Customer Service Sales

PROFESSIONAL SUMMARY

SKILLS

WORK HISTORY

Pamela Hamel

**** ******* ***** *****, ****, Clearwater, Florida 33762

727-***-**** ***********@*****.***

Senior Mortgage Underwriter with over 25 years in the field, assessing all aspects of loan risk, and additionally assisting in policy and product guidance. Valid CHUMS/SAR ( for 14 years). Most recent loan management system is Encompass.

• Excellent time management

• Relationship Builder

• Strong Analytical Skills

• Proactive Team Player

• Self-Motivated and Driven

SENIOR UNDERWRITER 07/2012 to 12/2018

Eagle Home Mortgage LLC - Tampa, FL

Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.

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• Underwrote residential loans for Eagle Home Retail and Eagle Home Builder Division.

• Met and exceeded daily and monthly goals while maintaining quality Clearly communicated FHA/VA/CONV/BOND/USDA, along with corporate, and investor guidelines to customers, loan processors, and sales associates.

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Performed secondary review and escalation point for conventional loans and government loans.

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Thorough knowledge and analysis of complex personal and business tax returns, Profit and Loss and balance sheet.

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SENIOR MORTGAGE UNDERWRITER 03/2007 to 05/2012

Bank Of America Corp - Renton, WA

Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.

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Clearly communicated FHA/VA/CONV/BOND/USDA, along with corporate and investor guidelines to customers, loans processor, and sales associates.

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• Met and exceeded required monthly goals while maintaining quality and evaluating risk.

• Provided training/mentoring to underwriters, loan processors and sale associates.

• Met Bank of America requirements for Conventional Level 5, FHA Level 3 and VA Level 3 SENIOR PROCESSOR/MORTGAGE UNDERWRITER 04/2006 to 03/2007 EDUCATION

Evergreen Home Loans - Bellevue, WA

• Processed loans received by Loan Officer with follow up communication to the borrower.

• Processed loans with efficiency prior to submission to underwriter

• Promoted to Underwriter and received CHUMS number Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.

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• Met daily and monthly goals while evaluating risk and maintaining quality. East High School - Bremerton, WA High School Diploma

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