Candidates About

Ranjit Singh

Professional profile

A results-driven financial systems analyst/developer with extensive experience in application development system integration. Experience in systems analysis, business process analysis, data modeling, decision support systems, project management, and application development. Key strengths include:  Project Management, Data Analysis, Documentation of processes and Report development; Systems management and Process improvement.

     Highlights

• Several years of diversified experience with Mortgage Banking and Financial Institutions.

• Proficient with entire Microsoft Office Software suite.
• Proficient with Microsoft SQL Servers Software.
• AS400, TERA Data SQL Analyzer.
• Early Resolution.

EXPERIENCE

July 2016– September 2016 Professional Business Analyst (Contract), CeleritiFinTech, Dallas, TX

• Consultant to Service Delivery team and External Banking Clients. Contracted through Technology Ventures to configure, develop and provide strategy support to the Early Resolution Mortgage SaaS Product - a default servicing, modification workout and loan management system.
• Requirements gathering, business to IT communication, process mapping and creating test Script for UAT testing.
• Data analytics within Legacy Asset Servicing supporting mortgage loan modifications, Making Home Affordable (MHA) Program, database management, data research, and data integrity.
• Provide critical data elements used for executive reporting, production business flow, regulatory and tax reporting, and audit analysis.
• Enhanced automated renewals, rate changes for various states, data conversions from old AS400 system to new web based business intelligence tool, and various compliance updates
• Perform complex analyses of business goals, objectives and needs of the general business environment to align information technology solutions with business initiatives for multiple, complex accounts. Serve as a subject matter expert and the liaison between technical personnel and non-technical personnel.
• Partnering with the Product Owner to develop and write highly effective user stories. Require changes to systems of record or middleware services, write product definition and business requirements documents consistent with Project Management Methodologies (both Waterfall and Agile).

July 2010 – August 2015 AVP Operational Reporting and Analysis, Bank of America, Thousand Oaks, CA

• For the past five years worked in Credit Loss Mitigation Strategies (CLMS) responsible for providing reporting and analytical support on major initiatives including the National Home Retention Program, Home Affordability Modification Program (HAMP), National Mortgage Settlement (NMS) and Independent Foreclosure Review (IFR). Recently acquired additional responsibility for the Associate Scorecard Performance tracking used to determine incentive payout for over 6,000 collectors and CRM associates. 
• Provided analytical support for senior executives with strong focus on default trends and performance of the $2 trillion servicing portfolio. Provide analysis on delinquency performance at the vintage, origination channel, state/county/MSA, and product level. Owned responsibility of forecasting delinquency ratios for the servicing portfolio, used for budget and staffing purposes by all divisions and operating units within LCFC servicing operation. Responsible for all LCFC external reporting to the Rating Agencies (Moody's, S&P, and Fitch).
• Responsible for Analytical & reporting deliverables supporting LOB first lien Loan Modification operations.
• Perform complex data analysis and research for Adhoc & audit requests, SIAI support by data mining several data sources utilizing SQL Server Management studio.
• Designed and developed several reports used to track and measure LOB performance based on Command Center structure for senior leadership.
• Responsible for generating various metrics used in KPI reporting.

·      Enhanced analysis techniques for LOB partners, by customizing SQL queries and Views to simplify their day to day tasks.

·      Participate in analysis for new product roll out for reporting impacts and new requirements.

• Continually optimize existing processes to ensure efficiencies and reduce redundancy.
• Participate in reporting platform conversion from Excel based to SQL Server Report Services and eventually migrate to Oracle based COGNOS reporting platform.

February 2007- June 2010 Senior Business Analyst, Bank of America, NA Thousand Oaks, CA

·         Created and Maintained DTS packages (SQL Server 2000 & 2005) and OLAP cubes for Inventory Accounting’s financial reporting needs.

·         Served as a liaison between system end users and technical support group.

·         Prepared BRDs (Business Requirement Documentation) for potential projects and also put together PCR (Program Change Requests) once management had approved projects.

·         Created Business requirement documentation for all system enhancements and managed projects.

·         Managed various projects for business systems development and system enhancements, coordinating between Business Users and Development Team, which had more than 4 associates at any given time.

·         Managed end users testing process and procedures, for journal entries posts to People Soft once IT completed an application enhancement.

·         Evaluated, analyzed and document business requirements and recommended automated solutions for manual process, which in turn increased departmental productivity.

·         Created user manuals and trained accounting department on Business Objects Application.

·         Prepared and documented disaster recovery procedures for Loan Accounting’s SQL Server and Loan Accounting Inventory System (TBLA).

·         Tested all data and report accuracy after programming changes were implemented by the Technical team.

·         Summarized Bank portfolios’ performance, reviewed variances and presented findings to executive management. Analyzed financial data, identified and quantified variances (e.g. projected interest payments vs. actual payments).

June 2001- February 2007 Senior Financial Analyst, Countrywide Financial Corp, Simi Valley, CA

·         Work with Secondary Marketing and Capital Market to securitize loans into CWMBS CWABS and / or private investors.

·         Verify and prepare data to transfer loans over 500,000 loans from countrywide warehouse to private investor monthly basis.

·         Generate and distribute outstanding Bank Reconciliation Item report to S&P monthly and quarterly basis.

·         Responsible for analyzing data and preparing management reports on securities, with ending schedule balance of $200 Billion, and submitting to the senior management group.

·         Participate in and prepare data for quarterly audits, required by the various investors.

·         Evaluate and review Non Government Investment Portfolio Servicing contracts with internal legal advisers and make models to keep track of all triggers listed in the legal contracts.

·         Generate, and distribute Bank of New York Delinquency Report to all the rating agencies, certificate holders, and Bloomberg on a monthly basis.

·         Identify, develop and submit documentation for MIS enhancements, designed to improve efficiency and effectiveness of the operating units, to the Investor Accounting / Program Change Request (PCR) Tracking Committee.

January 1998- June 2001 Financial Analyst, Aetna U.S. Healthcare Company, Los Angeles, CA

·         Responsible for analyzing financial data and preparing financial statements for provider groups each quarter.

·         Coordinate with internal and external auditors to provide support for financial statements, settlement payments, deficit utilization and aggregate charges.

·         Analyze and interpret provider contracts to prepare and analyze financial statements.

·         Prepare vouchers for provider payments in accordance with payment terms of contracts.

·         Auditing and reconciling with independent auditors to test the reasonableness of the monthly Account Receivable Delinquency status.

·         Analyze, prepare and present monthly reports to the senior management.

·         Worked with other financial groups to insure the proper application of A/R, Cash and Collections.

·         Attended quarterly strategic planning sessions and make financial management recommendations.

·         Coordinates activities and participated in fact-finding meetings.

·         Liaison between Billing & Eligibility, Case Installation Management, Leadership team and Sales.

·         Devised, directed and implement policies, procedures and reports to track and improve efficiency and production.

·         Strong analytical, interpersonal and negotiation skills.          

EDUCATION    

B.A., Finance with Computer Science - University of Phoenix, Woodland Hills, California, 1996.