TECHNICAL QUALIFICATIONS

Bachelor's Degree in Business and Management, Completed Information Technology Foundation from George Mason University

• 5 years of professional IT experience in Financial/ banking and Government contracting Conventional, FHA, VA Fannie Mae Loans, Contract Compliance ,Forensic Underwriting Compliance, Settlement, Processing, QC, Underwriting, Servicing, Pre /Post closing
• Default Asset experience with Freddie Mac, Bank of America Promontory Financial Group and ICF International Modifications, Foreclosure Short Sales
• Proficient in data research and analysis, contract compliance and Working knowledge of network, system, programming, database and application level security
• Knowledge of business intelligence, dashboard and/or visualization tools Tableau, PowerPivot, Business Objects and SAP
• Tableau report and dashboard design/visualization, creation, and optimization to support IT / Business/ BI operations
• Gather business requirements and translate them into reporting needs including documenting using current Client templates
• Excellent in Advance Excel, VBA, spreadsheet modeling, pivot tables, Lookups, ETL and manipulating large Data sets
• Hands on SQL experience in
• Lending Underwriting Guidelines, Credit Income Analysis
• Loan Review and Due Diligence Underwriting, Loan Document Analysis
• Compliance and Legal Documents Review
• Cash Flow Analysis Risk Assessment Loan to Value Ratios Debt to Income Ratios
• Conventional Government Mortgages, Conforming Nonconforming Loans ARMs
• Funding, Documentation and Account Service Excellence
• Knowledge of PeopleSoft Financials and Cognos Planning, WP 2, SAS, DB2, ODS, PE,ACER, MIDAS, Report Works, Blitz Doc, SAP,DOORS Clear Quest, SalesForce

PROFESSIONAL EXPERIENCE

CONFIDENTIAL

Role: Contract Consultant Data Analyst

• Responsible for performing compliance audit/review of existing mortgage loans that are managed by originating and/or servicing institutions.
• Review loan documentation to insure they are compliant with the institutions, investors, insurers, government agencies and applicable lending guidelines to determine compliance, loan risk and accessing the quality of the loans.
• Analyzing the entire loan documentation file including initial loan application, modification and/or workout documents, payment credit history, required closing documents HMDA,RESPA, GFE, TIL, HUD 1, Title Policy, etc. and borrower and institution correspondence.
• Responsible for complete review and evaluation of client financial institution mortgage loans to ensure they are compliant with all state and federal HMDA lending regulations
• Performing data analysis / accessing data from multiple sources
• Creating business role spreadsheets / mapping documents
• Participating in data integration and information management program and projects
• Creating and maintaining data artifacts, data dictionaries, and models
• Review loan level system data, as well as file documentation, to ensure compliance with governmental and investor guidelines.
• Assisting Process Improvement team with establishing remediation plans or addressing training needs, as required.
• Identifying trends based on aggregated data.
• Compile data for each loan reviewed and corrective action needed based on criteria established by clients, government programs and/or management

CONFIDENTIAL

• Founder and CEO of startup America Export International
• Engaged in Export /Import activities and online web store management
• Preforming web analytics, data extraction, data analysis using Python, SQL and Tableau software for visualization.
• Assisting small business with Business intelligence and Advance Excel Training for analyzing store data and gain insights.
• Database creation and management for small business using MySQL

CONFIDENTIAL

Role: Business Analyst/Data Analyst Project: Streamlining Data Warehouse Processes

• CONFIDENTIAL Office of Information and Technology Product Development, Program Planning and Oversight team with preparing fiscal life cycle documentation, especially Office of Management Budget OMB /E300.These includes defining requirements and reporting specifications and providing technical assistance on life cycle funding documents LCFRs , Congressional Budget Justifications CBJ , and Exhibit 300 Preparation and Submission.
• Developed Data Warehouse roadmap, strategy and architecture for enterprise data warehouse.
• Responsible for processing document that details the steps for preparing and maintaining Master Change Request CR Template and Artifacts that support the creation of the MYP Artifact for Budget Monitoring.
• Responsible for maintaining the Master Data and automating data collection to support the use of authoritative data sources and the reuse of data collection for 350 projects. Update the CR Form multi year templates to ensure that the multi year budget formulation documents are maintained.
• Responsible for maintaining Financial Tracker and templates/artifacts for the collection of financial information for the purposes of multi year budget programming and planning MYPG .
• Prepared Data Flow diagrams, identify major streams like Data Conversion, Historical, Data Retention Archival, Data Quality, Reconciliation
• Assisted in collecting and submitting information to be used by the Programming and Long Term Investment Board to prioritize IT requests in order to prepare annual IT Budget request.
• Conducted reviews to show historical information, current trends and forecasting based on the information submitted by project or program managers
• Consolidated Change Requests to Master Repository , conducted analysis to ensure consistency , reasonableness and prepared various artifacts for the annual submission of IT financial requirements
• Enters Non VA Care operation budgetary data into a variety of forms, schedules and reports. Compiles and help with presentation materials for the Non VA Care operation budget.
• Receives and Interprets Calls for Budget, prepares annual budget formulation documents in final form and ensures that all reconciliations are made as to workload data, accuracy, distribution of programs.
• Responsible for mapping and migrating all current data Budget Submission to intranet SharePoint onlinesites and maintaining a consolidated inventory of data to be used for future analysis.
• Develop Tableau reports for various business metrics requirements, worked on Requirements definition and analysis
• Reviews historical financial operating data and trends to prepare and/or validate estimates and post on SharePoint to enable team access and collaboration.
• Provided support to Business and Data Analyst s in gathering and/or clarifying data and reporting requirements from business owners
• Developed dashboards/reports in accordance with client requirements using Tableau
• Identified and troubleshoot business process or data quality issues that show up in the reports and subsequently communicate to resolve and eliminate problems
• Used Microsoft Office Tools particularly Excel Writing Macros, Pivot Tables, functions, formulas to test, log and resolve data accuracy and completeness issues.
• Prepares Business Intelligence Dashboards using Tableau, Power Pivot, provide report analysis, making recommendations for remedial action where necessary.
• Developed work breakdown structures, prepared charts, tables, graphs and diagrams to assist in analyzing problems.
• Prepared Reports Forecasting Financial Trends by Investments and Projects and IT Programming Categories. Created and/or enhanced report objects, metrics, filters, and prompts as needed.
• Develop complex SQL queries for tools and support ad hoc requests for data

CONFIDENTIAL

Business Analyst/ Data Analyst

• Provided a detailed forensic analysis of CONFIDENTIAL mortgage Loans to ensure findings are compliant with Office the Comptroller of the Currency and Federal Reserve Board consent on Independent Foreclosure Review requirements. Also supported the Enterprise Data Analytics Group project portfolio, functioning as a liaison among stakeholders to elicit, analyze, validate data and document requirements for changes to business Data processes, policies and information systems.
• Responsible for assessing, documenting, monitoring and reporting on compliance client portfolio monitoring activities, ongoing testing and related controls.
• Reviewed closed loan files to ensure proper and accurate documentation and creating reports for senior management
• Ensured any and all post closing loan conditions are met and documented accordingly and third party service providers complied with reviews on document submission.
• Prepare and distribute weekly and monthly summary highlights to report results and corrective actions
• Used multiple systems, platforms, applications, and data repositories in various data environment to access and perform compliance audit
• Responsible for auditing closed loan files, analyzing and reporting on significant loan quality trends and initiating necessary action to improve efficiency, document accuracy and compliance as it relates to Office of Currency Controller's guidelines on audited banks
• Reviewed the frequency that fees were assessed to any delinquent borrower's account including broker price opinions was excessive under the terms of the borrower's loan documents, and applicable state and federal law.
• Responsible for thoroughly analyzing all aspects of Residential Mortgage, Foreclosure and Bankruptcy documents nationally.
• Audited pending foreclosure and closed loan files, analyze and report significant loan quality trends and initiate necessary action to improve efficiency, document accuracy and compliance.
• Analyzed defaulted loan servicing policies and processes to improve internal testing, isolate root cause, and suggest viable solutions to mitigate issues.
• Assisted in the development of business cases and management presentations to represent operational impact to the organization.
• Reviewed and decipher civil code as it relates to state specific Residential Lending practices.
• Provide a detailed forensic analysis of Conventional, VA and FHA loans to ensure findings are compliant with OCC practices.
• Assisted in writing test plans and managed system testing efforts for both System Integration Testing and User Acceptance Testing.
• Worked with subject matter experts and technologists throughout the project lifecycle to produce relevant artifacts process flow charts, user requirements, user guides, release notes
• Created database queries SQL, Excel formulas, Excel Macros to extract data for analysis, trending and testing from databases
• Analyzed data documentation and researched/queried complex database content to validate data and map data to the business requirements.
• Assisted in analysis, design, development, debugging, and modification of Tableau reports and SQL queries for business intelligent reporting.
• Created and executed approved test plans, analyzed and reported results.
• Utilize various scripts/web technologies to complete assigned tasks.
• Assisted in design, development, implementation of Business Intelligence solutions using Tableau, prepared charts, tables, graphs using Excel and other BI tool technologies.

CONFIDENTIAL

Role: Business Analyst / Data Analyst

• Provide supports to more than 2300 large and small full service regional mortgage lenders on portfolio of loans in default, imminent default loans with a focus on loan modifications, document validation, Net Present Value model running, completing second mortgage modifications, executing short sale/ DIL or answering technical foreclosure questions.
• Created Repository and User groups ,and Performed basic analysis and daily reporting functions to support the processing of loans under Making Home Affordable MHA program
• Used Rational DOORS for Requirements gathering and Business Analysis and analyzed the functional specs provided by the data architect and created technical specs documents for all the data mappings.
• Managed Extraction, Transformation and Loading ETL process by pulling large volume of data from various data sources submitted by Servicers.
• Extensively used TOAD for generating SQL, PL/SQL stored procedures, Packages, Triggers, Clusters, Synonyms, Indexes, Views, Materialized Views
• Used Toad for Unit testing before transferring data from OLTP to data warehouse, data is transformed at the staging area.
• Created database queries SQL, Excel formulas to extract data for analysis, trending and testing from databases
• Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting FHA, VA and Fannie Mae loans
• Maintains data specific artifacts, including but not limited to the data specific requirements template and the various models to manage data visualization and dashboards.
• Interfaced with Servicers and data providers to ensure data is submitted in the correct format under Uniform Appraisal Dataset, ULDD and MISMO reference models /versions.
• Reviewed, validated, and developed financial cash flow for non performing loans
• Actively participate in identifying processes to be refined through analysis and the application of technologies.
• Perform financial risk management advisory and audit relating to settled foreclosures, modifications, retention and REO.
• Manage mortgage file set up, data validation, batch folder creation and upload of submitted servicer's loan
• Review and Manage all emails incoming from shared team mailbox, acting on emails as appropriate
• Adjust system records to reflect results of changes made to accounts at loan level
• Assist special Teams on compliance testing related to new technology, software and back test servicers platforms to confirm with Freddie Mac
• Origination of daily work reports and creation of Transmittal folders
• Engage in pipeline management through review and assessment of servicer reporting
• Balanced the need for loan volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability
• Demonstrated excellent follow through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.

CONFIDENTIAL

• Marketing and sales of products to clients both within USA and abroad.
• Communicate with vendors, freight forwarders, customs brokers and transportation carriers to ensure efficient movement of goods across borders.
• Researching proper product classification and Harmonized Tariff Schedules HTS for CBP and third party country entry processing and duty assignment.
• Creates, distributes and works with SOP's related to international documentation and shipment preparation.
• Preparation of all documents required for import/export activity.
• Makes certain that all marking and packaging requirements are fully met and comply with the country of origin and destination country requirements as well as industry standards.
• Tracks and traces all shipments in transit and manages any exceptions or delays.
• Responsible for researching, locating and responding with required information or documentation that may be requested by CBP, FDA or the Freight Forwarder Broker to process the shipment all the way through to destination.
• Collects and compiles carrier reports, detailing activity by carrier, by product and by origin / destination lanes.
• Compile procedures and policies for company
• Ensure filing of import and export declarations are made in accordance to Federal Regulations
• Export transaction screening and escalation as necessary
• Work with customs brokers and freight forwarders to ensure accuracy of import and export transactions
• Export license determination and application processes with the Bureau of Industry and Security BIS

CONFIDENTIAL

Project Consultant Data Researcher Analyst

• Responsible for performing integrated audits subject to provisions of section 404 SOX Act .
• Audited complex systems in which audit teams rely on automated application controls, automated accounting procedures, system generated data and reports used in key manual controls or in generation of journal entries.
• Advised on the development of internal audit and risk management methodologies, including assessing whether the internal audit function was delivering effectively to stakeholders.
• Tests key financial and IT General application controls in support of company's Sarbanes Oxley compliance efforts
• Participated in the development, execution and completion of IT risk assessment and audit plan.
• Performed IT General Controls reviews in 4 main domains: Access to Data and Programs/ Security management, Program Changes, Program Development and Computer Operations.
• Participated in the execution of the information technology audit process including definition of audit scope, control evaluation, test activities, audit reporting, issue resolution, and risk assessment for assigned audit objectives.
• Performed s application controls review in various ERP environments .
• Participated in SDLC review audits with colleagues, participated in pre implementation system issues and projects.
• Prepared and maintained SOX audit working papers and testing results.
• Executed security audits in various computing environments. Reviewed external and Internal Network Security Audit Reports.
• Indentified information technology internal control structures and strategies through appropriate forms of investigation and consultation.
• Conducted entrance and exit meetings with the auditors.
• Prepared formal presentations and audit reports programs

CONFIDENTIAL

Business Analyst Agency Today's Office Professional

• Responsible for program delivery in presidentially declared disaster zones affected by Hurricanes Road Home Disaster Program Katrina and Rita Gulf Coast
• Collecting, recording and analyzing disaster registration information from individuals, families, and businesses affected by Declared Hurricane Disaster zones overseeing implementation of area projects/program to ensure funds objectives benefit affected victims through liaison with support services of field officers
• Assisting in the validation of initial grants application, audit files and disbursement amounts
• Issues additional funds disaster victims in compliance with Government Contract specification
• Coordinating and implementing the review of grant applications with assigned Teams as SME Subject Matter Expert on Insurance issues
• Coordinating post review activities including the preparation of review summaries
• Ensure that all underwriting and pre closing documents meet policy requirements specifically to benefit disaster victims
• Review and approval of Grant Appeals applications
• Writing proposal, analyzing program data, and prepares program status reports for review and current status on specific programs
• connect and pull data from all sources in a dynamic and flexible way to report on them with real time refresh capability
• Create/maintain excel pivot table reports, charts, graphs, dashboards, scorecards of settlement analysis to maximize the Fund's recovery.
• Creating, reviewing and reconciliations of individual client's application and Funds disbursement
• Monitor and review the progress of program implementation to assure that responsibilities are carried out according to established policies and procedures. Assists in the analysis of the efficiency and effectiveness of program delivery methods and implements quality control procedures.
• Carrying out additional responsibilities and projects as assigned
• Review preliminary and/or final certificates pre and post closing documents for accuracy
• Review documentation for correctness and completeness performing necessary tasks to acquire required documentation and information.
• Determine eligibility, loan processing, grant allocation and exceptions to be included on commitment and/or policy
• Examining title, insurance documents validity, Ownership and occupancy to real property and communicate file status with clients, closing offices, applicants for required information
• Type and prepare commitment, endorsements reflecting changes/corrections to commitment and/or policy.
• Type and prepare Closing Protection Letters, HUD, authorization letters, notices and other documents that may be required for settlement or to accompany the title awards/grants.
• Serving as a resource for applicants and their clients with Title and Insurance companies and inform of file status
• Assists in the analysis of the efficiency and effectiveness of program delivery methods and implements quality control procedures.
• Make recommendations for change or enhancement of program performance by identifying management or procedural deficiencies and written proposals for correction of identified problems by policies, procedures, or regulation.
• Perform administrative and customer service functions as necessary.

CONFIDENTIAL

Grant Compliance Analyst

• Provide administrative support for the management of Road Home Disaster Program, its subsidiaries and other institutions involved in the Disaster Recovery Program
• Receive application documents and filing of paperwork from affected clients
• Review preliminary and/or final certificates pre and post closing documents for accuracy
• Review documentation for correctness and completeness performing necessary tasks to acquire required documentation and information.
• Analyze all loan documents to meet business qualification for approval of a rebuilding loan. Accept and return calls from customers within one hour of receipt.
• Verify that Processed FHA, VA, Jumbo, Refis, Subprime, HELOC, Conv., Conf/Non Conforming loans documents are authentic
• Completed conditions and prepared underwriter packages, DU/LP submissions.
• Confirm that borrower has sufficient damage to close the loan/grant as well as retain adequate cash reserves.
• Review grant/loan applications 1003, credit reports, income docs, appraisals, title work, bank statements, HUD 1 closing statements.
• Communicate the outcome decision of the loan to mortgage brokers, loan sales rep, and/or retail customers directly
• Performed manual underwriting calculating debt ratios, FNMA, desk top underwriting as well as desktop originator.
• Determine eligibility, grant allocation and exceptions to be included on commitment and/or policy
• Examining title, insurance documents validity, Ownership and occupancy to real property and communicate file status with clients, closing offices, applicants for required information
• Type and prepare commitment, endorsements reflecting changes/corrections to commitment and/or policy.
• Type and prepare Closing Protection Letters, HUD, authorization letters, notices and other documents that may be required for settlement or to accompany the title awards/grants.
• Serving as a resource for applicants and their clients with Title and Insurance companies and inform of file status
• Assists in the analysis of the efficiency and effectiveness of program delivery methods and implements quality control procedures.
• Pulling and consolidating large datasets from different sources, fields for analysis and reporting purposes
• Supporting data cleanup and data upload activities
• Presentation and Publishing daily, weekly, and monthly progress reports in form of Power Point's, charts and graphs
• Make recommendations for change or enhancement of program performance by identifying management or procedural deficiencies and written proposals for correction of identified problems by policies, procedures, or regulation.

CONFIDENTIAL

QC Inspector

• Responsible for inspection of semiconductor products, laminate chip carriers, panels and assemblies.
• Perform visual and mechanical inspection of supplier parts to QIP. Work with other departments to ensure quality of manufactured products.
• Troubleshooting and problem unlayering to the component level using data supplied by the tester in addition to bench test equipment.
• Enter observed data and run reports by use of SAP software

CONFIDENTIAL

Underwriter

• Performed loan underwriting on Conform and Non Conforming Loan Alt A and Subprime experience
• Ability to multitask workload in a fast pace environment.
• Provide informational support and mentoring to processors and closers concerning program guidelines and procedures.
• Home Equity HELOC/HELOAN delegated underwriting
• Recognized as a resource person, problem solver, trouble shooter.
• Wholesale and Retail assignments
• Processed First and 2nd mortgages
• Underwrote to investor's programs: SISA, SIVA, NO DOC, NO RATIO and FULL DOC.
• Examined loan file documentation to determine the acceptability of applicant's credit history.
• Confirmed that borrower has sufficient assets to close the loan as well as make recurring mortgage payments
• Evaluated appraisals to determine if value of property is justified by assessing comparable properties
• Reviewed preliminary Title Report and maintained underwriting turn around time.
• Assisted other departments with underwriting questions / procedures
• Responded to Quality Control audit findings and suspense corrections program violations in a timely manner
• Supervised team of 2 Subprime Underwriters
• Performed claims management / credit control for Life and Health Department
• Worked with enterprise account management teams and co insurers to maximize business opportunities with large corporations
• Advised and mentored Credit Risk Managers and Underwriting Consultants