SUMMARY

• Business Analyst with 8+ years of industry experience in identifying business needs, and determining solutions to business problems for complex software projects.
• Extensive experience in banking operations, banking analytics, credit analysis and software development.
• Profound Experience in Underwriting various commercial loans such as commercial mortgages including construction loans, working capital lines of credit, and asset based lines of credit according to Bank’s Credit Policies.
• Experience working in a complex and geographically dispersed team environments with strong communication and interaction skills.
• Extensive knowledge of Agile methodology, SQL and proficiency in Tableau & knowledge on R & SAS programming.
• Owned and documented project artifacts (e.g. Business Requirements Documents (BRD), Functional Requirement Specifications (FRS), Software Requirement Specifications (SRS), Tech Spec. etc.) capturing viewpoints of stakeholders and transforming business requirements into technical specifications.
• In - depth knowledge and a practical experience of using Waterfall, Agile, Scrums, Business Process Reengineering, Unified Modeling Language and Tableau applications.
• Experience with BABOK Techniques; Business Process Modeling, Use Case Development, Wire framing and Rapid Prototyping to help the business in designing their software models.
• Experience with full Software Development Life Cycle (SDLC) and project life cycle including Feasibility Analysis, Requirements Planning and Management, Application Design and Development, Testing, Implementation and Post-Implementation Validation, and Solution Assessment.
• Utilized proven analytical skills, attention to detail, and a natural curiosity to turn complex data analysis into essential business intelligence.
• Experienced in Business writing skills and Technical writing skills in developing Business Case, Scope Document, (FRD), Non Functional Requirements Documents (NFRD), Use Case Scenarios, Test Plans, Test Cases, AS-IS and TO-BE workflows.
• Hands on experience in User Acceptance Training (UAT): Business, Client and external Stake holders.
• Hands on experience using BI tools such as Tableau for reporting and dashboards with graphs and charts for statistical analysis.
• Experience in designing schemas, creating databases and executing queries using SQL.
• Banking (AML/KYC), FINRA & SEC Regulations, CCAR stress testing and regulatory reporting, BASEL 1, 2 and 3, BASEL Accord, Market Data
• Good Knowledge on Risk Measures such as Beta (Stock Variance), Delta (Volatility Measure) for Options/Derivatives.
• Great Experience in dealing with Business aspects of Hedging Techniques, Market Risk, Credit Risk, Counter-Party Risk for Index Funds, Exchange Traded Funds, Interest Rate Swaps and Financial Risk Management.
• Exceptional Problem Solving and Sound Decision Making capabilities, along with the ability to resolve difficult situations.
• Underwrite various commercial loans such as commercial mortgages including construction loans, working capital lines of credit, and asset based lines of credit according to State Bank’s Credit Policies. Loan amounts typically range from $350,000 to $15,000,000 and total exposure of borrowing relationships typically range from $500,000 to $300,000,000.
• Analysis of various financial statements including audited, reviewed, compiled and company prepared financial statements, tax returns, receivable and payable aging reports, work-in-process reports, Experian credit bureau reports, personal financial statements, and lease agreements.
• Investment Banking, Wealth Management, Risk Management and Corporate Finance.
• Fixed Income, Equities, Derivatives, Forex Trading, Loans, Security Lending, Commercial Lending, Collateral, Insurance, Credit Risk Analysis, CCAR stress testing and regulatory reporting.
• Financial Analysis and Reporting Trading Platforms, Trading life cycle, Front Office, Middle Office and Back Office Order Management, Trade Settlement and Clearing.
• Risk Analytics (Credit Risk, Market Risk), Counterparty Risk, Liquidity Risk.
• Bank holding capital, general ledger, financial accounting and treasury management.

TECHNICAL SKILLS

Processes: Waterfall, Rational Unified Process (RUP), Agile, SWOT, Change Management and Agile-Scrum

Business: Requirements, Use Case, GAP Analysis, Business Process

Modeling & Designing Tools: MS Visio, UML

Languages: SQL

Testing Tools: Agile Testing

Web Development: XML, HTML

Reporting and Analytics Tools: Tableau, Excel Analytics

Statistical Tools: SAS, SPSS, R-Programming

Other Tools: Advance MS Excel (Pivots, VLOOKUP, VBA and Macros), MS PowerPoint

MS Suite: MS-Office, Excel Dash Boards

PROFESSIONAL EXPERIENCE

Confidential

Lead Business Analyst

Responsibilities:

• Working on Risk Management of Banks especially in developing & validating Basel reports.
• Performed Requirements Analysis for CCAR(Comprehensive Capital Analysis and Review) in terms of capital adequacy, Capital ratios, Equity/Liabilities, Loan Loss, Investment Loss, Load to Value ratios and preparing the required templates for generating the Basel reports.
• Facilitated weekly meetings for deciding the Policies and Procedures to be followed while constructing new sites.
• Extracted the Business Requirements from the end users keeping in mind their need for the application and prepared Business Requirement Documents (BRD) Functional Requirement Specifications (FRS), Software Requirement Specifications (SRS), Tech Spec. etc.) capturing viewpoints of stakeholders and transforming business requirements into technical specifications along with the SAS team.
• Worked across multiple lines ofbusinesswith stakeholders to definebusinessrequirements and improved vendor relationsprocess.Identifiedbusinessperformance and alternate metrics
• Performed GAP Analysis to check the compatibility of the existing system infrastructure with the new business requirements.
• Provided analytical support to research, compile, test, and evaluateprocessflows and implemented improvements.
• Generating the statistical models on PD/LGD computations and Scorecards for retail and corporate asset classes of the bank with the support of SAS team.
• Was majorly involved in Data gathering and mapping the data according to the required templates by writing SQL queries.
• Worked on SAS programs for developing the reports.
• Analyzed current business processes and systems to provide business process improvement ideas
• Involved in implementation of Credit Risk Management Server.
• Dealt with Business aspects of Hedging Techniques, Market Risk, Credit Risk, and Counter-Party Risk for Index Funds, Exchange Traded Funds, Interest Rate Swaps and Financial Risk Management for preparing the Credit Risk policy of the bank.
• Provided analytic, statistical and technical solutions for developing the required reports as per the country’s’ central bank norms.
• Used procedures like PROC REPORT, PROC TABULATE, PROC MEANS, PROC FREQ, PROC CONTENTS and PROC DATASETS to generate different reports and run metrics on different data sets.
• Created the process flows in Visio from a business perspective.
• Develop Logical and Physical data models that capture current state/future state data elements and data flows using MS Visio.
• Used Tableau for analyzing, reporting and transforming data. Future forecasting based on the graphs generated through Tableau.
• Created Process Flow diagrams, Use Case Diagrams, Class Diagrams and Interaction Diagrams using Microsoft Visio and Rational Rose.
• Performed Unit Testing and User Acceptance testing and documented detailed results.
• Working with development team for testing before release
• Created worksheets and dashboards in Tableau for showing different user reports and moved it from dev to prod after approval in each step in-between.

Environment: Agile, MS Office, Statistics, Excel Dashboards, SAS, SQL, Tableau, MS Visio, Predictive Analytics

Confidential

Credit Analyst

Responsibilities:

• Validation of models like Scorecard, LGD & EL Calculator, RWA calculator, MIS reports etcand presenting the resultsto Competent Authority using statistics and SAS tool.
• Preparation various financial models such as Working Capital Limits, Term Loan Limits, Letter of Credit (LC) limits, Bank Guarantee (BG) Limits, Forward Contract limits and Export Packing Credit limits (EPC) using statistics and excel.
• Work in close coordination and also maintaining pro active relationship with credit approvers, marketing unit, wholesale banking and other value centers.
• Involved in on Financial Modeling team of the bank and was working on the models as per Banks guidelines
• Building Customer Life time value by calculation Return on RWA and also capital adequacy.
• Understanding the qualitative and quantitative parameters of the portfolio and presenting the results to Senior Management.
• Develop Logical and Physical data models that capture current state/future state data elements and data flows using MS Visio
• Conducted Sprint review and planning sessions for maintaining an agile environment.
• Built dashboards for measures with forecast, trend line and reference lines using Excel Dashboards
• QA testing in lower environment, User Acceptance testing(UAT).
• Developed worksheets for the project in Tableau for business to approve and look at.

Environment: Agile, MS Office, Statistics, Excel Dashboards, SAS, SQL, Tableau, Predictive Analytics

Confidential

Credit Analyst

Responsibilities:

• Working on Banking analytics especially in developing & validating scorecards, conducting financial analysis & evaluating the risk parameters.
• Preparation of Credit Rating Models, Risk Rating Models, Term Loan Model, Working Capital Assessment Models etc using statistical methods and coordinating with external teams for developing on analytical software.
• Identify modelrisks, limitations and propose potential model issues or recommendations based on findings.
• Building Customer Life time value by calculation Return on RWA and also capital adequacy.
• Preparation of CMA data, Assessment of Working Capital Limits, Term Loan Limits, Letter of Credit (LC) Limits, Bank Guarantee (BG) Limits, Forward Contract limits and Export Packing Credit limits (EPC).
• Involved in Financial Modeling team of the bank and was working on the models as per Banks guidelines.
• Analyzing the credit data and segmenting the customers according to the Industry and their performance.
• Determine the degree of risk involved in extending credit by way of calculating LGD and EL.
• Conduct portfolio diagnosis for different products for particular Industries by Target marketing.
• Providing the data based on each asset wise to the vendor by writing queries in SQL.

Environment: MS Office, Statistics, Excel Dashboards, SAS, SQL

Confidential

Credit Analyst - Underwriter

Responsibilities:

• Provide primary support for 3 portfolio managers as well as support other relationship managers when needed.
• Underwrite approvals on existing clients. The approvals include renewals, increases/decreases, modifications, amendments and new loan facilities (Loan Submissions, Waivers and Modifications).
• Derive a risk rating (probability of default) of the borrower by spreading financial statements through a specific bank’s internal model, while considering other quantitative or qualitative aspects not captured in the models.
• Derive a risk rating (loss given default) for various facilities through State Banks’ proprietary facility risk rating model.
• Analysis of various financial statements including audited, reviewed, compiled and company prepared financial statements, tax returns, receivable and payable aging reports, work-in-process reports, Experian credit bureau reports, personal financial statements, and lease agreements.
• Underwrite various commercial loans such as commercial mortgages including construction loans, working capital lines of credit, and asset based lines of credit according to State Bank’s Credit Policies. Loan amounts typically range from $350,000 to $15,000,000 and total exposure of borrowing relationships typically range from $500,000 to $300,000,000.
• Work collaboratively to underwrite an approval when a quick turnaround is needed.
• Preparation of CMA data, Assessment of Working Capital Limits, Term Loan Limits, Letter of Credit (LC) Limits, Bank Guarantee (BG) Limits, Forward Contract limits and Export Packing Credit limits (EPC).
• Many approvals also include the analysis or review of cross-collateralization (collateral coverage ratio), projections, guarantors and loan-to-value.
• Conduct client visits with relationship managers to maintain a strong banking relationship as well as discuss any potential cross-sell opportunities.
• Test various financial, reporting, and non-financial covenants. Take the appropriate action for any covenant violation. Also, report and document any exceptions to State Bank’s underwriting guidelines.
• Conduct analysis of the Borrower’s character, credit worthiness, financial condition, and performance.
• Address risks and/or potential risks of the borrowing relationship as well as mitigate each risk appropriately.
• Analyze the Borrower’s repayment sources from cash flow, collateral, and/or guarantors.
• Conduct borrower site visits and conference calls with the relationship manager and regional vice president to discuss the risks and/or potential risks, better assess the borrower/owner’s character, and discuss any material events or changes to the business.

Environment: MS Office, Statistics, Excel Dashboards

Confidential

Software Engineer (VC++ Developer)

Responsibilities:

• Responsible for working on the improvising the UI features of “ScanRepeater”, a navigational product using VC++, HTML, XML.
• Worked as a software developer and developed various console applications like Antivirus, Teacher Student server Console.
• Developed all the UI pages for applications like Antivirus and Teacher Student server Console using VC++, HTML, XML.
• Worked closely with business analysts in understanding the technical requirements of each project and prepared use cases for different features and designs.
• Wrote queries using SQL Server 2008.
• Implement the requirements within the timelines, with high code quality and with minimal defects leaked to QA.
• Help the Business Analysts in backlog refinement by identifying impacts, cross-dependencies and by providing ROMs.
• Provide technical support and mentor the members of the team
• Was involved in writing SQL queries for the console variances.
• Peer review code to ensure coding standard is maintained.
• Provide support during the End to End testing and UAT phases to ensure quick defect turn-around time with no re-opened defects.
• Successfully executed the entire test cases and fixed any bugs/issues identified during the test cycles.

Environment: Visual Studio C++, MVC, SQL Server 2008, HTML, XML, MS Office, SQL, Agile.