PROFESSIONAL SUMMARY:

• Over 8 years of experience as IT Business Analyst with various financial services, consumer banking, commercial loans, corporate banking and capital market domain.
• 8 years of consistent experience as Business Analyst in the following areas: ability to elicit, analyze, gather, document and manage business requirements.
• Expertise in feasibility requirements analysis, design, construction, BPMN, testing, implementation, and UML methodology.
• Sound Proficiency in analyzing and creating use cases, use case diagrams, activity diagrams, class diagrams, swim lane diagrams, Entity - Relationship diagrams, business flow diagrams and sequence diagrams using MS Visio.
• Strong knowledge in developing a plan, assigning tasks, tracking progress, managing the budget, and analyzing workloads using MS Project.
• Extensive experience in interfacing with the business to document functional requirements.
• Stakeholder management experience coordinating between business leads and IT teams.
• Strong programming experience in SQL. Microsoft certified professional for Querying Microsoft SQL server.
• Adept in creating power point presentation, word document and MS excel for developing custom reports.
• Extensive experience in conducting market research, requirements/change management, impact analysis, gap analysis, and risk analysis.
• Experience working with various defect tracking tools: Quality Center, QTP
• Participated in different levels of the SDLC cycles - Analyze, Plan, Design, Develop, Test and Deploy in the waterfall and Agile model.
• Organized Joint Application Developments (JAD) and Joint Requirement Planning sessions (JRP), Interviews and workshops with end-user/clients/stake holders and the development group.
• Extensive knowledge of GAAP, financial accounting, financial statements, regulatory norms and experience working with compliance and regulatory requirements.
• Adept in consumer and commercial loan analysis, mortgage, credit analysis, profit and loss, balance sheet analysis, cash flow analysis, loan origination, repayment track, eligibility analysis, margin calculation, collateral verification.
• Extensive knowledge on commercial lending life cycle, lending origination, under writing, loan delivery and loan servicing.
• Strong knowledge in products like savings account, checking account, money market, Time deposits, of deposit(CDs), KYC(Know Your Customer), AML(Anti money laundering), ATM, loans, credit, mortgage, asset & liability products, cash management, Internet baking, wire transfers(EFT, ACH, payments) and SWIFT.
• Strong knowledge in capital market products, Treasury, Asset Liability Management (ALM), Custodianship, Asset management, Derivatives, Futures, Swaps, Options, Alternative investment, Investment banking, Equity, bonds, Money market, settlements, profit and loss, balance sheet and cash flow statement analysis.

TECHNICAL SKILLS:

Programming Languages and Web Technologies: C,C++, HTML

Reporting: Crystal Reports, MS Excel

Testing Tools: Win Runner, Load Runner 9.1, QuickTest Pro (QTP) 8.2-10.0

Defect Tracking: IBM Rational Clear Quest, Bugzilla, HP Quality Center

SDLC Methods: Agile, RUP, Waterfall, Cost/Benefit Analysis, Gap Analysis, Feasibility Analysis

Databases: Oracle 7.3 10g, IBM DB2, Sybase, SQL Server 2000/2005/2008

BI Tools: SSRS, Business Objects, COGNOS, SSIS, Informatica, SSAS

Operating Systems: MS Windows 95/98/NT/2000/XP, Mac OS, Unix

Other Tools: Microsoft Project, TOAD, MS Office, MS FrontPage, Microsoft tools, Dreamweaver, Photoshop CS, Aprimo Marketing Studio, Verite (Event Management System), Salesforce, Harte Hanks, First Logic, DNB, SAS, First Logic (SAP)

PROFESSIONAL EXPERIENCE:

Confidential - Minneapolis, MN

Sr. Business System Analyst

Responsibilities:

• Gathering and collating requirements critical to the business process flow and using it for Business Requirement Document (BRD).
• Eliciting, analyzing, documenting, communicating business requirements and system definition.
• Creating RTM (Requirement Traceability Matrix), Use Cases (UML modeling) - Use Case Diagrams, Activity Diagrams, Swim lane Diagrams using MS Visio and also define its scope and objectives.
• Tracking timelines and critical paths for multiple projects.
• Streamlined processes changing from manual to system automation. Identified and defaulted credit conditions and document packages by specific products, business channels or other unique identifiers which resulted in improved productivity and service levels.
• Responsible for facilitating project planning, retrospective and demos.
• Participated in a coordination role, to ensure that task prioritization falls within the corporate strategic direction.
• Conducting and facilitating various JAD sessions for multiple iterations to gather requirements and performed GAP analysis.
• Process mapped Operations which identified redundancies, manual processes and backlogs which improved efficiency of departments and service levels.
• Evaluating systems prepare documents on the process improvements, identify deficiencies and store sensitive data efficiently.
• Worked along with IT teamfrom development phase to implementation phase, represented business in technology meeting, to ensure the end product is as per client’s requirement.
• Successfully defined the business requirements and createdfunctional requirement documents for various data sources, from which programs will be written to develop new systems.
• Exposure to technical aspects of global banking best practice standards, basel norms and exposure to quantitative aspects of risk and risk measurement techniques.
• Assisted the CCAR and Dodd Frank (DFAST) stress testing teams with the documents for regulatory submission.
• Working closely with clients and IT team, to determine the priority of specific requirements based on their value to the business and also provide solutions to functional issues
• Created UAT test plans, strong manual, functional, system and regression testing in an agile development environment.
• Developed materialized views, stored procedures, functions, triggers, packages in MSSQL for various businessrequirements.
• Participated in different levels of the SDLC cycles - Analyze, Plan, Design, Develop, Test and Deploy in the waterfall model as not all the applications are Agile yet.
• Conducting transitioning of the Agile Technology across teams as “early Testing” / “shift left” is the next key to IT Industry.
• Coordinate with the Business partners, Value stream partners of different verticals and the scrum team to analyze and estimate the velocity and capacity for each sprint in the said Program Increment (PI Planning)
• Triage the issues with all the upstream and downstream applications in the E2E for each Sprint in the Agile Technology using the CA Agile Central - Rally Tool.
• Prepare analysis and information reports for management and present recommendations for changes and improvements, to fit in bank’s regulatory system and standards.
• Extracted data from different sources like MS Access, Excel, and text files using SAS/Access, SAS SQL procedures and created SAS required datasets.

Environment: /Tools - SQL, Data mapping, Rally,MS Visio, UML, XML, Agile/Waterfall, Windows XP, data analysis, data mapping, ALM, MS Office (MS Access, Word, MS Excel, MS PowerPoint), SAS/Access, SAS/Base.

Confidential, Atlanta, GA

Sr. Business Analyst

Responsibilities:

• Analyzed the existing business requirements documents to review functional and detail design specification of the application.
• Conducted interviews with key business users and end users to collect requirements and business process information.
• Evaluate business opportunity by conducting market research, creating a business case, eliciting senior management support and funding approvals.
• Creating narrative Use Cases, (UML modeling) - Use Case Diagrams, Activity Diagrams, Data Flow Diagrams using MS Visio and also define its scope and objectives.
• Communicated with business partners and technology to analyze the data to fit the requirements while working with Quality Assurance (QA) teams to ensure business needs were met and systematic bugs were eliminated.
• Developed post-implementation reviews through coordination with QA teams, off-site developers and in-house business users in order to draw out lessons learned and ensure benefit realization.
• Identified and managed project risk by creating an open forum where both developers and business users could participate equally in the continuous improvement of trading and portfolio management technology.
• Conducted project kickoff meetings and Solution meetings with team members to explain roles/ responsibilities, relationships with other groups, deliverables, timelines, assignments and status reporting.
• Organized and facilitated agile meetings as well as supporting the implementation of Agile scrum across all work streams to ensure continuous improvement.
• Participated in daily scrum calls to discuss issues, plan of action and resolve subject queries raised by the technical team.
• Worked in conjunction with the Project Manager and scrum master, to ensure smooth development cycle and made defect reports, while meeting with developers, describing them about defects found in the system.
• Developed reports and structure presentations to present key messages to senior management.
• Logged and maintained the defects daily basis assigned the defects to the related technology partners.
• Performed user acceptance testing (UAT) to validate user requirements and expectation.
• Composed and assimilated data from SQL Server, MS Access and Excel to create data sets.

Environment: /tools - SQL, MS Visio, JIRA, HTML, Agile/Waterfall, Windows XP, data analysis, data mapping, Visual Basic, SOA, SOAP, HTML, ALM, MS Office (MS Access, Word, MS Excel, MS PowerPoint), SAS/Access, SAS/Base.

Confidential, Fargo, ND

Business System Analyst IT

Responsibilities:

• Checking repair queue, trade input (equity and bondfront end system), make amendments and facilitate settlement.
• Attend, Manage and Monitor the emails and in My Queries which is a part of the Work flow management.
• Constantly prioritize process and validate day to day queue in adherence to market zones - (Depository Trust & Clearing Corporation (DTCC), EURO clear and Asian markets) including client cancellation.
• Process, Validate Sub-Custodian FX on time and ensure there is no pending FX to be processed.
• Track all the “Under Investigation” status trades, follow up with the sub custodian for the reasons and update the status.
• Develop a thorough knowledge of all the US markets so that client queries - emails/ phone calls can be handled in the best possible manner.
• Understand the respective NOSTRO, Sub-custodian, and Market Cut-off and ensure trades are processed, validated before the deadline.
• Account trades and reconciliation of book based on recent corporate action.
• Following-up all the pending issues with respective teams. Update status for trades (MT 548) and report to account managers accordingly.
• Understand the Service Level Agreements of the process to ensure that the deadlines are met without discrepancies.
• Perform NOSTRO reconciliations on a daily basis.
• Strictly adhere to the process checklist and ensure frequent updates both process and market wise.
• Preparing Weekly MIS reports, Settlement Date -1 and STP (Straight through Processing) Rate Report.
• Report the failed trades to the account managers on a weekly basis with ageing.

Skills/Tools -MS Visio, Visual Basic, Windows XP, Bloomberg, Finacle, MS Office (MS Word, MS Excel, MS PowerPoint), SQL and SAS.

Confidential

Business Analyst

Responsibilities:

• Handling first level escalated complaints and request raised by the commercial loans like equipment finance, project loan, working capital business loan, asset backed loan, line of credit etc.
• Acquisition of profitable new customers, manage existing loan (asset) portfolio for small - medium enterprise and corporate banking.
• Handling end-to-end activities from acquisition to analysis to presentation of new business cases, get them approved from Credit/risk/compliance and seamless drawdown.
• Deepening, securing existing and new business relationships through analysis of needs and provision of products and services.
• Responsible for managing and servicing a portfolio of existing loan relationships.
• Perform credit and risk assessment of borrowers’ financial and business background.
• Prepare key financial ratios, cash flow analysis, profit & loss and balance sheet analysis, financial projections and underwriting memorandum.
• Responsible to maintain CEO/CFO relationships with corporate banking clients, to originate business.
• Implement and maintain complete control aspects, analysis of statements of accounts, financial statements, due diligence, preparation of credit application, interest calculation, cash flow analysis, documentation & post-sanction monitoring performance of borrowers through periodic account review/renewal & client visits, security creation and tracking repayments.
• Monitor relationship performance regularly to ensure that the return is commensurate with both banks and the customer's risk appetite.
• Interact with the Credit Risk Management group and Advances Division to discuss credit proposals and validate the accuracy of the customer risk profile.
• Apply core management skills, such as organizing and planning to tailor products to cater customer needs and advice clients on various foreign exchange products for hedging.
• Provide financial advice to clients to maximize returns and minimize risks based on clients’ financial profile.
• Implement internal auditing knowledge in evaluating reports.
• Assist the decision-making processes for various business needs.
• Marketing, cross selling of credit and other corporate banking products.
• Mentoring and guiding to team members regarding due diligence, hygiene checks, CAM (credit appraisal memo) preparation & presentation and credit risk monitoring activities.
• Review and analyze collateral in terms its economics, market positioning, leasing, cash flow quality, and valuation

Skills/Tools -MS Access, MS Office (MS Word, MS Excel, MS PowerPoint), commercial loan products, asset backed loan, project loan, real estate, construction loan, working capital, term loan, SBLC(Stand by Letter of credit), Trade products.