Business Analyst

A challenging position as a business analyst, which acts as a liaison bridging the gap between technical development and business requirements with an emphasis on customer focus.

Strong analytical skills in business analysis, project management, reporting, solving complex problems and client relationship through usage of technical skills.

EDUCATION: Bachelor of Science in Management Information Systems,

University of Texas at Arlington, May 2000

SOFTWARE: All MS Windows software at advanced level, MS Excel & PowerPoint at expert level; advanced software including Visual Basic, SQL, Java, Crystal Reports, etc.

WORK EXPERIENCE

ResMae Mortgage Corp. June 2005 to Present

Risk Mgmt /Quality Assurance Specialist

Served as the sole Quality Assurance and Risk Management associate for the Dallas operations center. Conducted complete audits as well as targeted audits on high risk loans; audited files for consistency, credit risk, fraud and compliance; performed in-depth case studies, risk analysis. Created series of ad-hoc reports to analyze High Cost loans, standard income as well as tax returns and other utilities to increase productivity and efficiency. Conducted weekly training sessions providing on going training for sr. underwriters and client reps on new policy & procedures, guideline changes and state specific guidelines.

Area Credit Manager

Manage all aspects of internal operations from initial setup to post closing for a wholesale lender. Responsibilities include managing a team of underwriters, funders and setup. Manage the team from initial file setup through underwriting approvals, closings and post closing. Follow through with timely delivery of Collateral and Base files. Analyze complex credit and collateral scenarios and propose appropriate solutions; monitor reports and manage large pipeline of loans through various stages; maintain and enforce government compliance practices. Recruit, hire and train new talent as well as provide on going training for the team; analyze process flow for efficiency. Create strategic relationships with brokers, Title Companies and legal counsel. Analyze monthly volume, and generate projections and goals for senior management.

Accredited Home Lenders, Inc.

Sr. Loan Specialist October 2003 to June 2005

Served as a Senior Underwriter in a team environment for a B\C lender. Underwrite files based on lender’s guidelines; review appraisals for accuracy of value; acted as a right-hand individual for operations manager; communicate file approvals and conditions to AEs & brokers as well as follow through with closings; restructure failed loans based on income, credit & pricing; exercise exception authority & analyze loan performance; make counter offers based on benefits & compensating factors; provide continuous training to LS I, LSII & new underwriters. Analyze pipeline, projection & funding reports. Recognized as winner of Circle of Excellence Award for year 2004.

Bomac Mortgage Holdings, L.P.

Quality Control May 2003 to September 2003

Performed quality control and various operations functions for Alt A & B/C lender; audited files for credit, capacity and collateral review; evaluated borrower’s credit, income / employment, purchase contract, title, insurance and appraisal; communicated findings to ops mgr. Other functions included supporting daily operations such as clearing conditions on approvals and making exceptions for alternate documents if necessary; offered alternate products that were more suitable for the borrower; created various pricing matrices using advanced Excel functions for numerous products.

TexasLending.com October 2002 to April 2003

Loan Officer

Served as a loan officer for a leading mortgage company; duties include loan origination, develop client and lender relationships; acquire training and knowledge in existing and new lender products, perform credit analysis; help clients customize their mortgage to suit their credit scenarios; input loan applications into Calyx – Point software; run DU / LP automated underwriting; produce Good Faith Estimates for clients; evaluate title research & appraisals; also, work alongside many appraisers, insurance agencies, title companies and non-profit organizations.

Contract Loan Processor January 2002 to September 2002

Processed various types of loans, including Conventional, FHA and Sub-Prime loans on a contract basis; performed various tasks required in the life of a loan application and loan processing; ordered title commitment, appraisals, pay-off statements. Run automated underwriting through DU or LP and analyze underwriting conditions. Analyzed title research, credit reports, appraisals and home insurance declarations; updated client information and Good Faith Estimates in Calyx – Point software; submitted complete loan packages to lenders; constantly communicated with underwriters to clear conditions in preparation for a ‘Clear to Close’; coordinated closings between lenders, title companies and clients.

Agent Systems, Inc. June 2000 to December 2001

Project Manager / Software Engineer

Analyzed, designed, developed, and troubleshot software, and Oracle databases to support The Smart Box™ System, a validating fare box targeted for public transit agencies; managed projects involved in Lafayette, Dallas, Austin & Fort Worth. used Java, Oracle and Crystal Reports on Windows NT platform; responsible for all phases of system development life cycle (SDLC); primarily focused on providing systems and software support for clients; troubleshot servers, workstations, LAN, operating systems and software application; installed, configured and maintained Oracle databases for clients. Installed and configured The Smart Box System™ software and hardware.

Bank of America, Corp. December 1993 to June 2000

Proof Operator

Balanced customers’ debits and credits using proof machine and ten-key methods; checked for customer and departmental errors and notified them; trained new associates on proof machines and error checking. Achieved constant recognition for very low errors and good quality work in a high volume and a very detail-oriented environment; cross-trained in various departments within Bank of America, including mortgage banking.

References available upon request.

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