Mortgage Capital Markets
Strategy. Execution. Results.
Capital markets leadership across $4B+ in annual production. I build secondary operations that perform—through sharper pricing, smarter execution, and systems that scale.
Expertise
Areas of Focus
From building capital markets departments to optimizing established operations, I focus on the levers that move margin and efficiency.
Secondary Marketing Strategy
Best-execution modeling, pricing architecture, and retain/release optimization. I've built frameworks that drove 333% production growth and reduced loan-level costs by $400K+ annually through Fannie Mae collaboration.
Operational Efficiency
Lock desk workflows, delivery automation, and process optimization. I look for friction points that cost time and margin—then build systems to eliminate them. Increasingly, that means smart AI integration.
Investor Relations & Execution
25+ agency and portfolio investor relationships across Fannie, Freddie, Ginnie, and whole loan buyers. Experience managing loan-to-deposit ratios through strategic whole loan trades and portfolio management.
About
John Collins
Capital Markets Executive
I've spent nearly two decades in mortgage capital markets, progressing from agency reporting through secondary marketing leadership at institutions managing billions in annual production. My career has been defined by building things: departments, investor relationships, execution frameworks, and the operational infrastructure that makes it all run.
Most recently, I've focused on portfolio management and whole loan strategy at the bank level—balancing loan-to-deposit ratios, implementing new PPEs, and rolling out products that fit the balance sheet. I serve on mortgage strategic leadership teams and stay close to both the numbers and the bigger picture.
I'm also a pragmatist about AI. I use it daily to augment my work—optimizing workflows, writing macros, pressure-testing ideas. I believe lenders who adopt these tools thoughtfully will operate at a different level, and I'm interested in helping make that happen without losing the human judgment that matters.
Bear Creek Advisory is my independent consulting practice. If you're thinking through a capital markets challenge, I'm always open to a conversation.
Testimonials
What Clients Say
"John is fantastic. He communicated effectively and walked us through the process from start to finish. He is professional and well educated. I would 100% recommend him, and we will use John for more jobs in the future."
"John was fantastic and solved my problem in no time. I was struggling for hours, and he guided me through within minutes. He is a true expert when it comes to Excel, and I will hire him again for sure!"
"John went above and beyond, especially for the short timeframe. His communication and Excel knowledge, skill, and experience are excellent. He's definitely now my company's Excel expert."
Contact
Let's connect.
Whether you have a specific challenge in mind or just want to start a conversation, I'd welcome the opportunity to hear from you.