SUMMARY

• 8+ years of Industry experience as a Business Analyst with solid understanding of Business Requirements Gathering, Data warehousing, Data Modeling, Evaluating Data Sources, Translating Requirements into Specifications, Application Design.
• Good Knowledge & experience ofMortgage LoanOrigination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and Title functionalities.
• Experience in Banking & financial domain projects (SecuritiesFinance,Securitieslendingwith collateral, dividends, trade life cycle (front/middle/back office), custody settlements, ECN to Exchange conversions, Swift Alliance, Globe tax services, corporate actions, fixed income and derivatives).
• Solid understanding and knowledge of Equities, Derivatives (Futures, Options, Forwards, Swaps), and Regulatory Reporting and Risk Analysis.
• Proficient in the implementation of a management framework to ensure corporate functions are in compliance with the Federal Reserve's Comprehensive Capital Analysis Review (CCAR) regulatory requirements.
• Strong Knowledge with investment banking regulatory reporting regulations like Basel II Accord.
• Good understanding the knowledge of Risk analysis, Securities (Stocks and corporate bonds) and their valuation, Portfolio Management (risks and returns) and analysis, Asset Allocations Bond pricing, Financial Derivatives, Cash flows, financing structure, Capital Management, Stock Valuation, Amortization, etc.
• Experience working on AML tools such as Actimize, Mantas and related topics knowledge and understanding of fixed - income trading, asset management and portfolio management applications and how they are impacted by the Bank Secrecy Act, USA PATRIOT Act, Dodd Frank Act, Anti-Money Laundering, OFAC and Customer Identification Program, (KYC/CIP), Basel II compliance using industry standards and regulatory guidance, etc.
• Knowledge ofMortgage LoanOrigination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and Title functionalities.
• Experience in development methodologies like RUP, SDLC, AGILE, SCRUM and Waterfall.
• Experience in working with Business Analysis, Processes, Data Mapping, Flow Diagrams and BRDs.
• Excellent practical exposure in supporting the design and testing IT applications related to Mortgage Loan Origination & Fulfillment, Mortgage Backed Securities (MBS) & Collateral Mortgage Obligations, Mortgage Servicing Rights(MSR), Foreclosure & Default Servicing, Capital Markets & Fixed Income Derivatives, Treasury Management, Corporate Finance, Core Financial Banking,, Escrow Accounts, ACH & Wire Payments, Credit Risk Management, Asset Liability Management and Data Warehouse & Reporting Services.
• Excellent understanding of Banking solutions with various end to end integration environments of IFX/SWIFT/SFMS in STP & non-STP formats
• Experience in gathering requirements through Joint Application Developments sessions (JAD) and Joint Requirement Planning sessions (JRP), Walkthroughs, Interviews, Questionnaires and Brainstorming with end-users, clients, stakeholders and the IT group.
• Solid understanding of Business Requirements Gathering, Evaluating Data Sources, Translating Requirements into Specifications, Application Design.
• High experienced with differentmortgage instrumentslikeMortgage Backed Securities MBS, Collateralized Mortgage Obligations CMO, Asset Backed Securities ABS,including the tranche structuring and credit enhancement processes to manageprepaymentandcredit risk. Knowledge and understanding ofthe functions of mortgage agencies like Ginnie Mae, Fannie Mae and Freddie Mac.
• Experience working in projects including Credit cards/Gift cards test, Enterprise Payment Foundation, IWM.
• Expertise in diverse retail banking sectors including lending, deposits, payments, cards, trade finance, treasury, KYC, AML, payment system.
• Good Knowledge in Cards Payment processing and Retail Banking operations like Customer Relationship Management (CRM) and Enterprise Teller (ET).
• Expertise infinancial analysissuch ascost analysis, NPV, IRR, and ROIas well asrisk analysis.
• Knowledge ofMortgage LoanOrigination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and functionalities.
• Experienced in financial instruments within investment banking and brokerage environments (Derivatives, Fixed Income, Hedge Funds, Capital Markets, Energy trading, FX, Futures, Options, Commodities, Debt, Equity and Structured Products, Mutual Funds, Swaps, Asset Backed Securities) and wealth management.
• Experienced in SQL Server Reporting Service (SSRS), Executing Queries and Running Stored Procedures.
• Experience in extracting UI based information by querying the Oracle database using SQL queries.
• Highly Experienced in Microsoft Office Suite including MS Visio, Excel, PowerPoint, Word and Outlook.
• Knowledge in the different banking systems, financial modeling, financialstatementanalysis, operations and the guiding compliance and regulations that support finance and/or core banking functions.
• Good knowledge of different financial services includes commercial banking, middle-market lending, asset-based lending, leasing, cash management and trade finance.
• Extensive experience in conducting Market Research, Feasibility Studies, Data Analyses, Data Mapping Gap Analyses, Risk Identification, Risk Assessment, Risks Analyses, and Risk management.
• Extensive experience in Gap analysis to compare As Is with To Be business processes and offered solutions.
• Experienced in troubleshooting and performance tuning of reports and resolving issues within Power BI and Tableau
• Experienced with QA Team in defining the Test Plans, Test Cases and test execution.
• Experience in working with QA testing teams, while interacting with business users and gathering user's requirements to develop necessary Test plans, Test Cases and Test script.
• Expertise in developing QA Test Plan, Test Conditions, and Test Cases ensuring testing of software.

PROFESSIONAL EXPERIENCE

Confidential, Rochelle Park, NJ

Sr. Business Analyst

Responsibilities:

• Created detailed Use Case documents, Business Requirement Document, Functional Requirement Documents (FDS) and other business documents necessary for the development team and their better understanding of project milestones.
• Reviewing documented loan histories, imaged documents and other available information to ensure the information used to make the home retention orlossmitigationdecision met set guidelines.
• Facilitated and managed meeting sessions with committee of SMEs from various business areas of Mortgage.
• Responsible for performing Functional, Regression and User Acceptance testing on enhancements made to the Empower loan origination system
• Worked on Empower LOS for Retail, Wholesale, and Commercial Loans.
• Review non-performing loan accounts to determine regulatory and investor requirements are met with regard toLossMitigationworkouts.
• Gathered Business Requirements. Interacted with the Users, Designers and Developers, Project Manager and SME’s to get a better understanding of the Business Processes, and Analyzed and optimized the process.
• Utilized Commercial Lending banking application and was responsible for the design and process flow of the system.
• Analyzed requirements for loan request, loan process, member services, processing and portfolio management.
• Generated Use Case diagrams, Sequence diagrams, Business Objects, Domain Object Model, and Visio to depict process flows and PowerPoint presentations
• Held and attended presentations and meetings to coordinate efforts among all the groups, leading the inception.
• Collected business requirements to set rules for proper data transfer from Data Source to Data Target in Data Mapping
• Reviewed loan applications and analyzed data required to process loan documents and performed validation to ensure loan documents are transmitted to appropriate departments.
• Conducted status report meetings with the business and the IT team on a weekly basis, as the most important aspect of the project was Data Mapping.
• 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.
• Identified Use Cases from the requirements. Created UML Diagrams including Use Cases Diagrams, Activity Diagrams/State Chart Diagrams, Sequence Diagrams, Collaboration Diagrams and Deployment Diagrams, Data Flow Diagrams (DFDs), ER Diagrams and Web Page Mock-Ups using Rational Rose and MS Visio and thus defining the Business Process Model and Data Process Model.
• Responsible for Functional and System Testing using Black Box Testing
• Involved in Test Execution, Results Analyzing and Defect Reporting in QC
• Conducted Regression and Re Testing once defects are fixed.
• Creating and maintaining the Traceability Matrix of scripts that needed remediation as part of the data conversion.
• Involved in assisting the development of functional requirements, static testing the applications by preparing and developing the Test Plans and Test Rules, editing and writing Test Cases, Test Scenarios and Test Scripts.
• Executed the test cases manually for various job submissions in batch processing by using the Test Director/Mercury Quality Center.
• Involved in UAT and production validation.
• Getting approval on Test Completion Audit and updating the Test Completion report to CCB for production release.
• Generated server side SQL scripts for data manipulation and validation and created various Snapshots and materialized views for remote instances.
• Prepared graphical depictions of Use Cases, Use Case Diagrams, State Diagrams, Activity Diagrams, Sequence Diagrams, Component Based Diagrams, and Collateral Diagrams and creation of technical design (UI screen) using Microsoft Visio.
• Worked on Documental for Version Controlling, to maintain up to date changes in the Documents.
• Involved in mentoring specific projects in application of the new SDLC based on the Agile Unified Process, especially from the project management, requirements and architecture perspectives.
• Extensively worked on the ETL mappings, analysis and documentation of OLAP reports requirements
• Writing PL/SQL procedures for processing business logic in the database. Tuning of SQL queries for better performance.
• Did the regression testing using pre-existing test cases besides integration testing of various modules.
• Prepared Functional and Behavioral document that describe the detail design of the application.
• Used the Unified Change Management (UCM) tool, Rational Clear Quest to maintain and track the stakeholders requested enhancements and changes.

Confidential, Columbus, GA

Business Analyst

Responsibilities:

• Analyzed feasibility and cost ramifications using HP- PPMC .Managed all projects as a liaison between thebusinessvendor, IT and DTC.
• Facilitated and managed meeting sessions with committee of SMEs from various business areas including Loan Monitoring and Marketing.
• Primary duties included analyzing existing Client Server Empower platform and work towards making it better and robust.
• Completed requirements analysis for Loan Origination System (LOS) project and Compliance Engine project. Documented the same in the form of Requirements documents and Use Cases.
• Analyzed the prior documentation and business processes for full understanding of the project. Interviewed area experts, asking detailed questions and carefully recording the requirements in a format that can be reviewed and understood by both business people and technical people.
• Reviewed the Business requirement specification (BRS) documents and prepared the system requirement specification (SRS).
• Comprehensively worked on ETL mapping, analysis and created RFD for technical design.
• Extensively use trillium for data cleansing activities by using different SQL queries.
• Developed SQL scripts and stored procedures to test ETL and data quality as well as correct any data issue (duplicates, transforms, clean data etc.)
• Prepared Test Plans in MS Word for Manual Testing, System Testing, Integration Testing, Performance Testing, Regression Testing & reviewed their consistency with the business requirements for EMPOWER/Loan Sphere LOS a web based application.
• Worked with QA team for designing Test Plan and Test Cases for User Acceptance Testing (UAT) and verified reliability, performance, and fault tolerance issues
• Involved in converting the business requirements into functional requirements and also created business process models from the requirement specifications. Managed Requirements using Rational Requisite Pro.
• Created Use Case specifications, business flow diagrams, Use Case diagram and Sequence diagram using MS Visio, so the developers and other stake holders can understand the business process according to their perspective with possible alternate scenarios.
• Conducted JAD sessions to allow different stakeholders to communicate their perspectives with each other, resolve any issues and come to an agreement quickly.
• Verified the business scenarios on new builds for testing by QA team. Created Test Plans and Test Cases based on user requirements and functional specifications.
• Rational Clear Quest was used for defect tracking and prioritizing defects and for enhancements after base lining the requirements.
• Held daily and weekly meeting with the development and testing team to relay any changed requirements
• Conducted User Acceptance Testing to improve the usability of the LOS
• Prepared Business Requirement Documents (BRD’s) after the collection of Functional Requirements from System Users that provided appropriate scope of work for technical team to develop prototype and overall system.
• Prepared graphical depictions of Use Cases, Use Case Diagrams, State Diagrams, Activity Diagrams, Sequence Diagrams, Component Based Diagrams, and Collateral Diagr ams and creation of technical design (UI screen) using Microsoft Visio.
• Used Data warehousing for Data Profiling to examine the data available in an existing database
• Manage Scope and change throughout the SDLC process of the product.
• Provide business intelligence analysis to decision-makers using an interactive OLAP tool
• Developed Functional Specification Document and Supplementary Specification (non-functional) Document.
• Participated in the Logical and Physical Design sessions and developed Design Documents.
• Worked with developers to make sure that they understood the Use Cases.
• Implemented basic SQL queries for QA Testing and Report / Data Validation.

Confidential, Muncie, IN

Business Analyst

Responsibilities:

• Met with stakeholders and users to review / manage expectations and identify opportunities to improve ROI.
• Documented requirements based on the business functions offered by FIS ALS such as Payment processing, Escrow, default mortgage, foreclosures, collections & recovery.
• Documented capabilities to extract reports at every milestone (step) of loan process.
• Responsible for implementation of newlossmitigationstrategies
• Work with a select group of representatives from different departments to identify and resolve roadblocks for loss mitigation strategies
• Proactively prepared RASCI Charts and Cross-Functional Flowcharts using MS Excel 2003 and MS VISIO 2003 respectively.
• Participated in each sprint that constitutes the user stories documented out of Product Backlog (PBI)
• Documented requirements for different loan products Home Refinancing, first time home buyers etc.
• The Account Payable interfaces are utilized daily to load fresh data pertaining to internal invoices, personnel records, loan account records, and vendor invoices supplied to and from several Fortune 100 companies.
• Used Agile Software Development process viz. Scrum, as this was a time bound project.
• Facilitated JAD sessions with end users, development and QA teams.
• Authored Business Requirements Document BRD with project teams. Extracted, discussed, and refined business requirements from business users and SME’s.
• Prepared Use cases and Activity flow diagrams and Work flow diagrams, considering the scope of the project with MS VISIO 2003.
• Assisted in creating wireframes for web interface with the GUI design team.
• Created Graphical representation of reports such as Bar charts, Pie charts etc as per the End user requirements using Business Objects and Crystal reports.
• Assisted front-end development teams in integrating Crystal Reports in the .NET application using SDK.
• Used Crystal Reports to design a complex, on the fly, report that displayed complete charts based on the parameters.
• Worked extensively with Risk Management, Mortgage Loan Servicing, and Commercial and Residential mortgage, CMBS, MBS
• Facilitate weekly JAD sessions and interviews with SMEs, senior management and IT teams to track and document Credit Risk, market risk and operational risk related issues and tasks.
• Assisted project managers with the development of project schedules. Developed requirements and preliminary design for client applications. Performed analysis and design projects using a systems development methodology. Worked with all levels of client staff in solution definition.
• Assisted the development team in preparation of the CRUD Matrix.
• Exposed to SQL queries while churning out relevant information from company’s database.
• Assisted in system and user acceptance testing (UAT), free-trial demos, performed client presentations.
• Submitted change requests and worked with change request records in ClearQuest.
• Participated in entering and tracking system defects in Rational ClearQuest.

Confidential, Foothill Ranch, CA

Business Analyst

Responsibilities:

• 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)
• Acquired in-depth knowledge of the banking industry (Mortgage, Assets, and Accounts Receivables/Accounts Payables etc.)
• Performs creditlossforecasting, monitor's credit risk and identifies credit risk areas.
• Maintains the Collections andLossMitigationdepartments' database, and creates and analyzes reports.
• Applies knowledge of the Collections andLossMitigationdepartments and database software to meet the informational needs of the departments.
• Involved in variousbusinessoperations and helped the organization to create the cost-effective production document with increased quality and efficiency method.
• Involved in documenting thebusinessprocess by identifying the system requirements and Data Setup requirements.
• Created High Level Design document (HLD) and Small Project documents (SPD) for client engagements.
• Assists in enforcement of project deadlines and schedules.
• Created Data Mapping to map all the Source fields with the CDM tables.
• Created test plan and test cases of thebusinessprocess or Applications and store it into Quality Center.
• Arranged meetings with managers and otherBusinessAnalysts to understand the various plans, theirbusinessprocess and functionality in detail.
• Identifying new process, find out the gaps on existing process, creating training modules for new process development and Implementation.
• Manages CDM resources in accordance with project schedule.
• Involved in System Integrated and User Acceptance Testing.
• Co-ordinates with Change Advisory Board (CAB).
• Co-ordinate with off-shore team.
• Involved with all the phases of Software Development Life Cycle (SDLC) methodologies throughout the project life cycle.
• Developed Test Plans and Test Cases according to Business Requirements.
• Provided clear and concise documentation regarding requirements management plans, Functional Requirements, supplemental Requirements, Test Plans and Test Cases.
• Acted as User Acceptance Testing coordinator and monitored business testing and interfaced with the development team regarding defect status and fixes on a daily basis.
• Involved in generation and execution of SQL queries.

Confidential, Sacramento, CA

Business Analyst

Responsibilities:

• The project automated retail banking, mortgage processing and created data warehouse for Mortgage Industry data, by grouping the data by subject area and building data models for the various applications, like Collections, Recoveries and Bankruptcy
• Worked in multiple projects during my tenure with ICICI Bank, India, typically 3-4 at a time
• Performed Gap Analysis on the existing Mortgage Repository and drafted the requirements to be built for the Mortgage Data Warehouse accordingly
• Conducted Joint Application Development (JAD) sessions with Client Team, SME, end users and other stakeholders to gather business requirements and translating the same to the development teams
• Worked closely with the Data Modelers during the creation of Collections & Recoveries Data Model
• Conducted several Requirement Gathering Sessions (RGS) for gaining detailed requirements and finalizing Business Requirement Document (BRD)
• Translated Business Requirement Documents to Functional and Technical language with the help of Use cases and UML diagrams for developers
• Strategized implementation of RUP effort throughout SDLC
• Translated Business requirements to functional and technical language with the help of Use cases and UML diagrams for developers
• Validated Technical Designs created by Technical Lead, against functional specifications
• Worked on developing test Cases and plans for Unit Testing, Integration Testing, System testing
• Created and coded a very flexible Load Runner script that allowed for fast configuration changes during testing
• Worked on risk analysis and mitigation plans, status reports, and client presentations
• Coordinated User Acceptance Testing (UAT) and assisted users during UAT. Walked them through Integration Test Cases
• Wrote queries in MySQL and Oracle for data validations, data manipulations and data analysis
• Reviewed the SQLs developed by the Dev Team and ensured that the queries are optimal and adhering to standards
• Creation and preparation of reports, dashboards and PowerPoint presentations for the senior executives
• Creation and preparation of executive summary templates for various business initiatives as required