Operations Mgr. Senior Underwriter

Pamela D. Hoff-Mulligan

208-***-**** Cell

**********@*****.***

Career Objective:

To obtain a position where I can develop and excel while giving my best to an employer. I am a dedicated working individual who works well on my own or in a busy environment.

Skills and Professional Experience:

5/6/2020 to 12/16/2021: Underwriter for Guild Mortgage- Underwriter for the NW Region, Twin Falls Id., North Dakota, Montana.

9/19/2013 to 5/5/2020: Guild Mortgage – Fulfillment Center Manager/ Underwriter.

FHA, VA, Fannie Mae, Freddie Mac, Rural Development, and Local State Housing Authority

1/5/2012 to 8/15/2013: Intermountain Community Bank – Sr. Loan Processor back-up Underwriter

Backup underwriter – Fannie Mae, Freddie Mac, FHA, VA, RD, IHFA (I setup, process, underwrite own pipeline and closed all my own loans for 4 Loan Officers) I also am back up underwriter for all Home Loan Center when needed

Process loans for 4 Loan Officers/ Backup processor for all loan processors in Home Loan Center when needed.

Process construction loans (Two step, All in One’s).

Setup all files and prepare all initial disclosures and all re disclosures

Back up closer: Draw closing documents; approve HUD 1 settlement statements for my own pipeline. This happened just recently as closed my own pipeline up until three months ago

Communicate with customers, Title Companies, Realtors

Meet Quality Control Guidelines

Education:

Continued education classes in: Underwriting/Processing/FHA/VA/ Home Equity/Fannie Mae/ Freddie Mac/ Idaho Housing/RD/Appraisals/ Self Employed/ Fraud Awareness/Construction loans/ Certifications in all new regulations for lending/Point/MyKey/some Encompass/Excel/Microsoft Office/Compliance and HMDA

April 23, 2002 Lender Appraisal Processing Program SAR #010129

September 28, 2001 Certification of completion of Understanding Real Estate Appraisal Correspondence Course

1999 Freddie Mac Loan Prospector Certification

1998 Direct Endorsement Underwriter CHUMS #U206

Boise State University Micro Computer Class

Continental College of Beauty

Graduated from Caldwell High School

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