Hemanthkumar Jambulingam

Cell # 408-***-****

Location – Sunnyvale (CA)

E Mail: acprqd@r.postjobfree.com

Professional Summary:

Managing US based leading Financial Services clients Requirements Management and Business

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Analysis group. Overseeing $2.5 M operation and provided strong fiscal leadership in managing budget,

resources, cost and risk.

Lead Business System Analysts with extensive experience in evaluating business needs, leading new

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technology solutions, integrating vendor products, vendor product evaluation, Cost Benefit Analysis

and implementing complex strategic transformational business initiatives using innovative business

analysis techniques and technology.

Over 12 + yrs of experience out of which last 8 + yrs as Lead Business Analyst in Banking Diversified

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Lending, Core banking and Financial Systems inclusive in the areas of Business Requirements,

Requirement Analysis, Report Management, Interface specification, System Specification, Gap

Analysis, Impact Analysis, Consulting, Solution Deliver, Project Management, Design, Logical Data

Modeling, Testing (QA/SIT, UAT), Implementation, Process Definition, Operations and Process

Management

Extensive exposure in various banking verticals Commercial Banking, Retail Banking, Core Banking,

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Diversified Lending, Wealth Management, CRM, General Ledger & Accounting, PCI Credit & Debit Card,

Model Analysis & Risk Scorecard and Integrating of cross technology applications for major banking

clients.

Business Analyst with In depth knowledge of SDLC (System Development Life Cycle) with all phases of

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Waterfall, Agile and Iterative methodology.

Experience in designing/developing complete Origination and Servicing Lending applications (Retail and

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Commercial banking) proto type and modeling using iRise and Snagit (Modeling tool)

Worked on high visibility/critical impact projects on Mortgage/Residential Lending, Online Banking, Credit

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Initiation and Core banking projects

Strong exposure integration Core Banking application into Enterprise Data Warehouse, ETL Analysis,

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Master Data Management and Market Analysis and Reporting for Commercial and Retail Banking clients.

Prior exposure on implementing Sales & Marketing lifecycle management tool (CRM 3, CRM 5 and Sales

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force)

Strong experience in preparing Use Case Specifications, Functional Specifications and well acquainted with

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Workflows and Use case modeling.

Actively used Joint Requirement Planning (JRP) and Joint Application Development (JAD) sessions for

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requirements gathering and brainstorming ideas.

Have prior experience on MDM (Meta Data Management) initiatives on the functional and technical attribute

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maintenance for the data elements.

Experienced in Requirements management, Change request management/Change Control Board and defining

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RTM (Requirement Traceability Matrix).

Excellent communication, analytical thinking and interpersonal skills, capable of communicating with highly

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technical and engineering teams.

Ability to work independently and manage business expectations with a delivery focused approach to work; ability

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to build and maintain strong working relationships with business sponsors, as well IT Delivery.

Thorough knowledge of Middle ware integration, Web Services, Data mapping and Data modeling concepts

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including Dimensional Modeling, Star and Snowflake Schema, Data Marts.

Handled Requirement Review Board and structured the process and governance for the requirements peer review

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Exposure on effectively handled Onshore, Right shore and offshore model.

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Complete exposure on preparing and defining Business Case, Cost Benefit Analysis, Return on Investment,

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Project Charter, Project Plan, Change Request, business proposal and RFP.

Complete knowledge of Mortgage life cycle – Primary market, Secondary market, Mortgage Backed Securities

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Core Strengths:

Project Design, Scope and Management Process & performance management and improvement

Budget and Cost control Strategic & Tactical Planning

Risk and Conflict management Establishing Priorities and Schedules

Negotiation and Trade off skills Dynamic Team Building and Leadership

Employee Training and Mentoring

TECHNICAL SKILLS:

Project Methodologies Water Fall, Agile and Iterative

UML Modeling Tools Microsoft Visio, iRise, SnagIt, TIBCO iProcess

Project & Requirement

Microsoft Project, Traceability Matrix.

Management Tools

RDBMS MS SQL Server, MySQL, Oracle, MS Access

Languages C, C++, Java 2.0, Visual Basics 6.0, .NET, SQL and PL/SQL

Operating Systems Windows 2007, XP, NT, 2003, 2000, 98, 95, MS DOS

Defect Management Tools Mercury Quality Center 10.0

Documentation Tools MS Office, MS Visio Pro

Reporting Tools Business Objects, Crystal Reports

Concepts Programming, Data warehousing, Business Intelligence.

Project Management MS Project

Business System Analysts Exposure:

Client : Comerica Bank Oct 2014 – Till date

Project : Dealer Floor Plan Implementation

Role : Lead Business Analyst

Project Description:

Comerica commercial credit lending space – National Dealers Association supports and tracks Dealer Floor Plan. Currently

the bank use Data scan’s 3X application for account maintenance and transaction processing. The scope of this project is

to implement the current version of Data scan product – DFP 4X in order to utilize the advance technical capabilities and

provide excellent support to bank’s customers in account management life cycle.

WMS 4X (Workflow Management System) is integrated with complete modules of Dealer Portfolio Management (Account

Maintenance, Dealer Audit, Loan life cycle, Curtailments, ) also the application is completely configured with BPM and

workflow management. Application is integrated with Business Objects WEBI tool for Dashboard and Reporting needs.

Client : PNC Bank Feb 2013 – July2014

Project : CapitalStream Loan Origination System Integration

Role : Senior Business Analyst

Project Description:

PNC bank complete Credit Services channel implemented with Line data’s CapitalStream lending product.

CapitalStream is a web based Loan Origination system for commercial banking products, which handle the end to end

business solution from Loan initiation till Disbursement and Funding.

Client : Silicon Valley Bank (SVB) May 2010 – Feb 2013

Project : Miser Integration with Data Warehouse

Role : Senior Business Analyst

Project Description:

FIS MISER is the Real time Core Banking system (SaaS) for SVB Private Banking group. Private Banking group use

Miser for the following banking operations:

- On boarding Clients and Maintenance

- Product creation and Maintenance

- Product Booking and Account Maintenance

- General Ledger Posting

The scope of the project is to integrate Miser with SVB Data Warehouse and feed Private bank data to multiple downstream

systems (15 Downstream Application)

Documenting and analyzing the complete Miser Business requirements across all products (Loans and Deposits) for Data

Warehouse Integration also collecting the complete business data requirements for all the downstream applications.

Project : Microsoft CRM 2011 (Client Relationship Management)

Role : Business Analyst

Project Description:

CRM is web based system which handles the end to end Client interactions and maintenance (Starting from creating

Prospect till Client maintenance. CRM will be the prime source system for handling all Client related transactions.

CRM will Interface with multiple source systems (UBS, Remedy, Microsoft SharePoint, Outlook, Mobility Apps) of the

Silicon Valley Bank, for some of the systems CRM will feed the data and for some it will fetch the data (Upstream and

Downstream).

CRM has various Modules which handle the creations of Accounts, Contact Details, Opportunities – Product Types,

Relationships, Activities, Demographics details, Communications.

Project : Investment Banking (Client Investment/ Wealth Management)

Role : Business Analyst

Project Description:

SAM Investments (Securities Lending, Certificate of Deposits, Forex –Cash):

The scope of the project is to replace SAM Advent (system of record) with SAM Recon database to standardize the data

source for accounts (client records), revenue and send daily data to the SVB downstream applications. Ability to generate

actual revenue for the reconciled balances and to push the data to the downstream applications.

Repurchase Agreement Sweep Overnight (REPO) Investment:

Silicon Valley Bank’s Overnight Sweep Reverse Repurchase Agreement Program allows clients to enter into secured

overnight investments. A repurchase agreement (REPO) is a loan from the investor to the financial institution with the

financial institution providing securities to collateralize the loan. At maturity, principal and interest will be credited to the

investor upon the return of the securities used to collateralize the loan.

The scope of the project is enhancing the existing Sweep Repo applications to add a new broker to the Sweep Repo

process. As part of this, project additional placeholders where created/identified to additional brokers to the Sweep Repo

process for Trading.

Project : Mortgage Cadence (Loan Origination system for Residential Mortgage – SaaS)

Role : Business Analyst

Project Description:

Mortgage Cadence is the web based (SaaS) application which handles U.S. Residential Mortgage. SVB Private banking

group use cadence for loan origination, underwriting and funding.

Client : CIT Inc Nov 2009 – April 2010

Project : Trend Card Reports – Data Warehousing

Role : Business Analyst

Automation of the existing Trend card Canned report and creation of new BO Universe for Ad hoc reporting. Trend Card

reports are generated to monitor the client’s financial performance. It helps the portfolio managers and credit risk analysts

to mitigate risk by enabling them to quickly react to increased exposure.

Total of 198 data elements will be available in the Trend card report, all these elements needs to be feed into CDW from the

respective Receivable systems for reporting.

Business Objects – BOXI was used as reporting tool to generate the Trend card report and Ad hoc analysis reporting.

Commercial Lending Origination system:

Internal Project:

Commercial Lending Origination system will handle from Loan origination process till approval. Post approval process, the

loan will be handed off to the respective core banking systems.

During the approval process, Commercial Lending Origination system will interface with various sub systems for the

business process and there will be variations in the process flow based on the different origination channel.

Commercial Lending Origination system support the following flavors in lending, “Assets based lending, Cash flow based

lending – unsecured loan”, Loan Syndication

Client : Citi Technology (ITO) Sep 2007 – Oct 2009

Role : Business Analyst

Project : Citiplanner (in house project)

Project Description

A sales initiative Online banking tool for the Citibank customer were in when the customer will capture the need for credit

products. The system will capture minimum details and run the CDE to display the products, which can be offered, and the

current sales promotions.

Project : Netherlands Cards (Orange)

Role : Business Analyst

Project Description:

Orange is an Unsecured Online credit initiation system, which handles the credit card processing. The system supports

end to end process from Data Capture to generating the Account Number. Once the Account is created, the system will

hand off the application to the respective product processor (ECS+) for servicing the account.

Project : IMS (International Mortgage System) Malaysia

Role : Business Analyst and Implementation Support

Project Description:

IMS is a Secured Loan Credit Initiation system, which handles end to end processing from loan origination to disbursement.

The system support the residential mortgage and commercial mortgage processing. IMS will replace (Sun set) the existing

system “LAMS”. IMS carters various mortgage modules which are required for the mortgage initiation process. Once the

loan has been disbursed, IMS will handoff the account to the respective product processor (ALS, Impacs) for servicing the

account

The system handles the mentioned modules/functions for Individual and Corporate customers

Maintenance / House keeping

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Pricing rates: Tier rates and Tier structure (Single / Multi tier handling) and mapping the pricing structure to

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specific product tables.

Data Entry and Data Verification Modules, Customer Profiling, Underwriting and Approval Modules

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Handoff to various Product processor and DWH

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Open span integration from Mainframe (Cardpac Host– Mainframe) to CI

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Project : AP Cluster – CI (Credit Initiation System) for Thailand, Malaysia, Singapore, Guam, Philippines and

Indonesia

Role : Business Analyst and Implementation Support

Project Description:

CI (Credit Initiation) is a web based system with Online banking interface for Secured and Unsecured products, which will

handle the end to end business process from initiation till Disbursement and Account Opening. This project has two

implementation for all the above mentioned countries.

Jan 2007 – Sep 2007

Project : FISERV COP (Common Origination Platform)

Role : Business Analyst

Project Description:

COP is a Online Loan origination System. COP will support end to end mortgage processing and carters the complete

functionality for the Mortgage Origination as in such (Loan origination, Pre Qual, U/W and n Closing).

Business System Analysts Profile Summary:

Analyzing the Biz requirements, impact analysis and gap analysis, conducting meetings with the respective

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stakeholders to complete the requirement gathering and analysis.

Preparing the Business Requirement Documents (BRD) and Use case documents / Functional specification with

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conceptual data flow and Upstream/Downstream system data flow diagrams.

Preparing the Traceability matrix for the Business requirement and track the requirements till UAT test case.

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Analyzing the data structure and preparing the Data attribute mapping documents for downstream applications.

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Create Concept Design document (current and future state business flows)

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Defining Data Migration and Data Conversion plan (type of data which need to be migrated – current state to

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future state).

Co ordinate Development team and the Testing team on the Requirement and addressing all the Functional

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queries.

Coordinating with the Project management Teams, Business Sponsor, Development team and Business owners

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on the tracking the effort and project timelines.

Preparing documents for the change request process from the Business team and analyzing the timelines and

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effort for the change in requirement with the development team and project management team.

Contribute on Design review and Data Modeling activities along with the Development team and ensuring that the

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business requirements and functionality are covered in the design.

Analyze system impact to the Data Warehouse (DWH) and all other downstream application with the respective

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system owners.

Coordinating with the System Integration Testing team (SIT) for preparing the test cases and assisting them

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during the SIT Phase for the functional queries and clarifications.

Handle defect management process, created defect tracking reports and metrics system testing

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Perform the Sanity testing for the UAT Environment.

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Identify and create test scenario and test case for User Acceptance Testing (UAT) and assist them during the UAT

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Phase.

Post Implementation, support business user for the queries and clarification during the post production.

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Vendor Product Evaluation Exposure:

Client : John Deere Financial Aug 2014 – Oct 2014

Project : Common Credit Decision System Assessment

Role : Senior Business Analyst

Project Description:

Assist and drive the RFI assessment on final recommendation for a Front End Common Credit Delivery System (CCDS) for

John Deere Financial’ s international retail lending and leasing operations.

Job Summary:

Assist and create internal project charter for the assessment phase.

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Creating and defining RFI vendor questionnaire document to validate the solution capabilities (Functional,

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Technical and Implementation).

Define and develop vendor demonstration scripts and vendor evaluation criteria

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Document the implementation road map describing the objective and approach to be used by JDF in

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implementing solution to multiple countries

Evaluated vendor product capabilities – Functional and Technical

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Provide strategic guideline and create Governance model for the multi country implementation roll out.

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Assist and participate in vendor functional and technical demo

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Conduct and document internal and external vendor due diligence report

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Create and define vendor evaluation scorecard and model risk analysis for final vendor product selection

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Create and document the final vendor selection report with recommended solution and business case

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Assist with the creation of reports summarizing the evaluation activities

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Project/Program Manager Exposure

Project : Peer Group Analysis (PGA) Deski Installation July 2012 to Jan 2013

Role : Project Manager

Project Description:

SVB Wine group user requires the biz data to be generated using Deski offline reports. The Wine group data needs to be

refreshed and downloaded from the PGA DB into the user local SQL client server. Once the data in available in the local

DB, the user can generate the Deski reports in offline.

Job Summary:

• Coordinated with the development team to develop the web interface to download the PGA data from DB server.

• Work along with the Application support team to create the soft grid package which will include the procedures to

install the Local SQL Client server DB and Deski application for offline reporting.

• Involved QA team to perform end to end testing on the Interface, soft grid package installation and offline reports

generation.

• Conduct weekly team meeting to check on the project progress and the road blocks to the implementation

• Coordinated with the Biz team and collected the complete user list for setting up the scheduled soft grid package

installation in the user machines.

• Reported the overall status of the project to the senior management on the Bi weekly basics.

Business Operation Management Exposure:

Project : Option One Mortgage Corporation Aug 2006 till Jan 2007

Role : Assistant Manager

Project Description:

Global Enterprise Model is to completely outsource the full U.S. Residential Mortgage process to the offshore team. The

complete Mortgage processes “Loan setup, Underwriting (Automated and Manual U/W), Title report capture, Appraisal Info

capture and analysis, Closing” of the sub – prime loans are handled by different sub team from the offshore.

Job Summary:

Handled US Residential Mortgage process (wing to wing) from Loan setup to closing for Business Process Outsourcing

support to US Clients in Mortgage industry and was part of the Pilot team to set up the business environment for the Off

shore team.

Work also involves Training the team for various mortgage processes ensuring the smooth process flow from other

subordinate process with all compliance requirements, daily production and daily user productivity reports for the off shore

and on shore management, communicating with clients regarding process updates and process changes and update the

team accordingly, actively participating in development of a unique and new process work flow for the client and assigning

work task for Team Leaders and Underwriters.

Mortgage Systems: LPS (Loan Production System), MOL (Mortgage Online) and Omni flow

Project : Countrywide Mortgage March 2006 till Aug 2006

Role : Process Lead

Managed US Residential Mortgage underwriting team for business process outsourcing support to US Clients in Mortgage

industry.

Training the team for various process updates and ensuring the smooth process flow from other subordinate process with

all compliance requirements.

Preparing daily production, user productivity reports for the off shore management and on shore management. Assigning

work task for Underwriters

Mortgage Underwriting

Automated Underwriting: CLUES

Mortgage Underwriting for the US Client according to there standard guidelines and analyzing the various factors that may

determine the risks involved for the mortgage before funding. The process involves AUS (Automated Underwriting) and

Manual Underwriting.

The complete Mortgage Underwriting processes for the sub – prime loans are handled by the offshore. The Client

(Onshore team) will be sharing the work to the offshore team and the work needs to be completed within the specific Turn

around time (TAT)

Project : Citicorp Trust Bank and CitiMortgage. Dec 2002 till Feb 2006

Role : Junior Process Officer

Managed US Consumer Retail Ops and providing business process outsourcing support to Citibank and other Citigroup

entities across the globe.

S.M.A.R.T Mortgage Loan Processing

A.

CASS Title Search (Abstractor Report Processing)

B.

Data capture from new business, insurance applications for Primerica Life Insurance Co (PLIC)

C.

CASS Appraisal Review

D.

Citi Mortgage Underwriting

E.

Academic Qualifications:

Bachelor of Commerce from Pachaiyappa’s College, University of Madras in 2001

Completed GNIIT certification in NIIT for Information and Technology in 2003.

Contact this candidate