1. PATRICK J. GERAGHTY
225 Summit Road
La Verne, California, 91750
(909) 593-7965 · Cellular (949) 244-6107
citizenpat@sbcglobal.net
PROFILE
Finance Professional with over twenty years’ experience including business
development, management and sales, with expertise in operations, administration,
underwriting, compliance and customer service.
Highlights:
∙ B.A. Degree in Communications.
∙ NMLS License #1030067.CA, AL. AL, CO, MD, NV, PA, TN, WA
∙ Extensive experience in the development of high wealth clients.
∙ Proficient with DU, LP; Point; LOS; MSP; and various mortgage software.
EXPERIENCE
MAJESTIC HOME LOAN
Senior Mortgage Banker June 2015 to Present
FHA, VA and Conventional Specialist, Sold, Locked, Underwrote and Funded residential mortgage loans
INDEPENDENT MORTGAGE BANKER, H&R BLOCK
Professional Tax Preparer June 2012 to 4/2015
RANDSTAD/ONE WEST BANK August 2012 - April 2014 (Contracted with FDIC).
Bankruptcy Analyst (Irvine, CA) - Analyzed bankruptcy foreclosure files for compliance with the
Office of the Controller of the Currency (OCC).
• Reviewed files for accuracy and compliance with state and federal law
PROMONTORY FINANCIAL (Orange, CA)
Quality Control Manager - Reviewed and analyzed complaints as directed by the OCC for the
Independent Foreclosure Reviews (advanced to this position within six weeks from Calculation Analyst).
• Entered data in proprietary case mangement system and matched against the servicer system of record
• Trained new employees; performed final review of all cases
CARRINGTON MORTGAGE SERVICES Santa Ana, CA 2010 - 2011.
Senior Short Sale Analyst - Specializing in short sales and administered a delinquent mortgage loan
portfolio of approximately 150 accounts in collections.
• Assisted borrowers in all aspects of loss mitigation and managed collections, reinstatements,
repayment plans, government and in-house loan modifications, short sales, and deeds in lieu of
foreclosure
BANK OF AMERICA Brea, CA 2008 – 2010.
Senior Loss Mitigation Analyst – Specialized in MHA and HAMP loan modifications, managed
caseload of 200 with full underwriting authority including short sales, deeds in lieu of foreclosure;
ensured compliance with all federal regulations and guidelines.
• Functioned as Fannie Mae Specialist to successfully negotiate large-scale transactions
Accomplishment:
· Negotiated and achieved significant savings for the bank and borrowers.

2. PATRICK J. GERAGHTY / 2
EXPERIENCE - CONTINUED
WELLS FARGO BANK Newport Beach, CA 2006 – 2008.
Private Mortgage Banker - Interacted with high wealth, influential clients as specialist in bank owned
REOs generating sales including retail mortgages, construction loans, investor properties and land sale
financing, completing each transaction within critical deadlines.
• Networked with industry professionals, homebuilders, realtors, vendors and personal contacts
• Trained new staff to ensure the highest level of customer service
Accomplishments:
· Maintained credit authority and single signature accountability up to $1M.
· Accountable for $10+M in new money for the 3rd
qtr. of 2007.
123LOAN/PACIFIC SHORE FUNDING Aliso Viejo, CA 2003 – 2006.
Sales & Operations Manager - Managed the Equity Plus First Mortgage Division including
interviewing, hiring and mentoring a sales staff of 25; established quotas and sales incentives.
• Managed projections and established goals for branch and each account executive
• Monitored reporting for operations including status mangement, funding, shipping, pricing and
staffing models
Accomplishments:
· Developed and implemented the department to grow a staff of 50.
· Increased volume by over 50% for two consecutive years.
· Increased profits from $100,000 to $1M in less than two years, achieving multiple awards.
E*TRADE FINANCIAL Huntington Beach, CA 2002 – 2003.
Sales Associate – As a Mortgage Loan Originator, interacted with prospective and existing clients;
resolved any concerns quickly to ensure client loyalty.
MERRITT LENDING Costa Mesa, CA 2001 – 2002.
Sales Manager – As a Mortgage Loan Originator, hired, trained and supervised a sales team of 12;
liaised with processing and underwriting staff to ensure projects were funded, shipped, priced and
completed promptly.
Accomplishments:
· Increased overall team monthly revenue $50,000 within three months.
· Reversed an under-performing sales team to top performers in nine months.
FIRST PLUS BANK/CITIZEN THRIFT & LOAN San Clemente, CA 1996 – 2001.
Branch Manager – Managed bank branch operations including underwriting, training and setting goals
for retail and outside wholesale teams; ensured goals were met.
• Established incentive program and achieved #1 Branch within 18 months.
EDUCATION
CALIFORNIA STATE UNIVERSITY, CHICO
Bachelor of Arts Degree in Communication
Special Training Included: NMLS Mortgage Loan Originator License, Dale Carnegie, Tom
Hopkins, Human Resources, Management, Sexual Harassment, Drug & Alcohol, and CPR.