mortgage industry.
Senior Loan Underwriter
Guild Mortgage
10.2014 - 05.2015
- Responsible for complete underwriting of FHA, FHA 203K, VA, Conventional, Alt A, Jumbo and Second lines programs
- Extensive knowledge of investor guidelines, parameters automated systems
- Responsible for obtaining automated loan approvals from various investor systems.
- Participated in quality control audits, identifying opportunities to improve internal processes for ongoing success.
Senior Loan Underwriter
Comstock Mortgage
10.2012 - 10.2014
- Responsible for complete underwriting of FHA, FHA 203K, VA, Conventional, Alt A, Jumbo and Second liens programs
- Extensive knowledge of investor guidelines, parameters automated systems
- Responsible for obtaining automated loan approvals from various investor systems.
- Participated in quality control audits, identifying opportunities to improve internal processes for ongoing success.
- Assisted in updating company guidelines in response to regulatory changes within the mortgage industry.
Senior Loan Underwriter
Pinnacle Capital
09.2011 - 10.2012
- Responsible for complete underwriting of FHA, FHA 203K, VA, Conventional, Alt A, Jumbo and Second liens programs
- Extensive knowledge of investor guidelines, parameters automated systems
- Responsible for obtaining automated loan approvals from various investor systems.
- Participated in quality control audits, identifying opportunities to improve internal processes for ongoing success.
Senior Loan Underwriter
Sierra Pacific Mortgage
11.2009 - 01.2011
- Responsible for complete underwriting of FHA, VA, Conventional and Jumbo
- Extensive knowledge of investor guidelines, parameters and automated systems
- Responsible for obtaining Automated loan approvals from various systems
- Maintained excellent FHA, VA endorsement report cards and outstanding secondary market purchase reports.
Skills
- Experienced in New Company start-ups, developing and implementing competitive programs and services
- Productive and efficient work habits without supervision
- Self-motivator with high energy
- Direct Endorsement M598
- VA SAR 2600
- Various computer systems, Excel, Encompass, Point
- Financial History Review
Timeline
Senior Loan Underwriter
American Pacific Mortgage
01.2020 - 09.2022
Accounting Assistance
Midstate Specialties, Inc.
01.2019 - 01.2020
Senior Loan Underwriter
Sierra Pacific Mortgage
07.2017 - 10.2018
Senior Loan Underwriter
Plaza Home Mortgage Inc
05.2015 - 07.2017
Senior Loan Underwriter
Guild Mortgage
10.2014 - 05.2015
Senior Loan Underwriter
Comstock Mortgage
10.2012 - 10.2014
Senior Loan Underwriter
Pinnacle Capital
09.2011 - 10.2012
Senior Loan Underwriter
Sierra Pacific Mortgage
11.2009 - 01.2011
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