SUMMARY

• Over 8+ years of extensive experience as a Business Analyst in Software Development Life Cycle (SDLC), business and functional requirement gathering, analyzing requirements, business process design and software validation.
• Experience working in Financial and banking, Mortgage, risk management and accounting domains.
• Experience in conducting Joint Application Development (JAD) Sessions with SME's and Development team, asking detailed functionality aspects of business process and carefully updating the info to the requirements in an easily understandable format
• Highly experienced in broad range of technologies including business process tools such as MS Project, MS Office Suite, MS Visio, Data Warehousing concepts.
• Process Knowledge of AR/AP/GL, Credit management, Fixed income analysis, Risk management, Mortgage Banking basics (Mortgage cycle), Mortgage Underwriting, Empower and (Unsecured Loans) Personal Loans Operations.
• Experience with designing and verifying databases on Oracle and SQL Server RDBMS using Entity - Relationship Diagrams (ERD).
• Experienced in conducting and facilitating JAD and Work Sessions, Interviews and client meetings, to gather requirements.
• Excellent track record for meeting deadlines and submitting deliverables on time using AGILE/SCRUM methodology.
• Excellent knowledge of the Misys Loan IQ Batch Execution Framework and Expertise in development with Misys Loan IQ APIs.
• Involved in implementing an AGILE solution for Brokerage applications which resulted in enhanced trading efficiency and reduced IT support time.
• Experience with Mortgage loan servicing, Loan Origination.
• Extensive experience in documenting Business Requirements (BRS), Use Case, Functional and Non-Functional requirements, Systems Design Specifications, Systems Requirements Specifications (SRS)
• Proficient in developing Use Cases, architectural flows, Business Process Flow based on UML using MS Visio.
• Extensive Knowledge in E-lending and Black Knight Financial Services (BKFS) platform for the loan and mortgage processing program.
• Organized and facilitated project planning, daily stand-up meetings, reviews, retrospectives, sprint, release planning, demos, and other Scrum-related meetings
• Adept in translating business requirements, reporting requirements and user expectations into detailed system specifications employing Unified Modeling Language (UML)
• Experienced in conducting User Acceptance Testing and coordinating with the UAT participants to get the change requirements.
• Adept in deploying the projects by involving in go-live processes and getting client feedback timely.
• Deep understanding of Investment Management, Asset Management, Prime Brokerage Services, Money and Capital Market Instruments
• Participated in different levels of the SDLC cycles - Analyze, Plan, Design, Develop, Test and Deploy in the waterfall and Agile model.
• Knowledge of Mortgage Loan Origination, Loan Originating Systems (NLS, VITA, Oracle), Servicing, Closing, Mortgage-Backed Securities (MBS), Loss Mitigation, Loan Modification
• Excellent Team player with experience working parallel to analysts, testers, developers, vendors, management and other team members for requirement validation, testing of complex scenarios, and to maintain Quality Standards throughout the Project's life cycle
• Strong customer/user advocate, apt negotiator with excellent analytical, communication, decision-making and organization skills.
• Excellent communication, analytical, interpersonal, presentation and troubleshooting skills.
• Expert at managing multiple projects simultaneously with excellent time management skill and meeting deadlines.

PROFESSIONAL EXPERIENCE

Business Analyst

Confidential - Iselin, NJ

Responsibilities:

• Involved in developing custom InfoPath interface to streamline the process workflow for Project Feasibility, Resource Allocation and Capital Assessment of the SWMC billing department
• Worked on Fixed Income, Bonds and Bond Trading Cycle, Equities and Equity Trade Cycle, Derivatives (Options and Futures), Portfolio Management, Wealth Management, and Sales and Marketing.
• Conducted interviews with key business users such as product management teams and SMEs to collect requirements and business process information.
• 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 - TDD Tool.
• Managed multiple modules in Empower, including Business / Functional Requirements, Configuration and QA, for BKFS's first major Loan Originator implementation w/ Lender compliance - RESPA, UCDP, ULDD, HMDA etc.
• Worked on documenting the projects through final phase Implementation for development of new Financial History Utilities to add information from current Automated Financial System (AFS) Commercial Loan System.
• Gathered and refined business requirements for a new auto loan origination implementation project
• Gathered business requirements through interviews, surveys, and observing from account managers and product management teams and UI (User Interface) of the existing Web Application.
• Identified business and functional requirements through JAD sessions, operational evaluation, RFP and proposal
• Obtained and verified financial information, such as applicant's credit rating and income level.
• Analyzed and evaluated applicant's finances to decide if applicant qualifies for a loan.
• Communicated directly with mortgage banker, customers, agents and attorneys to achieve an ideal customer experience.
• Performed backend testing using SQL to verify the integrity of business data.
• Analyzed and Developed User Metrics Report for Agency Services. Prepared Loan IQ Data Net and Model Training.
• Responsible for numerous decisions in respect to business policies, procedures, methods for implementation. Confidential Pre-payment risk, Risk Analytics for Confidential, Loan Servicing, Loan Origination, Confidential, CMBS, and Secondary Confidential Market
• Reviewed loan applications and analyzed data required to process loan documents and performed validation to ensure loan documents are transmitted to appropriate departments.
• Engage with stakeholders to gather, consolidate, and analyze requirements for each tool, business process and for the overall Decline Curve Analysis (DCA) application rationalization
• Prepared and reviewed of closing documents for purchases, refinances and construction loans.
• Utilized PL/SQL coding and debugging skills to identify data integrity issues and recommend an optimal solution.
• Performed analysis and provided supporting documentation on current EMPOWER Loan Origination Mortgage System, REMIC pooling systems.
• Loan origination and maintenance of credit files according to federal banking guidelines
• Worked with risk management tools for mortgage loan servicing, commercial & residential mortgage, and risk analytics for MBS.
• Application was developed for Online Banking accessing personal accounts, checking balances, payment of recurring bills, such as mortgages and loan payments, transfer of funds between accounts of its customers.
• Master Data Management, including on-going data integrity and validation of system changes and enhancements.
• Tracking down issues and problems faced by customers in existing applications, analyzing them and providing effective solution.
• Worked on gathering requirements for multiple lines of business resources for AFS Commercial Loan System, Data Warehouses and Client digital website.
• Generating reports based on common user issues and making modifications in applications to enhance user experiences.
• 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.
• Conducted Mortgage relevant training to off-shore teams so future releases are delivered defect free.
• Worked as a liaison between developers and QA team in creating Test Plan and Test Cases using Rational Test Manager. Generated test data, and assisted QA team with manual testing whenever possible
• Involved in creating class diagram, sequence diagram, and collaboration diagram using MS Visio.
• Supported development team in unit testing by providing testing data during User Acceptance Testing (UAT) phase.

Business Analyst

Confidential - Detroit, MI

Responsibilities:

• Interviewed Business Users to gather Requirements and analyzed the feasibility of their needs by coordinating with the project manager and technical lead.
• Documented the Web Navigation Process flow through interviews, Walkthroughs with Business Executives, Application Owners and Business Partners
• Facilitated Joint Requirement Planning JRP sessions with SME's in understanding the Requirements pertaining to Loan Origination to Loan Processing.
• Provided ad hoc data analysis and reporting using SQL, Excel and Tableau.
• Conducted weekly meetings to decide the Policies and Procedures to be followed while constructing new sites. Tested Loan IQ operations related to the commercial loan trading system.
• Responsible for gathering requirements from Subject Matter Experts (SME's) and primary user's underwriters and payments department to update premium collection procedure.
• Worked on Mortgage Processing Services based on a platform of Black Knight Financial Services (BKFS) MSP/LSP.
• Assisted and validated Loan data mapping across Empower application database (OLTP/ODS), Confidential 's Mortgage Data Hub (MDH), Servicing (MSP, MISER), Vendor XML’s and downstream applications (NXG, KYC) flat files.
• Wrote Functional Requirements and Non-Functional Requirements based upon the approved Business Requirements by following UML processes and standard procedures for developing Use Cases, Use Case Diagrams, and other supporting documentation.
• Involved with the team on analyzing the implementation of regulatory measures for custom mortgages on AFS Commercial Loan System and documented the configuration of customization setting for billing and Invoicing.
• Extensively researched and collected the customer financial documentations and completed research for suspicious activity reports on KYC, AML, and BSA analysis reports for flagged accounts
• Analyzed client data, documentation and negative news in order to determine client risk profile as established under the global KYC procedures
• Conducted user interviews, gathered requirements, analyzed the requirements by using Rational Rose, Visio and Requisite pro - RUP.
• Worked on streamlining existing loan origination system (Empower) to ensure the loans are processed effectively, quickly, and also reflect recent TRID regulatory changes.
• Helped with data modeling and defining the conceptual and logical model of the data warehouse.
• Extracted financial data from data base and manipulate data in database with SQL
• Developed UML Use-Cases and Use-Case diagrams after accessing the status and scope of the project and understanding the business processes using Rational Rose. Facilitated Joint Requirement Planning JRP sessions with SME's in understanding the Requirements pertaining to Loan Origination to Loan Processing.
• Assisted in the performance of end-to-end data conditioning activities such as identifying/ exporting loans from Oracle, creating transaction templates in (BKFS) Black Knight Financial Services Passport, modifying and loading of loan data via Passport, validation of successful batch cycle and presence of conditioned loan data in MSP, etc.
• Examined and analyzed financial and investment information collected, including daily bond prices, trading volumes, interest rate forecast, yields and future trends and other investment information.
• Prepared an ROI analysis report plan for evaluating the commercial off the shelf (COTS) and supported the change management of COTS application platforms.
• Involved in creating UAT test plans, strong manual, functional, system and regression testing in an agile development environment.
• Involved Validating integration of Empower LOS with Investors and Third-party Services (See Vendor Management below).
• Worked in Business Process Management (BPM) and gather requirement for the clients.
• Involved in cresting Data Stage jobs to extract, transform and load data into data warehouses from various sources like relational databases, application systems, temp tables, flat files etc.
• Involved in designing and developing project document templates based on SDLC methodology

Business Analyst

Confidential - Westlake Village, CA

Responsibilities:

• Facilitate Requirement Gathering sessions with the stakeholders, end users and technical team to identify and capture requirements for Lending Transformation Investor Reporting Project.
• Document the product requirement in various forms such as Business Requirement Document (BRD), Functional Specification Document (FSD) and Wire Frames.
• Involved in creating various UML models like Use Case diagrams, Activity Diagrams and State Diagrams in MS Visio.
• Worked on Using Data modeling concept to define legacy applications and design interface plans with AFS.
• Involved in the design and implementation of data mart, facts, dimensions and OLAP cubes using dimensional modeling standards in SQL Server that maintained data.
• Implemented Agile/SCRUM Methodologies within website development team using JIRA, JIRA Agile, and Confluence.
• Translated ambiguous business requirements into Agile User Stories and Technical specifications.
• Implemented Agile and Scaled Agile (SAFE) methodology throughout project to ensure potentially usable product was readily available to stakeholders.
• Developed UML Use-Cases and Use-Case diagrams after accessing the status and scope of the project and understanding the business processes using Rational Rose. Facilitated Joint Requirement Planning JRP sessions with SME's in understanding the Requirements pertaining to Loan Origination to Loan Processing.
• Participated in 'Admin', 'Driver' and 'Tester' training sessions and assisted Confidential PMO and Business teams with configuration of Empower, using BKFS Quick-Code templates
• Understanding and querying the master data tables to develop the KPI's to measure the actual data quality to increase the efficiency of customer and vendor master data.
• Work on data mapping from Legacy source applications i.e., ACLS, FDR to MSP target (Mortgage Servicing Platform) application.
• Worked on billing system a cash management module and enhanced the encrypting standards that are required for the application.
• Involved in end-to-end data analysis processes and generate reports from them for senior management.
• Analysis of Mortgage Processing workflow. Developed business process flows, Use Cases, and other documentation for expansion loan servicing, securitization, and trading model while coordinating with Development Team.
• Involved in the complete data warehouse development life cycle. Actively supported business users for change requests.
• Involved in testing integration of Empower LOS with GSE Applications - AUS (DU, LP), UCDP, CU, ULDD, MERS, FHA and VA related - CAIVRS, including generation of agency specific Loan number and other Identifiers.
• Worked on gathering Business Requirement and documenting the Technical Design Sessions for converting Commercial Loan's legacy systems to AFS.
• Worked with the team on using Black Knight Financial Services (BKFS) tools (Passport and MSP) to perform data conditioning activities.
• Involved in writing SQL queries for mapping activity and database testing.
• Performed Smoke, Functional and Regression testing and updated the regression tests.
• Support production support team in understanding the issue and reducing the turnaround time.
• Prioritize change requests\enhancements and write requirement document for them.
• Assist business in preparing UAT test cases and coordinate with all the internal and external stakeholders for both functional and nonfunctional requirements and maintain all the project related documents.
• Enhanced, and expanded functionality of Empower LOS system, both through configuration changes, as well as custom development.
• Process mapping, data cleansing, data migration and validation of data table structure in areas of sales, inventory, procurement, production and distribution.
• Documenting user stories in Rally Agile tracking tool to certify proper time-boxing, execution, and completion of relevant tasks
• Involved in creating User Manual and FAQ documents for the end users and provide them training before application go live.

Business Analyst

Confidential -San Diego, CA

Responsibilities:

• Functioned as the liaison between the business line, operations, and the technical areas throughout the project life cycle.
• Interfaced with the client as part of requirements gathering and elicitation to finalize the project scope.
• Conducted JRP sessions with SME and manager to understand business processes, functionality detail.
• Assisted to conduct daily scrum to summarize what has been done, plan what needs to be done, and recognize impediments.
• Organized and facilitated agile meetings as well as supporting the implementation of Agile scrum across all work streams to ensure continuous improvement
• Communicated the most effective way to utilize the Loan Origination System, (LOS) to satisfy business requirements, which may be a combination of both standard and/or custom functionality.
• Helped to create burn down charts to show remaining work in the sprint backlog.
• Validated business objects, Loan IQ and IBS Cognos reports using SQL queries.
• Identified "As is" process and "To be" process as parts of gap analysis for new functionality requirements, as well as prioritizing them based on actual business needs so as to align them with the project roadmap.
• Involved in creating Unified Modeling Language (UML) diagrams for Business Process Modeling like Activity Diagrams, Sequence Diagrams, Data Flow Diagrams, and Flow Charts.
• Involved in creating Mock-up forms in Just in Mind for better visualization and understanding of the GUI.
• Involved in performing data mapping by executing SQL scripts at the backend database to ensure the correctness of the test results.
• Conducted a series of discussions with team members to convert Business rules into Informatica mappings.
• Use SQL during the testing phase to verify and validate that the correct information is being provided.
• Implemented a suitable Change Management process and supported the existing banking solution upgrade by coordinating multiple projects
• Conducted User Acceptance Testing (UAT) to ensure all the business requirements have been fulfilled by the application.
• Conduct and manage all the agile ceremonies (Daily Scrum, Grooming Sessions, Retro, Sprint Planning and Release Planning).