Devyani Sullins Email & Phone Number

Sacramento, California, United States

- Draft, review, and negotiate contracts to ensure favorable terms and mitigate risks for the organization.- Generate and analyze comprehensive reports, along with supporting documentation, to facilitate examinations conducted by governing agencies.- Advise and support vendors in optimizing their mortgage servicing models, with a focus on enhancing member interactions and ensuring compliance.- Collaborate with member care leaders to develop, test, and implement robust business process controls, ensuring compliance with regulatory requirements and the effectiveness of operational processes.- Act as a liaison between Golden 1 Credit Union and our vendor, Dovemuehle, to drive process improvements and keep senior leadership informed on the implementation and impact of enhancements in customer service, collections, and loss mitigation.- Oversee the completion of monthly call monitoring and first-line monitoring analyses for Member Care, first mortgage, and sub-servicer operations, ensuring adherence to quality standards.- Maintain an expert-level understanding of state and federal laws and regulations related to credit union compliance, including FDCPA, UDAAP, FCRA, SCRA, RESPA, TCPA, REG B, REG Z, Bankruptcy, and CFPB, ensuring all operations are aligned with these requirements.

Texas, United States

- Ensure a high level of accuracy and thoroughness in all tasks and functions, maintaining consistency in quality and performance.- Research, document, and implement processes to resolve reconciliation issues, applying strong problem-solving skills to achieve effective solutions.- Manage daily workflows and assignments, ensuring completion within established service-level objectives and deadlines.- Conduct detailed account-level reviews and documentation, verifying accuracy and compliance with processing standards.

Texas, United States

• Researched, documented, and resolved to reconcile items, which requires problem-solving capabilities.• Monitored work volume scheduled and provided recommendations.• Created and maintained all daily reports and compliance issues for management.• Implemented and maintained Car pickup schedule for staff.• Provided ongoing communication to the client throughout the process.• Created and revised policies and procedures, and workflows

Sacramento, California, United States

• Created and Maintained Departmental policies and procedures and training materials to ensure compliance Government Sponsored Enterprises (GSE), and Federal and State regulatory agencies.• Generated and analyzed reports and supporting documentation for examinations conducted by the governing agencies.• Analyzed financials and other documents to provide recommendations.• Audited applications and government databases for data accuracy.• Evaluated risk analysis activities to provide recommendations.• Analyzed, wrote, and negotiated contracts

Citrus Heights Ca

• Analyzed, wrote, and negotiated contracts for home and commercial properties.• Generated and analyzed reports and supporting documentation for examinations conducted by the governing agencies.• Provided guidance on the review of flood insurance claims.• Analyzed financials and other documents to provide recommendations.• Audited applications and government databases for data accuracy.• Evaluated risk analysis activities to provide recommendations.• Interviewed disaster survivors, communicated disaster loan programs, examined applications,responded to a variety of home and business-related customer inquiries and provided programinformation. Worked with various financial documents such as tax returns (profit and loss)statements, schedules of liabilities, and balance sheets for individual or business loans.• Mentored, shared best practices and implemented policy and procedures of the disaster program with the employees on the team. Worked collaboratively as a team player.• Knowledge of public assistance programs

Rancho Cordoa, Ca

• Worked with multiple Loan Officers to package, approve and close mortgage loans for their Platinum Privilege and FHA clients. • Developed relationships with mortgage professionals from Appraisers, Title Companies, Tax entities Real Estate Agents and my Clients. • Experienced in both A Paper and Subprime loans • Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment. • Packaged and submitted loans to underwriters for approval. • Analyzed and underwrote financial documentation using Bank of America Guidelines to qualify a borrower’s credit worthiness and constantly met strict timelines to meet the conditions required to fund loans • Successfully resolved title issues and inaccuracies on credit reports • Negotiated Fannie Mae, Freddie Mac, Conforming, Non-forming, and Conventional Loans • Responsible for collecting data and information on delinquent mortgage holders • Negotiate options on mortgage holder’s terms, variable interest rates and financing • Prepared and submitted documents, data and records according to department procedures and government regulation. • Analyze real estate collateral to secure loans. • Determine Credit Worthiness for loans. • Approve or disapprove residential loans • Performed an initial review to establish proper treatment options for the customer in a timely manner for modification review. • Handle complex levels of transactions on multiple operating systems with limited supervision while adhering to company policies, procedures and protocol • Work in Collaboration with Customer Relationship Managers and team members to ensure that all files are treated with the appropriate course of action from start to finish.

Bank Of America

• Advised senior leaders and external stakeholders of changes in policy and procedures.• Updated policy and procedures for different departments according to the federal guidelines.• Researched, documented, and resolved to reconcile items, which required problem-solving capabilities.• Evaluated Contracts, Title policies, Appraisals, credit reports, pay stubs, and W-2s to ensure data accuracy and met policy guidelines and worked with various financial documents such as tax returns, income (profit and loss) statements, schedules of liabilities, and balance sheets for home and business loans.• Worked with Loan Officers to set appropriate closing dates, emailed loan documents to customers for review, and made appropriate changes if any.• Communicated with applicants via email and written correspondence explaining the disposition of loans.