Business Analyst Resumes in US-Florida-Tampa: Debbie

Business Analyst Resume

Contact Candidate

Name:

Debbie

Location:

US-Florida-Tampa

Experience:

Most Recent Job Title:

Business Analyst

Objective:

Business Analyst position in the Tampa Bay area.

Resume Text:

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Debbie Wolford

4316 Harbor House Drive, Tampa, FL 33615

813.240.0226

DebbieWolford@Tampabay.rr.com

• Business Analyst, Project Management, UAT Lead, Quality Assurance, DU Certified Underwriter, Loan Officer, Loan Processor, Loan Closer, Realtor, Relocation Director

• .Net, SQL Server, MS Project, Visio, Powerpoint, Boreland/Caliber, Test Director, Windows, Tandem–Program Analysis, XML Testing, Use Cases, Citrix, VPN, Lotus Notes, Outlook, Sharepoint, SQL +, SQL Magic

• Byte, Calyx, iLoan, LoanXchange, DecisionXChange, MortgageFlex, Empower!, LoanStar, Max Lien Release, Max Foreclosure, Fiserv, MortgageServ, Flamingo/Boarding, Mavent, Loan Prospector, ComplianceEase, Interthinx, Lydian, VisiSystems, DU, MISMO, VMP, Commerce Velocity, Pilot/Co-Pilot, MLS/T-III, Core-Logic, Fair Isaac/Blaze, Product/Production Cost Analysis

• Third Party Interfaces to Due Diligence firms, Loan Servicing, Escrow Agencies, Appraisers, Credit Companies, Compliance Agencies, FNMA DU, FHLMC LP, DU 3.2 Uploads, Fraud, Private Mortgage Ins Providers, MERS, Imaging/Source Corp

• Total Lifecycle Software Development Methodology – create and publish templates and cross platform processes including change orders

• White Paper, Gap analysis of vendor systems as well as internal IT proposals

• Analyze methods to reduce risk in current business processes to determine new requirements by use of automation.

• Consult on industry standard practices and enhanced out of box with custom specs based on business processes and process changes.

• Track cross function inter-dependencies between projects

• Unit, functional, regression and end to end testing, performance/benchmark/stress tests

• Create test plans, test cases for QA and UAT, perform defect reporting

• Gather and document business and functional requirements, UI’s, user workflow, loan status cycles and events, system administration, architectural and data workflow, data configuration, data normalization/translation, analysis of required data for gov’t reporting, S&P regs, strategic planning and GL’s,

• Automated underwriting inclusive of rules engine, products, pricing, rates, fees, guidelines, matrices, AllRegs, credit, property, income, asset, LTV and more

• Work with Doc Mgmt, disclosure requirements based on State and Federally regulated guidelines, review of post closing documents, security instruments, trailing docs

• Geographical coding requirements, history, tasking, team structure, User/Branch setup, Permissions,, Contacts, Feature Code Validation, rules for audit trails

• Provide and test algorithms for specific product, pricing, interest rate, qualifications, FHA/VA, PMI and escrow solutions

• Escrows – Property Tax, Homeowners Ins, Flood Ins, Private Mortgage Ins, premiums and frequency calculations. Provided solutions to reduce force placed policies and errors

• Analysis of client qualifications in terms of income, credit, property requirements, payment shock, savings history, property review, LTV, agency and special product guidelines

• Designed and configured Counter Party Management, including workflow/system triggers in terms of client/loan level data. Continuous analysis/maintenance of appraisers, realtors, borrowers, title agencies, closing agents, lenders, brokers, nationwide using internal historical data as well as incorporating third party watch and termination lists

• Client and internal web site services – UI design and test loan registrations, trader review and mgmt, pricing and approval exceptions, client and investor pool mgmt, pre-quals

• Worked with teams of information security, developers, architects, project mgrs, analysts, strategic planners, end users, compliance, SOX, legal, private/public, stakeholders

• Property and appraisal analysis based on structural value, land value, property condition, usage, occupancy, property type, comps, neighborhood and appraisers comments

• Fraud, risk scoring, predatory lending, HMDA, RESPA, REG-Z, REG-B, Patriot Act

• Pool Management, Investor Mgmt, buy/sell, bulk sampling based on rules and scoring

• Loan and client due diligence based on rules and scoring to low level underwriting

• Generated reporting requirements based on internal needs as well as agency guidelines

• Prime, Sub-Prime, FNMA, FHLMC, VA, FHA, 1st & 2nd liens, Private Investor

• Retail, Wholesale, Correspondent, Bulk, Flow channels, Mandatory Blocks

• Review of Homeowners Insurance policies based on property type, types of coverage, state and lender requirements

• Review of Flood Policies / Flood Certifications, Title Policies and all closing documents

• Borrower and client pre-qual system, wrote requirements, designed screens and configured automated underwriting rules engine, workflow to retail, wholesale or correspondent pipelines

• Created plug and play install database LOS, Retail, Wholesale and Correspondent System, User Manuals, System Administration Guide, Implementation Guides

• Listed and sold custom built homes, re-sale properties and directed relocations

• Manually qualified, originated and processed mortgages in VA, MD, DC, NV & FL which required a clear understanding of guidelines, calculations and regulations, preparation of GFE’s, TIL’s and required disclosures

• Demonstrated and trained key decision makers, users, including clients

Aug 2008 to Feb 2009, 6 mo contract - D.A. Wolford, Inc, Contract Business Analyst

Raymond James and Associates contracted by Criterion Executive Search, St Petersburg, FL

• Projects included Sweeps, Fee Waivers, Name Change

• Worked with business users, B.A.’s, developers, architects, product & project mgrs

Oct 2006 to Present, Goldman Sachs/Avelo/Archon, Associate, St Petersburg, FL

Project Management, Business Analyst, User Acceptance Test Lead for Bulk and Flow Investor

• Worked with Trading Desk, Sales Team, Client Relations Managers, Credit Risk, Due Diligence, Transaction Managers, Compliance, Investigations, Property Valuations, Operations/Funding, Finance, Information Security, SOX, IT and 3rd Party vendors

• Projects included Underwriting Workbench, Automated Underwriting, Workflow, Seller Mgmt, Closing/Funding, Trailing Funds, Purchase Advice, Reports, Pool Mgmt, Bid/Trade Mgmt, Bulk/Flow client website, Pricing and Approval Review and Exceptions

• Moderate travel required

Nov 2004 to Oct 2006, Mortgage & Real Est. Business Analytical Consultants, Inc. (Florida Licensed Self Employed S Corporation). National City Mortgage, Miamisburg, OH 12/04 thru 9/06

• Worked with Analysts, SME’s, Stakeholders, Tech Leads, Infrastructure, Development and Vendor to implement the Fidelity Empower! Application.

• Projects included Point of Sale pre-qual to registration, tax and insurance escrow designs and calculations, FHA max loan limits, VA residuals and VA taxable income, HMDA, Loan Number generation, underwriting and pre-funding audit loan conditions, pre-funding and internal quality review document checklist, FNMA DU3.2 import, bulk import to loan commitments, predatory lending, prepayment penalties, late fees, investor maintenance and investor funding maintenance, investor product code maintenance, Welcome Letter and Temporary Coupon mapping, Correspondent Lender Maintenance, Bank Wiring Maintenance, Dealer Maintenance, Appraiser and Lender Watch List, MERS, and Streamline 2 Way Feed

• 100% travel required

June 2003 to Nov 2004 HSBC Technology Services, Business Analyst, Brandon, FL

Project Management, Business Analyst and Quality Assurance

• Worked with SME’s, Stakeholders, Business Analysts, Developers, Tech Leads

• Project included : E-Boarding, Boarding to MortgageServ, Escrow Lines, for Loan Servicing, , Prime Lending Retention Enhancement, new Underwriting Platform, Custom Closing Instructions, new HMDA Reporting Repository and implementing new licensed States to business, Product and Pricing Rules Engine, Credit Reporting and misc Consumer Lending projects

• Minimal travel

Sept 1999 to June 2003 FIS /Alltel Information Services, Sr. Business Analyst, Tampa, FL

(Fidelity Information Services/Alltel/Mynd/Cybertek/PMSC inclusive in corporate changes)

 Projects included successful implementation of Retail, Wholesale and Correspondent workbench with client. Retuned for upgrade/enhancement based on client request. Other projects included misc on site assistance on multiple projects. Worked with team to build model bank install database on internal project. In addition, researched and resolved operational issues for Retail and Wholesale dept of current client. Consulted on procedures, offered one-on-one training to production personnel to resolve non-development issues. Researched and resolved internal issues for client regarding Lien Release backlogs. Worked with task force to bring client to compliance standards.

 100% travel required

1980 to 1999 – Various positions throughout the Mortgage and Real Estate Industry

Realtor, Relocation Director, Loan Office Manager, Loan Processor, Loan Officer, Closer, Underwriter (Certified FNMA DU)

 FHA, VA, CONV, HELOC, State Bond loans,

 Originated, processed, analyzed loans to ensure compliance and investor guidelines.

 Reviewed Title, prepared closing documents. Reviewed post-closing documents prior to funding.

 Daily written and verbal communication with clients, co-workers and all third party contacts. All functions required automated processing and electronic communications post 1995. From 1980 to 1995, all processes and calculations were manual or calculator driven.

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