SUMMARY

• 12 Years of experience in IT Industry predominantly into Banking and Financial Services.

TECHNICAL SKILLS

Business Analysis: Business Case, Business Requirement Document, Functional Specification Document, Joint Application Development Session, User Stories, Process Flows, Test Scripts, Traceability Matrix

Data Analysis: Data Modeling, Data Mapping, Data Profiling, Data Quality Management and Reporting, Reference Data and Metadata management, Regulatory and business reports development and reporting.

PROFESSIONAL EXPERIENCE

Confidential

Strategic Business Analyst

Responsibilities:

• Ensure mortgage Lending guidelines are following company's portfolio and investor requirements.
• Prominent level of knowledge in Mortgage Lending programs, products and its parameters.
• Strategic comparative analysis of company's product/program guidelines vs competitor guidelines.
• Monitor profitability & provide recommendations for growth & contraction to improve profitability.
• Identify opportunities to reduce costs across the mortgage company.
• Prepare in - depth cause and effect analyses on complex financial, operational and credit issues.
• Effectively summarize and present findings and project results to Mortgage leadership team.
• Coordinate with SMEs, business partners, technology group and others via JAD session to develop clear and accurate reporting and process maps.

Confidential

Business/Data Analyst

Responsibilities:

• Prepare data model, data flow diagram, capture critical data elements by preparing Data Dictionary, data quality rules, Data Mapping Logic, Perform Data Mapping, Assess Data quality by Data Profiling.
• Review and Analyse the data for Orphan, Data Type, Data Integrity, Data Completeness outliers.
• Results/reports are obtained in the form of Non-Monetary and Monetary Reports - Trend and Segment with the dispositioned-data/outliers.
• Data quality issues are further investigated by extracting enriched data from Oracle SQL using SQL queries. The detailed and summary data quality report results are shared to country business users.
• Co-ordinate with Country Business/Technology team for data quality issue/outlier resolution through daily status call and obtain Sign off from the Country Business post resolution of the issue/outlier.
• Create User Stories/Bug using JIRA for changes in the system configuration which are not functioning as per the business rule/logic and co-ordinate with the technology team for development towards fixing the issues.
• Coordination with Regional Risk Team and Country Risk team during monthly risk review and weekly status call.
• Perform UAT testing, extract CCAR14Q, FDIC reports from Risk (UI) tool and perform reconciliation with the previously country submitted CCAR14Q, FDIC data for the pre-and post-rainbow period.
• Ensure timely country data submissions for upcoming months by communicating schedule and requirements to countries. Also coordinate for historical CCAR14Q/FDIC restatement submissions as required.
• Identify data anomalies/issues in the recon report which exceeds the global pre-defined threshold (%) and investigate issues by applying the business rule manually for finding the appropriate solution - System/Business
• Generate & Check Data Quality detailed & summary reports for all Fed mandated report submission.
• Coordinate with the respective region for fixing the issues which exceeds the pre-defined threshold for the given reporting (CCAR FR Y- 14A/Q/M, FDIC)
• Document FDIC and CCAR14Q process evidences as needed for possible audit trails and global oversight and Prepare monthly dashboard presentation for FRA team review.

Confidential

Business Analyst

Responsibilities:

• Gather information from business, investigate, get figures, fact finding expedition for capital markets and investment banking area.
• Prepare business case based on the above information that must be signed off. Present business case to Group Change Council for approval and funding. Perform further planning by researching, requesting quotes, vendor engagements. Prepare Business Charter based on information obtained from sponsor or business.
• Prepare Business requirement document and a high-level design document based on this information. Prepare Functional Requirement Document to inform about the IT requirements, functionality, environment, delivery platform required. Recruit project team including internal resources by logging requests and requirements on Navigator.
• Ensure that master source agreement is in place and adhered to according. Ensure that risk assessments are done and agreements are in place. Facilitate and attend regular project progress and status meetings to discuss project status and progress, steering committee meetings.
• Prepare regular documents for distribution including status report, meeting minutes’ reports, steering committee presentation. Ensure good stakeholder management including one on one discussion, conference calls, and meetings.
• Perform people management functions such as workforce and recruitment demand planning, recruitment, talent management and succession planning, mentoring and coaching, management of discipline and grievances, performance development, reward and recognition management, training and development.

Confidential

Transition Manager

Responsibilities:

• Liaison with pre-sales team to provide input for transition plan, timelines, risks to a transition solution that will address the client’s needs.
• Provide RFP response, presentations, conduct client meetings, Interview and Identify Due-Diligence team. Ensure Ramp-up and Ramp down plans are prepared and adhered to. Track and progress transition team formation.
• Responsible for transition activities and publish transition dashboard. Ensure Sales to Transition and to Delivery handover. Ensure proper communication with Key stakeholders and establish linkage. Set expectations to transition team and distribute appropriate templates. Identify and create communication and escalation plans.
• Conduct Kick off Meetings for Due Diligence, Transition and conduct weekly status meetings. Validate and ensure client sign-off on BCP documents, Validate As-Is & To-Be process and get client sign-off on changes. Track client feedback through CSAT, VOC and implementation feedback.
• Review and provide inputs on contract documents, SOW contents. Create and distribute Transition Org Chart. Review and get customer sign-off on SOW, SOP and Operational Manual update.

Confidential

Team Leader - Operations/Business Analyst

Responsibilities:

• Manage overall activities of the underwriting team that supports Consumer Lending. Daily oversight of pipelines to maintain consistent turn time within established benchmarks.
• Maintain efficient underwriting of loans through the team, preserve the integrity of the underwriting decisions and process by assisting with the coordination and enforcement of established mortgage standards and procedures.
• Review and recommend changes and improvements to mortgage practices as appropriate. Monitor underwriting production and turnaround times. Provide review of elevated underwriting decision. Review loans recommended for denial.
• Research and respond quickly to requests from quality control findings and ensuring regulatory compliance. Provide coaching and oversight for underwriters including ongoing training, feedback to underwriters, spot review of underwriting decisions and decision letters.

Confidential

Supervisor | Underwriter

Responsibilities:

• Manage Underwriting Queue and publish pipeline reports. Obtain files submitted to Underwriting Queue and perform file assignments based on Loan Product, Underwriter expertise and business partner relationship. Monitor and assign requests for VA appraisal reviews, Rush Requests, Contract Underwriting, and Conditions Queue. Monitor, track, and prepare Underwriting Productivity reports.
• Coordinate communication between all Underwriting teams and business partners, including setting up meetings and conference calls. Facilitate responses and corrective actions required for all QC audits and escalations. Support all Regional Underwriting Managers including re-assigning work to load balance. Prepare and deliver New Hire requests or Termination procedures.
• Prepare and send weekly reports that require actionable tasks and assist in follow up with managers. Maintain resolution based communication and processes with Underwriting resources. Keep updated on market trends, changing guidelines and requirements. Analyse title, chain of title, Flood/Homeowners Insurance, Appraisal, Lock, Good Faith Estimate, as well as any outstanding conditions. Responsible for accurate review and approve pre-audit and final HUD-1 settlement statement. Review of documents, identify missing or incorrect information.
• Resolve post-closing conditions related to underwriting. Responsible for underwriting mortgage loans of a complex nature, including Conforming Conventional, FHA/VA, and Non-Conforming loan products. Communicate with Processors, Originators, and other internal and external customers.
• Experience with manually underwritten and non-conforming loan amounts. In depth knowledge of Credit Risk Management principles with a strong capacity to address credit related issues and points of risk to ensure underwriting meets quality assurance and investor standards.
• Ability to perform a comprehensive validation review of credit, income, assets, compliance, policy or program requirements, based on automated or manual underwriting results. Input loan decision and pipeline status into the LOS (Loan Origination System).
• Familiarity with secondary marketing requirements. Underwrite loans in accordance with guidelines, utilizing AUS or manual guidelines. Provide timely and accurate communication of credit risk decisions to stakeholders. Lending authority to $1.5 million.
• Review real estate title reports pursuant to company guidelines for approval or rejection. Recognize title defects and formulate curative requirements. Review and analyse deeds, mortgages, easements, judgments, taxes and other applicable instruments. Resolves any issues such as missing, incomplete, inaccurate or contradictory information contained in the title documentation.
• Verifies ownership and legal descriptions of a property and checks for documents that may restrict use. Confirm that all critical information on the title commitment is updated and accurate prior to closing. Knowledge of State Requirements for REO properties. Approve the commitment to insure real estate title to dollar amounts authorized by management.

Confidential

Customer Support Executive

Responsibilities:

• Resolve customer inquiries by phone, chat or email, Learn and utilize specific software tools and problem-solving strategies to solve for customer issues and continuously improve our processes.
• Ensure that customer have the tools and knowledge they need to run their business. Learn and utilize specific software tools and problem-solving strategies to solve for customer issues and continuously improve our processes.