Consumer Lending Practice Business Analyst Resume Santa Clara, CA - Hire IT People

SUMMARY

An innovative, highly motivated mortgage services professional specializing in business and data analytics with a passion for success, team building, and forging long lasting customer and colleague relationships.
A high caliber leader and a team player with a resourceful and results - oriented mind set, an eye for detail and self-improvement.

PROFESSIONAL EXPERIENCE

Consumer Lending Practice Business Analyst

Confidential, Santa Clara, CA

Responsibilities:

Liaison between business stakeholders and product development team for mortgage related integration partners and vendors assuring that project delivery targets are met with the needs of the mortgage companies work scope needs, budget and efficiency goals are achieved without disruption to business flow. To include Identifying and analyzing the risks associated with achieving the milestones for a project. All while developing risk mitigation strategies, implementing business requirements and deriving acceptance criteria for user stories.
Business transformation analyst and product support consultant for MGIC’s risk assessment transformation program in which key business transformation initiatives were implemented to include underwriting, document & data management, decision engine rules & risk modeling, business loan data vault storage and customer engagement.
Mortgage compliance documentation analyst partnering with Docutech to review and deliver electronic versions of all state and federal disclosure packages in accordance with federal and state mortgage lending laws and regulations. To include HMDA, TILA-RESPA, QM, HOEPA and servicing rules compliance documentation. Detailed mapping and data cleansing for accuracy and compliance.

Structured Transactions Analyst

Confidential, Emeryville, CA

Responsibilities:

Worked closely with cross-functional teams to include Executive, Risk, Pricing, IT, Finance, Audit and Corporate Analytics. Processed all daily/ monthly servicing transactions related to portfolio management for reconciliation, billing, payments, loss mitigation activities, default reporting, claim settlements, repurchases, stress testing, performance modeling along with breach of contract recourse. In addition, conducted audit/re-underwrite of an annual quota (2%) of the total portfolio population (350 avg. per yr.).
Lastly, implemented efficient reporting process to reduce capital reserve requirement holdings over $6.75M from 2016-2018 all while conducting numerous ad-hoc projects requested regularly by executive committee and governing regulators.
Performed reinsurance project implementation and reinsurance analytics. Provided data sets and reporting packages of various corporate metrics by extracting / analyzing data from large databases in order to optimize high-level business decisions for our executive team.

QC Repurchase Auditor | Risk Analyst

Confidential, San Francisco, CA

Responsibilities:

Performed comprehensive analysis to develop standards of legal negotiations for financial products for Countrywide Mortgages $2B (est.) impaired legacy asset portfolio while proffering advice and recommendations with in-house strategy group and outside legal counsel in preparation of litigation, mediation, and arbitration with vested insurance organizations, investors and governing bodies.
Conducted forensic investigations and detailed risk analysis to determine if policies had been violated or fraud had been discovered along with complete post close re-underwrite of a pool of over 88k mortgage loans earmarked for investigation during 2008 financial crisis.
Provided detailed analysis to determine compliance with agreed upon insurance policies, standards, claim settlement procedures and investor (GSE) servicing guidelines along with insurance company master policy violations.