SUMMARY

• Extensive experience with Requirements Gathering, Data Reporting, and Process Requirements Gathering.
• Proficient in the following Mortgage Banking programs: Agent Desktop, Lender Live, Default Workflow, MSP (Black Knight Lending Portal), VLS, LPS, Fortracs
• Proficient in the following Microsoft programs: Word, Excel (Reporting, Formulas), Power Point, and Explorer

• Project Management, UAT, DEV, CRM, MSP Reporting and Data Output, Agile, ALM, JIRA, SQL / SSRS
• AD HOC Reporting
• Business Intelligence
• Ability to organize and track multiple projects
• Complex Analytical Thinking
• Business Requirements Gathering
• Exceptional verbal and written communication skills.
• Ability to relate to and communicate effectively with all levels of client personnel, in professional manner
• Exceptional interpersonal skills and ability to interact with both external and internal customers, establishing and maintaining effective working relationships
• Business Process Improvement
• Rick & Compliance
• Self - Managing
• Expert in creating formulas, pivot tables, macros within Excel
• AML /KYC
• Quality Assurance
• Loan Document Review
• Business Document Review
• Able to function effectively as an independent contributor and as part of a team.
• Strong time management skills, attention to detail
• Strong knowledge of financial and/or loan processing services technology, including systems, applications, practices, and emerging technologies.
• Ability to quickly become proficient with new technologies
• Management

PROFESSIONAL EXPERIENCE

Confidential, FL

Sr. Business Analyst

Responsibilities:

• Identifies relevant stakeholders (clients, third party suppliers, internal team etc.) and their area and level of influence in each project.
• Manages the stakeholders and communicate appropriately to avoid escalations resulting from BA deliverables or processes.
• Responsible for driving detailed conversations on product functionality and integration as well as developing conceptual models, solution proposals, and other documentation as required for platform solutions in support of a customer’s smooth transition from sales, through implementation.
• Manages lifecycle of products and features on Confidential ’s data platforms from market requirements to product release, including but not limited to: concept, scope, specification, design, prioritization, implementation, business acceptance testing, deployment, maintenance, and analytics.
• Collaborates with other Confidential Business Units to define, align, scope, prioritize, implement, launch, learn, and enhance product features that leverage the capabilities across Confidential .
• Communicates problems, issues, risks, and solutions both by written and oral methods to appropriate stakeholders and leadership.
• Develop presentations, communications and training. Participate in training development
• Responsible for accuracy and completeness of system record data maintained on various platforms.
• Act as a business liaison between the finance, operations, sales, and business units to work out and implement a corporate financial forecast.
• Works with Business Leaders and financial analysts to identify, design and build detailed and robust models to provide critical data intelligence.
• Develops and prepares analytics and financial summaries to support corporate strategic planning.

Confidential - Jacksonville, FL

Business Analyst

Responsibilities:

• Reviewed Mortgage Documents to provide quality work back to all Conventional / Private and Govt Investors.
• Top producer while maintaining exceptional quality.
• Assisted with Wells Fargo Servicing Notes & Goldman Sachs loan reviews.
• Assisted management with identifying all data reporting data discrepancies for Confidential Modification Reviews.
• Aided with creating data mapping in LUSY and creating new client scripts.
• Assisted with creating a standard template for Due Diligence clients.
• Reviewed reporting requirements and compared to sample reports to identify potential gaps.
• Assisted with creating Dashboard reports using Excel.

Confidential

Originations Underwriter

Responsibilities:

• Applied knowledge of mortgage servicing process and/or Chase credit underwriting guidelines.
• Adhered to all Chase Fair Lending practices
• Reviewed all loan underwriting and modifications documentation to ensure compliance with investor requirements (e.g., loan documents, appraisals, etc.).
• Analyzed financial information including calculation of income and debt ratios, verification of assets, collateral review, and credit review.
• Analyzed problems and identifies potential or innovative solutions, identifies documentation deficiencies within review and communicates findings
• Kept up to date on all credit policy changes that impact underwriting
• Displayed customer service excellence
• Applied relevant technical and computer expertise
• Wrote effective communications
• Achieved work goals for productivity, quality and turn time

Confidential

Business Analyst II

Responsibilities:

• Applied knowledge of mortgage servicing process and/or Chase credit underwriting guidelines to provide the best mortgage product for the customer’s situation.
• Reviewed all loan underwriting and modifications documentation to ensure compliance with investor requirements.
• Used Excel to create Formulas to retrieve Data from web passed software to build / enhance reports.
• Created charts for upper management to help them forecast future work (how many loans we were expecting to come out way, how many agents we had, how many man hours it would take, etc.)
• Responsible for creating what we called an “Exception Report” - This tracked all loans worked by the agents from start to finish, the age of the file, the status it was sitting in if still in their queue (updated the status as needed when new issues would arise / be corrected), pulled in the number of files completed each month for each agent, how many files were checked by QA, how many errors and that percentage error rate)
• Used Excel to create VLOOKUP’s / HLookups - all mathematical formulas used by most and created formulas to bring data over from one spread sheet into another.
• Responsible for Process Requirement Gathering - this fall into the facilitation of the calls between all stakeholders (put BRD’s together for the dept showing the waterfall for the Gov’t programs like FHA HAMP, FHA BAU, etc.)
• Created all Test Script Scenarios and tested all test scripts for ALL projects in both UAT and DEV environments.
• Projects included: FHA HAMP to FHA BAU Conversion Project; EMC to MSP Conversion (Chase bought EMC Loans); and USDA HAMP Conversion.
• Created BRD for converting all USDA HAMP MODs from Excel based (they were originally worked in an Excel spreadsheet created via macros) into Web-based software that automated the waterfall.
• Opened and tracked then tested all defects found after all projects went live-any defects that caused a temporary hiccup in our process, monitored the loans, aging of each loan, the bucket (how many) and was the one to confirm that the code utilized to correct the original defect was working as it was originally written in the BRD
• Managed process changes and oversaw multiple project functions as a systems analyst (MetLife Conversion, REG X Phase I, REG X Phase II, DW projects).
• Identified potential risks with all current and new process functions and looked for efficient ways to eliminate unnecessary risks and helped to create a more efficient and productive environment for the dept.
• Created and maintained all UAT Regression Test Scripts for Agent Desktop and Default Workflow while tracking and suggesting corrects for defects.
• Responsible for drafting Business Requirement Documents (BRDs) for updates to the respective systems or control reporting.
• Responsible for maintaining operating instructions and procedures for multiple functions to ensure compliance with regulatory requirement and internal policies.
• Responsible for reporting, supporting, and tracking all production defects until resolved for Agent Desktop and Default Workflow.
• Analyzed complex financial information including calculation of income and debt ratios, verification of assets, collateral review, and credit review.
• Analyzed difficult or challenging problems and identifies potential innovative solutions, which are most favorable to the customer and investor.
• Applied technically and computer expertise.
• Effectively applied strong verbal and written communication skills with internal employees and external customers/business partners to foster relationships.

Confidential

Loss Mitigation Closing Dept Manager

Responsibilities:

• Managed team of 13 agents and provided one on one coaching on a monthly basis to ensure quality control.
• Developed and demonstrated lasting partnerships with the business within Underwriting, CAS, System Maintenance, Doc QC, Doc Ops, Doc Data, etc.
• Managed and implemented FHA/VA into the Closing Dept (Helped create procedures, held business meetings with multiple LOB’s to ensure compliance was met.
• Received the Closing Supervisor of the Quarter Award for 2012 1st Quarter.

Confidential

Loss Mitigation Underwriting & Closing QA

Responsibilities:

• Completed quality assurance reviews on 100% of all trials approved by underwriting.
• Both Default and Imminent Default.
• Efficient in reviewing multiple income types such as Social Security, Profit and Loss, Pay Checks (Weekly, Biweekly, Monthly, YTD).
• Efficient in calculating Gross and Net Income per Investor Guidelines.
• Partnered with outside investors to review mod terms and ensure were within acceptable perimeters.
• Selected to assist with 2011 FNMA Income Review in Jacksonville with Jack Rubin.
• Selected to travel to Philippines to assist with training new hires.
• Exceeded 95% Dept. Quality goals with a 99.8% rate.
• Promoted to supervisor for closing dept.in October 2011.