Hannah Gonzales
Concord,CA
Summary
Results-driven finance professional with extensive knowledge of conventional, VA, and USDA guidelines. Expertise in analyzing credit, income, cash flow, debt ratios, and loan-to-value (LTV) metrics ensures informed decision-making and risk assessment. Proven ability to collaborate effectively in fast-paced, deadline-oriented environments while consistently delivering high-quality outcomes. Committed to leveraging analytical skills to support organizational goals and enhance financial performance.
Overview
15
15
years of professional experience
Work History
Operations Manager/Senior Underwriter
Compass Home Loans, LLC
Honolulu, HI
05.2022 - 02.2024
- Oversaw daily operations and managed Operations staff. Acted as a liaison between the Operations team and Sales team in assisting with loan escalations and maintaining customer service levels. Managed Operations pipeline by maintaining compliance regulations and closing deadlines. Monitored quality control through audit findings and ensure adherence to investor guidelines. Responsible for insuring all government loans. Remained active in underwriting conventional, USDA and VA loans throughout this period, reviewing and approving loans to ensure accuracy, compliance, and timely decisions.
Senior Underwriter
Compass Home Loans, LLC
Honolulu, HI
02.2016 - 05.2022
- Underwrite conventional, VA and USDA purchase and refinance loans. Analyzed and validated documentation integrity to ensure alignment with AUS findings and completeness. Evaluated the financial strength of Borrowers to measure risk and repayment capacity by reviewing income documentation, financial statements, and credit reports. Verified compliance with company policies, federal and agency regulations, standards and guidelines, as well as any applicable local regulations.
Underwriter
Stearns Lending
Walnut Creek, CA
06.2014 - 02.2016
- Responsible for underwriting conventional purchase and refinance loans in accordance with Fannie Mae and Freddie Mac guidelines. Analyzed borrower credit, income, assets, liabilities, and overall loan structure to assess risk and repayment capacity. Reviewed loan documentation and appraisal reports for accuracy, completeness, and compliance with investor and regulatory requirements. Applied automated underwriting system findings and perform manual underwriting when necessary to ensure sound, compliant loan decisions.
Account Specialist
CD Federal Credit Union
Concord, CA
10.2008 - 06.2014
- Assisted members with financial inquiries and account needs. Supported relationship-building with current and potential members to enhance satisfaction. Aided in the process of opening new accounts and provided information on credit union offerings such as savings accounts, loans, mortgages, and investment products. Collaborated with loan officers for efficient processing and follow-up on loan decisions.
Education
Associate of Arts - Business Management
Fashion Institute of Design & Merchandising
San Francisco, CA03-2005
Timeline
Operations Manager/Senior Underwriter
Compass Home Loans, LLC
05.2022 - 02.2024
Senior Underwriter
Compass Home Loans, LLC
02.2016 - 05.2022
Underwriter
Stearns Lending
06.2014 - 02.2016
Account Specialist
CD Federal Credit Union
10.2008 - 06.2014
Associate of Arts - Business Management
Fashion Institute of Design & Merchandising