SUMMARY

• Professional Business Analyst with 8+ Years of experience into Banking & Finance sector with solid understanding of Mortgage Applications, Mortgage Servicing, Loan Monitoring, loan modification and commercial lending.
• Mortgage experience includes Consumer Mortgage Lending, Wholesale Mortgage Lending, Warehouse Mortgage Lending and Commercial Mortgage Lending.
• Have considerable expertise in Metadata Management, Data Analysis, Data Profiling & Quality, Data Governance and Master Data management (MDM).
• Experience in Loan IQ and AFS Data Model tables and reference/lookup structure to support business needs.
• Good Knowledge of various financial products like Bonds, Mortgage - Backed Securities (MBS), Collateral Mortgage Obligation (CMO), and Fixed Income Instruments.
• Good understanding of Mortgage Loan origination systems like Encompass 360 and Black Knight Financial Services Empower.
• Experienced with Consent Order, Dodd Frank Operational Risk Reviews, OFAC and Look - Back Projects for transaction monitoring of Fed Funds, CHIPS and Swift wire transfers.
• Extensive CRM experience in MS Dynamics, that includes involvement in Design, development, implementation and management of MS Dynamics.
• Knowledge of Mortgage Loan Origination, Loan Originating Systems (NLS, VITA, Oracle), Servicing, Closing, Mortgage-Backed Securities (MBS), Loss Mitigation, Loan Modification.
• Experience working in various complex IT projects dealing with Loan Origination systems, Trading, Mortgage & Credit Card related Web/Client-Server applications, ERP applications, and Investment Banking operations.
• Strong knowledge in commercial lending products (loans, syndications, guarantees, line of credits, letter of credits) and commercial lending.
• Experienced in the Investment Banking Industry, Project Finance, Credit Card Industry, Mortgage Loan Origination, Loan Servicing, Treasury Services (ACH, Wire Transfers), Brokerage Services, Commercial Banking, Retail Banking, Capital Management and Credit Risk Fundamentals.
• Extensive CRM experience in MS Dynamics, that includes involvement in Design, development, implementation and management of MS Dynamics.
• Strong subject matter expertise in Credit Card Industry, Retail/Investment Banking, Bonds, Derivatives, Risk Analysis, Mortgage Loan Origination, Processing and Loan Servicing.
• Strong understanding of Loan Origination Systems (LOS), Home Mortgages, Credit Loans, Auto Loans, Commercial Loans, Home Loans, Investment banking.
• Extensive experience in working with Risk Management, Mortgage Loan Servicing, and Commercial and Residential mortgage, CMBS, MBS, Mortgage Pre-payment risk, Risk Analytics for MBS, Loan Servicing, Loan Ordination, CMBS, Secondary Mortgage Market.
• Experience with top leading application like FIS, ACBS and Loan IQ by Finastra which covers application implementation of majority of financial institutions.
• In depth knowledge of Trade Settlements process between Loan IQ and IHSMarkit Trade Settlement platforms (ClearPar & Loan Settlement Manager) as well as the communication methods between these applications (Webservices & Message Director)
• Strong knowledge in migrating teh Commercial Lending Process from existing AFS Application to teh new application platform Loan IQ, mainly focusing on teh Commercial Lending Servicing process.
• Good Knowledge of various financial products like Mortgage-Backed Securities (MBS), Collateral Mortgage Obligation (CMO), and Fixed Income Instruments.
• Solid understanding and strong experience with credit risk measures, credit analysis processes, policies and data, risk tendency, and credit limits management. Edge of credit risk mitigation by collateral management, such as CDS/Loan Guarantee, and netting agreement for derivatives.
• Experience in Stucky System which is a Loan processing system.

PROFESSIONAL EXPERIENCE

Confidential, McLean, VA

Sr. Business Analyst

Responsibilities:

• Worked as a Business Analyst, leveraging the knowledge gained for migrating the Commercial Lending Process from existing AFS Application to the new application platform Loan IQ, mainly focusing on the Commercial Lending Servicing process.
• Facilitated development of questionnaires and interviews for SMEs and business users in order to gather requirements while working in an agile environment.
• Coordinated with the Commercial lending group and manage daily credit risk exposures with strong attention detail.
• Created Interface test cases, report test cases, expected results validation, defect tracking using clear quest, version control using Clear Case VOB.
• Responsible for gathering user requirements and specifications for designing a mortgage-based loan system using and documenting the same.
• Helped analyzing business processes and created Business Requirement Definitions for new Loan IQ functionality to accommodate specific regulatory and business requirements.
• Involved in implementing strategies to enable data flow from the loan servicing system to various downstream system including regulatory systems.
• Involved in gathering the requirement with the SMEs to get the maximum information about the work-stream including Mortgage Servicing, Loan Monitoring, and Asset Management.
• Conducted JAD sessions with management, SME, vendors, users and other stakeholders for open and pending issues.
• Involved in the existing Stucky System and the database structure for migration from ABLE to Stucky System.
• Conducted a comprehensive use case analysis to determine key abstractions such as loan underwriting, loan-closed, borrowers-info, mortgage-payments etc, and their mapping to the standard analysis mechanism to enable maximum reuse.
• Involved in System Analysis & Design for Mortgage & Web based-MERS registrations.
• Interacted with teams in AFS and ACBS to extract the information for the reports.
• Provided significant improved provision on fulfilment process to increase timeless and reduce cost.
• Preparing the SDD (Story Definition Document) for the Loan Origination System. Analyzed business requirements for testing phase during execution of loan origination system (LOS).
• Involved in re-underwriting and evaluation of credit risk of pooled commercial mortgage loans to support CMBS B-piece acquisitions.
• Incorporated Rational Unified Process (RUP) to create Business Requirement Document Specifications using MS Visio and MS Word.
• Assisted in API testing using Postman to check if the APIs are returning the data in JSON, XML format as defined in the API documentation (Using Swagger Tool) along with automating the workflows.
• Interacted with various business user groups for gathering the requirements for Salesforce.com CRM implementation.
• Worked on debt-sizing and due diligence underwriting of commercial mortgage loans.
• Involved in the loan modification of existing lending application of single-family loans to help remediate the increased rate of foreclosure to new and existing properties.
• Created various Reports (summary reports, matrix reports, pie charts, and graphics) and Report Folders to assist Service managers to better utilize Sales force and configured various Reports and for different user profiles based on the need in the organization.
• Assisted excel models to derive the amortization schedule for Whole loan products and Mortgage-Backed Securities.
• Performed requirements gathering from the business users of the system while adhering to SDLC (Software Development Life Cycle) industry best practices.
• Closely worked with Salesforce.com consultants while implementing the solutions for the needs of organization.
• Provide weekly report of AFS stock that have not met the delivery dates as per the order book and discuss those issues with the Asia team about making decisions on extending the delivery dates or air freight the materials to the customer’s location based upon the cost.
• Oversaw Black Knight Mortgage Servicing Platform (MSP) System Conversion Project for Originations, Post Closing, CFPB Servicing, Service Transfer, Assignments, MERS and Document Custody workstreams.
• Involved in Test Planning, Test Preparation, Test Execution, Issue Resolution and Report Generation to assure that all aspects of a Project are in Compliance with the Business Requirements.
• Elicited & documented capabilities and process requirements for the end-to-end loan life cycle (LOS) on LoanSphere Lending space LOS tool in compliance with the recent (TRID/RESPA) regulatory Changes.
• Designed the business requirement collection approach based on the project scope and SDLC methodology.
• Documented reconciling financial data submitted by Servicers and Trustees for a mortgage loan servicing application.
• Planned and defined system requirements to Wire Frames with Use Case, Use Case Scenario and Use Case Narrative using the UML (Unified Modeling Language) methodologies.
• Created and managed project templates, use case project templates, requirement types and traceability relationships in RequisitePro and managed the concurrence of the parties involved with respect to the evaluation criterion.

Confidential, Baltimore, MD

Business Analyst

Responsibilities:

• Facilitated Joint Requirement Planning JRP sessions with SME's in understanding the Requirements pertaining to Loan Origination to Loan Processing.
• In-depth interaction with Primary markets, Secondary markets and mortgage-backed securities and asset backed securities for requirement gathering.
• Working with clients to better understand their needs and present solutions using a structured SDLC approach.
• Gathered requirements pertaining to Loan Origination to Loan Processing.
• Involved in developing ETL procedures to ensure conformity, compliance with standards and lack of redundancy, translated business rules and functionality requirements into ETL.
• Participated in project meetings with Loan IQ team members and with clients. Discuss open project issues under my area of responsibility including Loans, Deals etc.
• Performed quality control reviews ensuring regulatory compliance standards in relation to Dodd- Frank Act, fair lending and determined if the system in place was effective in capturing the information required for my reporting.
• Worked on Loan origination for secured and unsecured products, Retail credit risk assessment models, Mortgages, Asset Based Lending, International Payment Systems - CHIPS, Fedwire, CLS, SWIFT
• Worked closely with loan officers to implement functionalities in Cassipae application related to long term loans (fixed and variable), Libor loans, ABR loans, Syndicated loans, Syndicated guarantees, line of credits and letter of credits.
• Created a BRD to integrate various Commercial Lending applications supported by the Credit Risk Management with the bank wide AFS Lending solution.
• Communicate the most effective way to utilize the EMPOWER mortgage system to satisfy business requirements, which may be a combination of both standard and/or custom functionality.
• Using Shared Containers and creating reusable components for local and shared use in the ETL process.
• The system fully supported fixed rate, ARM, GPM, GEM, interest only, deferred payment, home equity, reverse mortgage, second mortgage loan programs, etc.
• Elicited & documented capabilities and process requirements for the end-to-end loan life cycle (LOS) on LoanSphere Lending space LOS tool in compliance with the recent (TRID/RESPA) regulatory Changes.
• Involved in requirement gathering meetings with AFS to understand the entire process of lending from Origination to Servicing.
• Helped with data modeling and defining the conceptual and logical model of the data warehouse.
• Work on the end-to-end Loan origination Scenarios on Empower tool and rules designing based on Business Process Flows identified and end-to-end business flow validation.
• Prepared Logical Data Models that contain set of Entity Relationship Diagrams and Data Flow Diagrams and supporting documents and descriptions of the Relationships between the data elements to analyze and document the Business Data Requirements.
• Planned and defined Use Cases created Use Case diagrams, Scenarios and Use Case Narratives using the UML methodologies.
• Involved in testing all the data elements in Mortgage Account Inquiry Service, which is called to obtain Mortgage loan data from MSP.
• Involved in technical and multiple lines of business resources for AFS Commercial Loan System, Data Warehouses and Client digital website.
• Involved in writing Test Plans, Test Cases and Test Scripts using manual and automated testing tools from Rational and Mercury Interactive such as test Director, Winrunner.
• Facilitated JAD sessions with management, development team, users and other stakeholders to refine functional requirements.
• Provided detailed data mapping between Loan IQ and other core applications.
• Created Use Case Diagrams, Activity Diagrams, Sequence Diagrams and ER Diagrams in MS Visio.
• Created and managed project templates, use case templates, requirement types and traceability matrix in Requisite Pro.
• Created cash flow models for Mortgage-Backed Securities, Whole Loans, Structured Securities using Bloomberg, Intex and ADCO data.
• Collaborated with Quality Assurance Analyst in Automated and Manual Black box testing.

Confidential, Detroit, MI

Business Analyst

Responsibilities:

• Facilitated and managed meeting sessions with the committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring.
• Documented functional specifications to automate the loan approval process for home Mortgage (online application, workflow - for the credit department, upon approval the system routes the application to the underwriters for review).
• Working on various projects of a lending product Loan IQ for servicing the lending activities to their business clients.
• Worked on seamless integration of the bank’s loan system, customer web interface and credit bureaus. Conducted workshop for Business Impact Analysis and identified impacts and mitigation plans for them and documented.
• Gathered business requirements through interviews, surveys, and observing from account managers and UI (User Interface) of the existing Brokerage Portal system.
• Helped in managing development and customization of the LOS by requirement gathering, creating detailed specs and detailed test plan.
• Used SQL queries for organizing and abstracting data from MS access data bases, created reports, forms on MS Access.
• Created test cases scenarios using Loan Administration Application and AFS.
• Involved in designing and developing Use Cases, Activity Diagrams, Sequence Diagrams, Data Flow Diagrams, Object- oriented Design (OOD) using Rational Rose according to the UML methodology
• Involved in testing all the data elements in Mortgage Account Inquiry Service, which is called to obtain Mortgage loan data from MSP.
• Implemented the entire Agile Methodology of application development with its various workflows, artifacts, and activities.
• Worked on the system fully supported fixed rate, ARM (adjustable-rate mortgage), GPM(graduated payment mortgage), GEM (growing-equity mortgage), interest only, deferred payment, home equity, reverse mortgage, second mortgage loan programs.
• Helped in maintaining all of the business rules and LOS validations.
• Investigated the accounting documents of each department and the organization as a whole to ensure compliance of each transaction with the set accuracy, legal and ethical standards.
• Managed all the requirements in RequisitePro, making requirements available to all team members.
• Involved in gathering the requirement with the SMEs to get the maximum information about the work-stream including Mortgage Servicing, Loan Monitoring, and Asset Management.
• Used Rational Unified Process (RUP) to create Business Requirement Document Specifications using MS Visio and MS Word.
• Involved in developing strategies with Quality Assurance group to implement Test Cases in Mercury Test Director for stress testing and UAT (User Acceptance Testing).
• Facilitated JAD sessions with management, development team, users and other stakeholders to refine functional requirements.
• Involved UI requirement and data modeling sessions.

Confidential, New York, NY

Business Analyst

Responsibilities:

• Facilitated and managed meeting sessions with committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring Loan Origination to Loan Processing and Asset Management.
• Involved in identifying business process and developing business process flow diagrams for pre-approvals. Implementation of milestone system for loan processing to increase accuracy and effectiveness of the process.
• Performed GAP Analysis for the modules in production, conduct feasibility study and performed impact analysis for proposed enhancements.
• Actively participated in gathering requirements from various SMEs, Financial Analysts, Risk Analysts and Portfolio Management via JAD/JAR sessions.
• Reviewed mortgage documentation on the UniFi Pro and Loan Origination Mortgage system and gave feedback to QA testers on any challenges of the system.
• Performed analysis at the product level, loan level, borrower level, data capture at various stages, data flow to downstream systems.
• Facilitated meetings with the end users and performed interviews to gather the requirements from them and to convert those requirements into Requirement’s document for the development and testing teams.
• Worked with the XML files and automated and converted them into the specific format to make them easily testable and usable.
• Involved in developing automated workflows for commitments, disbursements, billing, payments, other loan accounting transactions.
• Prepared Business Requirement Document (BRD) and System Requirement Specifications (SRS) then converted Business requirements into Functional Requirements Specification (FRS).
• Documented reconciling financial data submitted by Servicers and Trustees for a mortgage loan servicing system.
• Used Rational Rose for providing visual modeling (UML Models) of the business process for the project and providing cross-reference between the code and the requirements during elaboration phase of the design process.
• Maintained sales reporting using in MS Excel queries, SQL in Teradata, and MS Access. Produce performance reports and implement changes for improved reporting.

Confidential, Richmond, VA

Business Analyst

Responsibilities:

• Gather requirements from business users and analyze them using Rational RequisitePro.
• Involved in developing SFDC Customized Reports, Dashboards and Processes to monitor data quality and integrity.
• Facilitated JAD sessions with SME's in understanding the requirements pertaining to Loan Origination to Loan Processing.
• Assisted with the mortgage loan process, used MS Excel, MS Word, MS PowerPoint, MS Outlook and web-based programs to create mass mailings to solicit business, prepared correspondence, spreadsheets, established workflow for daily operations and created central filing system.
• Conducted workflow, process diagrams and GAP analysis to derive requirements for existing systems enhancements.
• Developed Use case diagrams, Activity diagrams and sequence diagrams to validate different business processes. Used UML to formalize business modeling and data modeling.
• Involved in identifying Functional and Non-Functional requirements and created the Functional System Design document (FSD).
• Helped the QA team to develop the test plans and test cases to perform the blackbox, performance, load, regression and user acceptance testing.
• Assisted in extracting SQL queries to filter out data from the databases.
• Develop test plans/strategy documents and manage test cycles to verify error free implementation of changes using JIRA.
• Created Requirements Traceability Matrix (RTM) for tracing the test cases back to the requirements, ensuring requirements are met in all the phases of the project.
• Worked on REST API to integrate Previous Day Reporting and Current Day Reporting databases.