SUMMARY:

• Tenacious, results - driven, and dynamic professional with more than eight years of wide-range experience in the mortgage, loan origination and banking industry and IT business Analyst and Loan, mortgage officer.
• Experience in Business Analysis, Business Modeling, Requirements Gathering, Technical Documentation and Software Validation.
• Strong Knowledge of SDLC, Agile, RUP methodology, traceability matrix, SRS Software Requirement Systems, System Quality Attributes, Non Functional Requirement Documents, Data Modelling Material and project life cycle
• Outstanding skills in Business Analysis, Requirement Analysis, Business Modelling and Use Case Development using UML Methodology.
• An accomplished liaison between Management, Development team and Business Users for gathering requirements and prioritizing them.
• Extensive experience in designing Use Cases, Process Flow Diagrams, Business Requirements and Functional Requirements. BPM, RTM (Requirement Traceability Matrix), CRM Business Analyst experience.
• Strong analytical, communication, problem-solving, decision-making and organization skills. Etc.
• Offered remarkable skills in conceptualizing, developing, and implementing strategic business models to outperform market challenges and deliver bottom-line results.
• Utilized reflective understanding of necessary core issues and concerns for high net-worth consumers; as well as out-of-the-box strategy to improve service excellence, expand customer base, and ensure repeat business.
• Exemplify track record of dealing with 15 software applications, including project management, search engine optimization, business operations, and accounting.
• Display proficiency in MySQL-driven websites, SQL data queries, Microsoft Office Suite, Fidelity, and Lending Portal, as well as analytics and financial/business projection software applications.
• Monitored team who mastered the ability to self-generate new clients through prospecting, advertising and networking
• Consistently handled live transfers from telemarketers, educating potential borrowers on mortgage product and the home purchase/refinance process
• Know how to remain thoroughly aware of all lender guidelines and overlays of all mortgage lenders

TECHNICAL SKILLS:

• OOAD (OOA/OOD)
• RUP
• UML
• SDLC
• Waterfall
• QA
• WAP
• MS Access
• SQL Server
• MySQL
• PL/SQL
• Oracle DBA
• DB2. Windows 98/2000/XP basic UNIX
• HTML basic DHTML basic XML
• MS Project
• ECM
• MS Office Suite-Excel Macros
• Project
• Visio
• Adobe Photoshop
• Flash
• IBM Rational Rose
• Rational- Rational Rose
• Agile
• Waterfall
• Rational XDE
• DOORS
• Cobol
• RequisitePro
• CaliberRM
• Crystal Reports various NIKU products
• C
• C++
• SharePoint
• Docushare
• BASIC
• Intermediate level-Visual Basic

PROFESSIONAL EXPERIENCE

Senior Business Systems Analyst

Confidential - San Francisco, CA

Responsibilities:

• Obtained an award for exemplifying first-rate performance in accomplishing all assigned tasks within time constraints
• Gained acknowledgement for providing software modules for MSP and automating data filtering for non-performing loans
• Prepared web statistical presentation to the LOB Executives for their strategic planning for Online Digital Channel.
• Identify business logic and prepare Business Process Modeling diagrams, Use Case Scenarios, Use Case Stories and describe the requirements with relevant UML Diagrams.
• Prepared UML Diagrams like Activity Diagrams, Sequence Diagrams for the requirements, also prepared Business Process Model for the complete Online Mortgage Application processing System.
• Supported Loss Mitigation department in reducing risk and costs for the Bank
• Created and process modifications and other retention agreements
• Produced appropriate templates for the letters reinforcing states' and investors' regulations
• Complete monthly Restructure Validation Report Derive innovative solutions for the future direction of the Mortgage Product for the Q1 release for 2013. Suggested RFP for the implementation of Special Needs Assistance and Speed Application.
• Reviewed monthly/quarterly/yearly operational losses for the mortgage company in order to identify risks to the company and process gaps. Complete in depth research as needed into root cause in order to assist in development of new processes as well as implementing process improvements for current processes.
• Identified process gaps in current processes for departments in default servicing. Provide support to departments in default servicing.
• Assisted in creation of new scripts for efficient processing of departmental tasks
• Lead meetings and heading projects involving process improvement and implementation of new processes for default departments and reconciliation of transactions- specifically targeted to Sarbanes Oxley Act, OCC regulations, and impending CFPB regulations
• Work independently on projects and reviews to provide information for upper level management. Provide financial reporting- Sarbanes Oxley, OCC, and CFPB

Environment: Windows XP, Mortgage servicing, Agile Environment, Scrum, JAD,MSP, SharePoint Enterprise Content Management (ECM) and Open Text Web, CMS, SQL Developer, HTML 5, Oracle, MS Office, Excel, Gomez.

Business Systems Analyst

Confidential - Fresno, CA

Responsibilities:

• Worked on Operational Projects under Information Services department at Farmers.
• Gathering and defining the business and functional requirement, working with the end-users, programmers, and other business partners throughout this process
• Worked in an Agile Scrum environment with two week iterations.
• Extensively involved in Agile Planning
• In agile team wrote User Stories and Acceptance Criteria
• Create and maintain the Product Backlog
• Create and maintain the Task Board and Information Radiator
• Iteration Planning - Story Prioritization and Decomposition of stories
• Coordinate and conduct the various Agile ceremonies - Story pointing, Backlog Grooming, Iteration Demo and Iteration Retrospective
• In Agile team supported Release Planning
• Manage the Ration Team Concert (RTC) in support of the Agile Methodology
• Maintain the Iteration Burn Down and Release Burn Up.
• Documenting the business and functional requirements and obtain sign-off/approval through a system walk through
• Collaborate with subject matter experts for in-depth analysis of new requirements for the claims approved by the underwriters.
• I am responsible for providing assistance to my assigned Loan origination Officer (LO) as he worked to convert prospective clients into closed/funded loans. Through providing sales assistance, loan origination coordination, document collection, customer service and follow through with all facets of the loan origination process to the assigned LO
• Provide consulting services to regional staffing companies who are in the process of developing MSP programs for clients. Develop and design MSP (Mortgage) program, service materials, and Implementation Services for firms to sell to their client. Optimize current programs for end clients. Hire and Train staff for program on-sites and client services at various locations.
• Developed and customized Onsite/MSP (Mortgage) category programs for clients of staffing firms.
• Worked as Subject matter expert for MSP (Mortgage) implementation process. Modified operations and compliance of programs, reviewed legal content, composed master framework and orientation of 3 programs worth more than $15M for two staffing industry clients at 25 end user locations.

Environment: Windows XP, Seapine, Loan origination, Mortgage-MSP, Claims Processing System, eCrop, CropHail, SQL Developer, Oracle, Toad, Test Director, Microsoft Office, Excel, Interwoven TeamSite 7.2.1.

Business Analyst

Confidential - Bethesda, MD

Responsibilities:

• 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. Resulted in improved productivity and service levels.
• Developed, tested and implemented Government, Specialty products and custom documents which met business needs and increased productivity.
• Managed and coordinated all phases of Software version update project and supported staff - met stringent deliverables and implementation date.
• Processed and mapped Operations which identified redundancies, manual processes and backlogs which improved efficiency of departments and service levels.
• Decreased cancellations by 10% by utilizing six sigma methodologies and identifying the main causes. Developed system identifier and escalation processes which improved customer service, escalated timeframes and increased loan retention and revenue.
• Trained staff of Business Analysts, Subject Matter Experts, Project Managers, end users and Testers which created synergy and proficiency.
• Participated as lead on new loan origination system project, defining requirements, testing and facilitating meetings with Seniors Managers, vendors and subject matter experts.

Environment: Windows XP, Agile Environment, Loan origination, Mortgage servicing platform, Scrum, MSP, MS Office, Excel, Visual Source Safe, IVR Systems, HTML 5, UML, Toad, Subversion, ClearQuest, Site Catalyst, Oracle, Visio, Dreamweaver, Adobe Live Cycle Designer & Captivate.

Business Analyst

Confidential - Bethesda, MD

Responsibilities:

• Cultivated and maintained relationships with borrowers and mortgage staff, Work closely with the operations staff (particularly processors, underwriters, and Closers)
• Knowledgeable of all mortgage industry regulations, including the Fair Credit Reporting Act, the Real Estate Settlement Procedures Act, the Community Reinvestment Act, Truth-in-Lending laws, etc.
• Applied underwriting standards of our various investors (Chevy Chase Bank, Fannie Mae, Freddie Mac, FHA, VA, etc.) to each transaction to ensure that borrowers are put into a loan program for which they qualify. This includes analyzing people's credit histories to ensure that they are eligible for our products (and how to counsel them if they are not)
• Successfully registered with, and obtained a Nationwide Mortgage Licensing System (NMLS) number in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act)
• Facilitated meetings with Project Manager and other major stakeholders with Vision Source Board to discuss scope of application.
• Assisted Project Manager in creating a Project Plan that included the Scope, Objective, Time and Human Resource Constraints.
• Lead Sprint sessions, attended daily hurdle calls involving all cross-functional teams center.
• Assisted Project Manager by coordinating research of different web portal to determine trends in Web application development. Crafted Presentation to illustrate findings and Delivered Presentation.
• Facilitated Contextual Inquiry/Observation method for uncovering usability issues and user desires by observing interaction with the interface in the context of the user’s work environment.
• Participated in Business Labs to understand the business flow in details, Capture major issues with the current portal site, modeled the “As-Is” process using MS-Visio.
• Conducted meetings with key users, i.e. Business Architect, Claim agent, consumable agent and held meetings with them to derive the User Requirements Specifications (URS) document.
• Identified Use Cases from the requirement and created UML Diagrams including Use Case Diagrams, Class Diagrams, Data Flow Diagrams and Web Page Mockups Using MS Visio to define the business and data process model.

Environment: Mortgage, Loan origination, Windows XP, Agile Environment, Scrum, JAD,MSP, SharePoint Enterprise Content Management (ECM) and Open Text Web, CMS, SQL Developer, HTML 5, Oracle, MS Office, Excel, Gomez.