Loan Operations & Documentation Specialist

Devon Collins

Address: Jacksonville, FL • Email: ****************@*****.*** • Phone: 302-377- 4832

SUMMARY

Impact-driven loan operations professional with extensive experience supporting residential, consumer, and investment-backed lending in regu- lated, high-accountability environments. Proven ability to safeguard investor capital, ensure documentation integrity, and support scalable lend- ing operations that enable long-term financial strength for borrowers, businesses, and families. Known for disciplined execution, ownership of outcomes, and aligning daily work with broader organizational mission and purpose. CORE COMPETENCIES

• Loan Processing & Credit Documentation Integrity

• Investor & Capital Stewardship

• Risk Mitigation & Regulatory Compliance (FNMA, FHMC, GNMA, TILA, RESPA)

• Pipeline Ownership & Deadline Accountability

• Cross-Functional Collaboration (Underwriting, Legal, Closing, Operations)

• Scalable Workflow & Process Optimization

• Remote Operations & Distributed Teams

• Client & Partner Communication

PROFESSIONAL EXPERIENCE

Mortgage Loan Document Reviewer U.S. Bank Jacksonville, FL August 2024 – Present

• Review and validate mortgage lan files to ensure accuracy, compliance, and readiness for investor delivery supporting the responsible deployment of capital and long-term portfolio performance.

• Safeguard data integrity across multiple systems by identifying and resolving discrepancies related to borrower profiles, loan struc- tures, and collateral documentation.

• Maintain disciplined documentation standards within EMERS, ensuring transparent, auditable loan files aligned with investor and regulatory expectations.

• Collaborate with processors, underwriters, and closing teams to resolve exceptions efficiently, minimizing risk and protecting down- stream stakeholders.

• Improved document review efficiency by 15% through workflow optimization, enabling faster turnaround without sacrificing quality or compliance.

• Support pool release communications and custodial requirements to ensure accurate investor reporting and capital accountability Document Reviewer (Contractor) Dexian Staffing/U.S Bank Jacksonville, FL January 2024 – August 2024

• Conducted thorough reviews of loan and collateral documents, ensuring accuracy and compliance with custodial and legal agreements to maintain client satisfaction and quality control.

• Researched and resolved complex issues, reporting exceptions to Corporate Trust clients and collaborating with internal and external stakeholders to correct errors and ensure loan certification by deadlines.

• Managed file processing and documentation, working directly with clients to address and resolve any identified exceptions.

• Utilized GinnieNet to perform pool and collateral uploads into the emBTRUST document custody system for GNMA accounts, ensur- ing data integrity and adherence to regulatory requirements.

• Proactively communicated directly with clients, providing timely updates on loan status, advising on necessary corrections, and ensur- ing all loans were certified by established deadlines. DEVON COLLINS: ****************@*****.*** 302-***-**** PNC Bank – Remote (Jacksonville, FL) Mortgage Loan Processor – First Mortgage May 2021 – September 2023

• Processed 200+ first mortgage loans annually from application through closing, ensuring accuracy, completeness, and adherence to investor and regulatory guidelines.

• Reduced loan processing cycle time by 25% by implementing streamlined workflows and improving document tracking systems.

• Collaborated cross-functionally with underwriters, loan officers, attorneys, and third-party vendors to ensure timely and efficient loan approvals and closings.

• Reviewed and validated 1,000+ loan applications, identifying discrepancies and ensuring compliance with federal, state, and investor requirements.

• Coordinated with appraisal, title, escrow, and homeowners insurance providers to secure required documentation and confirm proper lien positioning.

• Maintained consistent borrower communication, collecting financial documentation and providing status updates to ensure a smooth customer experience.

• Completed and processed first mortgage and home equity loan applications, managing files from intake through final closing scheduling.

• Trained and mentored junior processors, improving team productivity, accuracy, and compliance awareness. TIAA Bank - (Remote) Jacksonville, FL Mortgage Loan Processor - First Mortgage Trainee September 2020 – May 2021

• Supported end-to-end mortgage processing in a fully remote environment, contributing to responsible lending decisions aligned with long-term borrower success.

• Reviewed income, credit, appraisal, and property documentation to ensure loans met regulatory and internal risk standards.

• Partnered with Loan Officers, Underwriters, and third-party vendors to clear conditions efficiently and keep pipelines moving toward closing.

• Maintained accurate loan data within Encompass and related systems, reinforcing consistency and transparency across the loan lifecy- cle

• Participated in continuous training to strengthen technical expertise and deepen understanding of compliant, scalable mortgage opera- tions.

Consumer Loan Reviewer - SoFi Lending Corporation (Remote) Jacksonville, FL March 2019 – September 2020

• Reviewed consumer loan applications, ensuring compliance with credit policies and procedures, including analyzing credit reports and verifying applicant-provided documentation and income (excluding self-employment).

• Proactively engaged with applicants and collaborated with the Operations Team to facilitate successful progression of loan ap- plications through the process to funding.

• Verified applicant identity, income, and other required documentation, ensuring data accuracy and regulatory compliance.

• Prepared and presented loan applications potentially eligible for credit exceptions to management, providing detailed analysis and recommendations.

• Delivered best-in-class client service through friendly, professional, and responsive communication with both internal and external customers.

• Maintained thorough knowledge of internal processes and procedures, ensuring the quality of loan system data and the adequacy of paperless loan documentation.

• Performed ad hoc duties as assigned, demonstrating adaptability and a willingness to contribute to team goals. Discover Team Coach Discover Financial Services New Castle, DE April 2011 – March 2019

• Created a positive and engaged work environment by building trust, empowering, and motivating a team of 20 associates to achieve performance goals.

• Developed and maintained collaborative working relationships among team members, proactively addressing potential issues and con- flicts to foster a cohesive team dynamic.

DEVON COLLINS: ****************@*****.*** 302-***-****

• Provided employees with regular feedback on job performance, contributing to their professional development and overall team suc- cess.

• Supported the Team Leader in managing team performance, proactively monitoring daily activities to ensure achievement or excel- lence of established goals.

• Monitored calls for quality and customer engagement, ensuring adherence to service standards and providing constructive feedback for improvement.

• Successfully balanced personal phone/performance goals with coaching responsibilities, demonstrating strong time management and prioritization skills.

• Actively participated in and/or led call listening sessions and development programs, calibrating call quality and providing feedback to trainees on daily job duties, utilizing presentation skills to create reference tools.

• Thrived in a fast-paced, detail-oriented environment, rapidly learning and adhering to departmental rules and regulations. SKILLS

• Encompass, Microsoft Office (Word, Excel, Outlook, OneNote etc), LexusNexus, Proficient with scheduling programs such as IEX and Workday, Working in systems such as Teams, MSDOS, Empower, FraudGuard, Orion, NICE, Creative Could Suite, EmbTrust

ACADEMIC QUALIFICATIONS

Associates Degree Media Arts, Design and Technology– January 2007 Wilmington University - New Castle, DE

DEVON COLLINS: ****************@*****.*** 302-***-****

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