Business Analyst Financial Services

MARIE ESPINOLA

*** **** ******, **** *******, Ca 92262

***- ***-**** ****************@*****.***

Over 20 years of leadership experience as a business analyst in the financial services industry. Extensive knowledge of underwriting, document custodian, loan servicing, investor reporting and, Functional Design Specification documents • - Technical Design Specification documents • - Use Cases • - Test Scripts • - Weekly Status Reports. Minimum of 3 year experience working in an IT or associated technical role for upgrading internal systems in 2005 to 2007, Conduct the UAT (user acceptance testing) and Training sessions with the client as the project moves towards final acceptance. • Provide inputs to the development team on defect fixes and business requirements. • Perform analysis of requirements/design documentation and business processes as inputs for test planning/execution cycles. Conduct Regressions Testing, Component Integration Testing, and System Integration Testing in Respective environments. Testing, implementation and production support with multi-billion dollar companies while contributing to their business and financial success. Experienced in managing multiple teams of Webinar client/server and mainframe staff, and onshore and offshore contractors hired for computer systems changes. Supported staff in the delivery of strict timelines while meeting and exceeding quality. Effective leadership with project management, analysis, business case preparation for the new internal system, collaborate in business writing for internal, external staff, practices and systems to determine compliance with federal rules and regulations and lender-shop training by using Access database, Power Point presentation, Excel and Word

PROFESSIONAL EXPERIENCE

Disneyland/Anaheim, CA 2008-2013

Cast Member

Cashiering, Writing Names in the Hats, inventory in Company “D”

Give the best customer service to our guests.

FANNIE MAE, Pasadena, Ca. /Dallas, TX 1997 to 2007

Servicing Specialist

Created UAT for the LPW to Risk Project during 2005 to 2007, conducting the UAT and training sessions with the client as the project moves towards final acceptance.

Minimum of 3 year’s experience working in an IT or associated technical role for upgrading internal systems. Also Performed analysis of requirements/design documentation and business process as inputs for testing, planning /execution cycles.

During 3 years conducting respective environments, testing implementation and production support with multibillion-dollar companies while contributing to their business and financial success.

3 years experienced in managing multiple teams of webinar client/server and mainframe staff and onshore and offshore contractors for computer systems changes.

Provided day-to-day support to the Relationship Officers and Team Leaders in insuring that customers are effectively serviced, their inquiries responded to and operational situations resolved promptly and efficiently.

Provided and monitored the lending team is in the field and individual. Facilitate written and verbal communication with 350 lenders to obtain needed documentation.

Collects on designated delinquent accounts. Maintains good customer relations with borrowers, and effectively solves problems in an effort to resolve account delinquency and prevent losses.

Demonstrated good customer service skills while initiating outbound calls and receiving inbound calls from customers. Negotiates account resolution and accurately inputs and documents actions within the collection systems while maintaining company performance and productivity standards. Escalates calls to the RCC Management Team as needed.

Reviewed properties under underwriting procedures.

Resolved the account either through repayment of the unsecured debt or repossession of the outstanding collateral and must be knowledgeable of state-by-state laws.

Made outbound calls to establish contact with customers for purpose of negotiating repayment of charged-off balance.

Responsible for underwriting a wide range of mortgage loan products, to include 1-4 family and multi-family loans.

• Review and analyze financial information received from borrowers that request a loan modification

• Make recommendations on the appropriate loan workout plan based on the borrower’s financial information and other considerations

• Review and analyze rent rolls and operating statements received on multi-family & other loans as needed

• Coordinate and monitor routine property inspections for multi-family and other loans needed

• Assist in other special projects as needed

Meet or exceed collection and budget goal.

Properly queue accounts based on predetermined criteria set up by Supervisor or Manager.

California Federal Bank 1989- 1996

Investor Reporting (Private Investors): Prepare and verify remittance reports, balance bank accounts, payable accounts for each investor, verification and preparation of Test of Expected with Bank Account and Payable Account. Prepared wire, journals entry, transfer of each investor.

Ralph Sutro/ Crossland /Metmor Financial Inc. 1984-1989

Payoff Supervisor (1986-1989): Trained and supervised up to 20 employees. Organized department procedures, which maximized level of efficiency and productivity. Monitored production and overall department effectiveness. Responsibilities also included re-verifying completed paid off files on nationwide FHA/VA, FHLMC and FNMA loans.

Senior Investor Reporting (1984-1986): Verified daily payoffs figures, accounted for loans transferred in and out of investor control due to loans. Examined REO loans notifying appropriate departments if discrepancy found. Reconciled all accounts and wired funds.

Quaker Federal Savings and Loan 1974-1984

Sr. Investor Reporter/Sr. Accounting Clerk. -Monitored three employees in lieu of the supervisor to maintain an even and efficient daily workflow in the Investor Reporting department, prepared corporate financial statements and monthly reporting of FHLMC, FNMA and GNMA backed loans. Audited all general ledger accounts and bank reconciliations to the FHLMC, Union Bank, and First Interstate Bank. Audited and analyzed accounts and records to trace errors.

EDUCATION AND TRAINING

Master Education 1st.-6thgrade Elementary School Degree

Central Regional Normal Benito Juarez

01/05/1969-08/01/1973

Mexico

A.S. Data Processing and Accounting Degree

01/07/1980-01/28/1985

Rio Hondo College, Whittier, CA.

Visual Basic Course California State University,

1996-06 /1997

Los Angeles, CA.

Navision Software /System

Acquired by Microsoft

2002/ 01/2005

(Business management solution for small and mid-size business helps finance.)

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