Senior Business Analyst & Mortgage Underwriter

Business Analyst

Core Competencies

Eliciting Requirements Business Process Re-engineering Modeling End-user Testing

Communication Skills Collaboration Negotiation Skills Problem solving Skills Critical Thinking Skills

Agile Methodology Subject Matter Expertise in Mortgage Underwriting

Profile

11+ years of experience as Business Analyst and Mortgage Underwriter, managing and leading multiple projects across different business units to deliver quality results within expected timelines

Extensive experience in requirement elicitation and analysis, hands-on project experience in preparing business and functional requirement documents including use cases

Deliver projects in Agile methodology, organize scrum meetings, backlog grooming, planning, review and retrospective; maintain agile dashboards and burn down charts for efficient sprint health tracking

Business process re-engineering experience: Leading workshops to identify redundancies and inefficiencies in current-state business processes and providing recommendations for improvements

Certified Mortgage Underwriter

Diverse domain experience in Retail & ecommerce, Banking and card services

Skills

Proficient in Agile tools

Atlassian JIRA

Proficient in other tools

Microsoft Office Suite, Microsoft Visio, HTML, HP ALM (Application Lifecycle Management), Sailpoint (Identity Management), CCM (Customer Communication Management)

Process Automation tool

Blue Prism (Robotic Process Automation)

Certifications

Mortgage Underwriter Certification

Enterprise Change Framework (ECF)

Professional Experience

Infosys Limited (Senior Associate Consultant) Dec 2015 to July 2018

Client: Citizens Bank, USA

Projects

CECL (Current Expected Credit Loss): The Financial Accounting Standards Board (FASB) issued the final current expected credit loss (CECL) standard on June 16, 2016. The project is to revisit the process and to create a tool to estimate losses in the allowance for loan and lease losses (ALLL) calculation

RPA (Robotic Process Automation): The project involved implementing Blue Prism RPA tool to automate customer address change requests for Bank Accounts, Credit Cards, Auto and Mortgage Loans

VCS 2.0 XP Windows Elimination: This project was focused on upgrading IE8 to IE11 and Windows XP to Windows 7 in VCS environment as well as in Branches and Back-office

Sailpoint: Sailpoint project involved providing identity/access governance solutions with on-premises identity management software for all the GLBA (Gramm-Leach-Bliley Act) applications

BCP (Business Continuity Plan): The project focused on enhancing a proactive plan to avoid and mitigate risks associated with a disruption of operations. It included detailed steps to be taken before, during and after a disastrous event to maintain the financial viability of the bank

Responsibilities

Elicit Business Requirements

Perform Gap and Impact Analysis

Create Business/Functional requirement documents/User Stories

Create and document Business Process flows and Use Cases

Create traceability between Business and Functional requirements

Manage Requirements and Defects in ALM

Bridge between Business and Technology

Act as Subject Matter expert for all functional requirement areas

Create Test scenarios and Test plans

Map functional requirements to test cases and test execution

Help in story point estimation and/or work estimation based on the methodology

Perform Integration and User Acceptance testing

Support PM/Scrum Master to monitor, manage and report project status

GE Mortgage Insurance Co. (GEMICO) (Mortgage Underwriter) Feb 2001 to Nov 2005

India and USA

Responsibilities

Interact with GE’s clients for Underwriting

Prepare process dashboards, reflecting CTQ (Critical-to-Quality), TAT (Turn-Around-Time) in Six Sigma

Understand current processes of clients and provide them details of GE’s underwriting quality and practices

Help setting up processes of underwriting between GE and its clients

Underwrite - approve/reject a mortgage loan (Credit limit of $650,000) by analyzing the borrower’s credibility in compliance to Federal Laws & Investor guidelines

Assess borrower’s assets, liabilities, documentation and final disbursements, ensuring compliance to the GE’s policies

Create SOP (Standard Operating Procedures), to keep the team informed

Wilnet Communications Pvt Ltd. (Finance Executive) Jul 2000 to Feb 2001

India

Responsibilities

Manage General Ledger and Accounting

Apollo Tyres (Finance Executive) Jun 1999 to Jul 2000

India

Responsibilities

Keep track of earning and reward as per the sales

Resolve any customer issues and inquiries regarding reward program

Recommend and execute improvements to better serve the customers

BankWatch (Junior Analyst) Nov 1998 to Jun 1999

India

Responsibilities

Support Finance Executives in managing General Ledger and Accounting

Recognition & Volunteer Work

Recognized by Citizens business (2016-2017) - for strong communication skills and outstanding performance

Volunteered (2016-2017) - CS4RI (Computer Science for Rhode Island) summit

Star of the month (Oct - 2001) - In recognition for exemplary performance and demonstration of GE values in the workplace.

Employee of the month (June - 2001) – In recognition for invaluable contribution in meeting customer CTQs (Critical to Quality) and exceeding customer expectations.

Certificate of Appreciation (May – 2001) – In recognition of outstanding contributions to the GEMICO process.

Flash Award (April – 2001) – In recognition for commendable efforts and appreciation for the great learning attitude displayed during training period

Educational background

MBA (Finance with International Business), 1998

Hindu Institute of Management, Sonepat, India

Bachelors of Arts (Economic), 1996

St. Bede’s College, Shimla, India

Contact this candidate