Candidates About

 

Uma Lad      

 

Objective: Mortgage Loan Application System Implementation and Consulting.

 

Summary

§  Experience in various Financial Business Applications including e-commerce.

§  Experience in Auto Industry Applications and Dealer systems.

§  Certified Scrum (Agile) Master (CSM)

§  Experience in Project Management

§  Certified Scrum (Agile) Product Owner (CSPO)

§  Experience in UAT and QA

§  Knowledge of JIRA software

§  Experience in Production support

§  Certificate in Business Analysis (Watermark)

§  Fellow Life Insurance and Management Institute (FLMI)

§  Quality Center (HP)

§  Skills in Microsoft Office Products (Excel, Access, PowerPoint, Word, Visio, MS project
etc.).

§  Experience in Software Development Life Cycle, (SDLC).

§  Knowledge of Microsoft SQL,

§  Customer Relationship Management (CRM)

§  Six Sigma Fundamentals

§  Certificate in ITIL Foundation (Information Technology Infrastructure Library).

§  Certificate in Mortgage Loan Banking, from Mortgage Bankers Association.

§  Real Estate Broker certificate

 

PROFESSIONAL EMPLOYMENT HISTORY:

Consulting:                                                                                                      Jan 2017- Current

Management of Real Estate Property Maintenance, resolving issues, coordinate with customer service & sales and marketing teams in five US States.                                     

Yamaha Financial Services, CA (Contractor)                      Nov 2014-October 2016
Automotive Finance Industry Senior Business Systems Analyst / Project Management

§  Project Management duties rendered:

§   Project Management Planning, Organizing, Leading and Controlling which included

o    Define and clarify project scope

o    Develop the project plan

o    Develop the project schedule timeline

o    Determine the organizational structure of the project team

o    Identify roles and positions

o    Discussing team direction

o    Coordinating activities across different organizational  IT / Business / Vendor  functions

o    Motivating team members

o    Assigning work

o    Measuring: Checking project progress toward meeting its objectives

o    Evaluating: Determining the cause of deviations from the plan

o    Correcting: Taking corrective actions to address deviations

§  Senior Business Analyst duties rendered:

§  Created Business Requirement Document (BRD) for Automotive Loan Origination System, Loan Processing and Loan Servicing end to end including the following:.

§  LOS Application processing (Non-Prime business) including screen flow prototyping.

§  Underwriting, Loan structure, Pre & Post decisions, Credit Rules, Bureaus, NADA, Scorecard, Lexis Nexis, Adverse Action letters, Contract preparation, Contract generation, Funding of Loan, Reports.

§  Define and implement business rules; New and Used automotive product lines.

§  Data export files for loan transactions and servicing set up transactions

§  Performed UAT testing, quality management, use case development, test scripts, test
enhancements, test scenarios, reviewed XML, reviewed system logs and queries.

§  User roles and responsibility setup and maintenance; Dealer setup with product lines.

§  Created Business Requirements for New Credit Card System for Automotive business transactions end to end including the following:

§  Credit Card Application LOS processing (Prime business) including screen flow prototyping.
Application search, credit account inquiry, Offer presentation, Credit Card Authorization,
Customer promotions, credit line assessments, Tiers, Card transactions.

§  Settlement, Sale slips receipt, funding checklist, Dealer Funding Report, Funding to dealer
via ACH.

§  Reviewed Data Outbound transaction files and Inbound Response files

§  Documented mapping of data fields between various systems, gap analysis, and system
interfaces.

§  Designed process flows and work flow diagrams, swim lanes, context diagrams, activity
diagrams.

§  Created Funding File processing end to end for Dealer payments for Loans and Credit card
business. Coordinated with Accounting and Treasury departments.

§  Served as a liaison to other teams in planning, coordination, development and deployment of
team projects,

§  Conducted JAD sessions with users and technical meetings with developers and vendors.

§  Managed defect tracking in Loan Origination system and Credit Card systems as part of
customer relationship management and responded, resolved customer service requests with
vendors.

§  Managed incidents on a daily basis and followed up on critical issues and conducted root
cause analysis.

§  Elicited feedback from business users and vendors and conducted workshops as needed.

§  Conducted audience analysis for presentations.

§  Identified problems, research alternatives, drive solutions, conducted test validation, and
implemented solutions for applications.

§  Reviewed Materials Management for Plastic card, statements, and related material handled by Vendor systems.

§  Performed the role of a System administrator for LOS systems.

§  Documented Policy & Procedures with Business operations.

§  Provided production support for resolving system issues with development team and vendors.

 

American HONDA Finance Corporation (AHFC), CA Contractor             Feb 2013-Oct 2014
Automotive Finance Industry Senior Business Systems Analyst

§  Coordinating project activities across different organizational IT / Business departments.

§  Experience in B2C (e-commerce), Loan Originations, Sales & Marketing applications:
Created Business Requirement Documentation (BRD) and System documentation for Auto Loan Processing (Prime business), and various back end system interfaces.

§  Conducted JAD sessions

§  Elicited business and user requirements from business partners and cross functional teams, using a variety of Industry Standard/Best Practices techniques.

§  Developed updated business process documentation both 'as-is ' and 'to-be '

§  Created Process flows, Activity diagrams, Context diagrams. Performed Gap analysis based on current and future state.

§  Documented, categorized and prioritized business, user and system requirements.

§  Validated requirements for quality attributes, such as clarity, conciseness, correctness,
completeness, testability, and traceability

§  Created Use cases, Test Plan, Test matrix, and User Acceptance Testing and SQL queries for the (B2C) web applications for Automobiles and Motorcycle websites for Brand and Financial websites.

§  Followed System Development Life Cycle (SDLC), Waterfall/Agile methodologies.

§  Used proto-typing techniques to validate and verify that the proposed solution met the
business and user requirements

§  Collaborated with business partners and cross functional teams to define acceptance criteria for proposed solution

§  Translated the business and user requirements into system requirements

§  Reviewed and approved project documentation, including estimates, business requirements, design documents, technical documents, test plans, and test results.

§  Created User Interface screens prototypes

§  Applied proven analytical skills to system functionality and business/system processes
through problem resolution and customer satisfaction.

§  Mapped fields from source to target, and utilized business rules logic.

§  Worked on scope and design Interface for B2C web application, Loan Origination Systems, Sales and Marketing applications and. Dealer Applications

§  Discussed technical architecture design of applications and communicated technical options and alternatives to Business Customers.

§  Ensured strong customer focus and management of client expectations; ability to establish and maintain a high level of user trust and confidence.

§  Gathered estimates for Design with development teams.

§  Collaborated with project managers in defining detail tasks for project plans

§  Experience in Sales & Marketing systems - Interacted with Sales and Marketing Team for
application that consisted of the Dealer, Model and Sales program files.

§  Experience Intranet application for Users to access various internal applications.

§  Collaborated with clients to analyze information needs and functional requirements.

§  Created Functional Matrix to capture requirements

§  Created Business -Technical specification document which included Single Sign On, User Administration Interface, and User profile set up, with authority levels

§  Mapped fields for Web Service to add modify and delete users.

§  Analyzed Interface Interactions between various automotive sub systems.

§  Familiarity with Dealer Systems (Dealer Track systems).

§     Reporting: Created Fiserv interface for adverse action and Error and Omission.

UNION BANK, Los Angeles, CA Contractor                   Jan 2011- Jan 2013
Senior Business Systems Analyst

§  Created Business Requirements for Loan Origination System Commercial loans (RACER system), and Basel II.

§  Gathered Requirements, Resolved Customer issues. Coordinated with the QA, downstream teams, and business users to create and finalize test plan/scenarios and test scripts.

§  Identified, analyzed, and translated business needs into functional specifications, Data flow diagrams.

§  Collaborated with business partners to define project vision, scope and understand business problem and need.

§  Followed SDLC process including business analysis, requirements analysis, integration, and quality assurance testing

§  Leveraged thorough understanding of business process and system processes to make
recommendations and propose technical/non-technical solutions to meet business requirements

§  Documented Process Flow mapping; Coordinated guidelines of new Policy and Procedures, resolved issues and implemented solutions.

 

BANK OF AMERICA/COUNTRYWIDE FINANCIAL CORPORATION, CA Jan 2000- Dec 2010

Senior Business Systems Analyst / Project Manager

§  Coordinated activities across different organizational IT / Business departments.

 

§  Created Business Requirements for Loan Origination Application and Processing Systems: Loan Compliance, Mortgage Underwriting, Loan Collaterals, Loan Funding, Loan Closing (Various Phases in a loan cycle)

§  Resolved issues in Mortgage Servicing System including processing of payments, collection of fees.

§  Coordinated Credit Interface for credit systems and Credit Bureaus (Equifax, Experian, Transunion).

§  Conducted Systems Analysis and assisted in Project Planning

§  Worked as Business/System Analyst with Business Users for Preliminary Investigation, Problem Analysis, Functional Requirements, Decision Analysis and Business and System flow charting using Visio, data flow diagrams (DFD), work flow diagrams, use cases, root cause analysis for various systems.

§  Conducted JAD sessions with customers and developers to come to an agreement on the basic scope, objectives and specifications of the project avoiding scope creep. Initiated business strategy plans, Business process review, Project Charter.

§  Performed User Acceptance Testing - developed Test Plans, Test scripts performed testing and validation of software systems according to standards agreed upon by business and IT.

§  Performed Quality Assurance Testing of application changes for the QA Department, using HP-Quality center.

§  Conducted Joint Application Development (JAD) sessions to discuss Prototype design and evaluation of Test plan development, Security and Risk Management planning.

§  Troubleshooting of production questions and problems (including review of database tables and logs) in an enterprise level production system

§  Prioritized and assigned system trouble tickets and enhancement requests

§  Created Activity diagrams, and Process flows using Visio.

§  Validated requirements for quality attributes, such as clarity, conciseness, correctness, completeness, testability, and traceability

§  System development life cycle (SDLC) implementation using Waterfall and Agile methodologies, Analyzed complex business processes spanning multiple departments for related business requirements including resources and processes for system modification.

§  Created and maintained IT Business Requirement Documents (BRDs) including business requirement matrix.

§  Worked with IT development team on rules/decision engine

§  Worked with Offshore teams during Application Testing to resolve issues.

§  Created training documentation related to the business process, user manuals, etc.).

§  Worked closely with IT development team to interpret and explain business and functional and technical requirements for specified applications.

§  Consulted with business unit management and end users to identify business needs and objectives, current operational procedures, problems, input and output requirements, data scope, usage, formatting and security requirements.

§  Provided production support included in communicating issues and work on resolutions.

§  Systems analysis design and maintenance of Financial, Accounting and Mortgage Loan originations and servicing systems.

§  Managed responsibilities as a project manager / BA.

§  Involved in Project Planning, Change management, Release management, SQL queries, new software upgrades, and bank branch management systems.

 

TRANSAMERICA CORPORATION, CA                  September 1984-December 2000

Manager Financial Systems/Business Systems Analyst

PROJECT Management duties included coordinating activities across different organizational IT / Business departments / Vendors.

§  Managed Project Planning, Organizing, Leading and Controlling

o    Defining project baselines

o    Tracking project progress Motivating team members

o    Assigning work

o    Measuring: Checking project progress toward meeting its objectives

o    Evaluating: Determining the cause of deviations from the plan

o    Correcting: Taking corrective actions to address deviations

o    Project status reporting

o    Determining and taking corrective actions

§  Implemented Mortgage Loan Servicing Systems, Loan originations systems.

§  Worked on Secondary Markets - CMO and REMICS portfolios and with Trustee banks.

§  Understanding of ERP systems - Strong understanding to Accounting applications in regards to AR, AP, daily/monthly/yearly reconciliation with the general ledger.

§  Created business requirements for Escrow Systems, which included property taxes for outsourced loans

Business Systems Analyst / Systems Administrator

§  10 years' experience in managing operations and implementing Mortgage Loan Servicing systems.

§  Managed REMIC (CMO / Mortgage derivates) Secondary market prepared cash flow analysis, Trustee statements.

§  Created following documents per the System Development Methodology (SDM) guidelines: Requirement documents, Design documents, Prepared Use Cases, Communication Plans, Service Level Agreements, Contingency Planning.

§  Created Test Plan Strategy, wrote Test Scripts and conducted UAT.

§  Managed Relational database servicing system.

§  Interfaced with consultants, programmers, auditors and other accounting departments.

§  Implemented data conversion, parallel testing, and end user training.

§  Performed the role of System administration for database systems.
Managerial Experience

§  Managed staff of fifteen employees for daily operations, exercising independent judgment.

§  Performed managerial functions including employee interviewing, planning of schedules and employee evaluations.

§  Implemented Special projects as requested by management

§  Planned, organized, and prioritized multiple tasks and designed workflow plans.

§  Interacted with Senior Management and financial line departments.

 

EDUCATION:

B.S. Accounting/Business, California State University, Los Angeles, CA
B.S. Computer Information Systems, California State University, Los Angeles, CA
M.B.A.(Finance), California State University, Los Angeles, CA