Default Business Analyst

The Senior Default Business Analyst elicits, documents, validates, and manages business and system requirements for mortgage default projects. The role bridges business stakeholders and Information Systems, develops testing strategies and UAT materials, supports implementation validation, analyzes data using Power BI and DAX, identifies trends, improves processes, supports audits, and assists with regulatory and servicing updates. The analyst also mentors junior staff and resolves escalated issues., The Senior Default Business Analyst performs activities related to the company’s business analysis functions within the default enterprise departments. The role is primarily responsible, under limited supervision, for eliciting, analyzing, validating, specifying, verifying, and managing the needs of stakeholders. These include customers and end users from cross-functional departments. The Senior Default Business Analyst serves as the conduit between the business and the Information Systems software development team through which requirements flow for medium to complex projects., * Work with project sponsor to document project objectives, identify stakeholders, communicate risks/issues and analyze scope.

• Elicit project requirements through the use of brainstorming, interviews, document analysis, viewpoints, etc. to avoid unnecessary project updates in the future.
• Write project requirements specifications and business rules according to standard templates.
• Accurately define quality attributes, constraints, external interfaces, and other nonfunctional requirements.
• Establish and implement effective testing strategies to appropriately assess final programming changes; work with Business Analysts to identify cross impacts of final programming changes to other areas.
• Document system changes in short narrative or diagram overviews including all business rules, use cases, and test scripts.
• Participate in peer reviews and inspection of requirements documents and corresponding work products; ensure that the requirements were interpreted correctly.
• Support training programs and tools to increase system knowledge; assist with developing servicing processes, scripts, and templates for correspondence.
• Decompose high-level business and user needs into functional requirements and quality, specified in an appropriate level of detail.
• Work closely with VP, Managers, Supervisors and Business Analysts on system fixes and project documentation.
• Represent requirements using alternative views via flowcharts, diagrams, or scenarios where appropriate; participate in business justification and the prioritization of proposed requirements based on strategic or tactical importance.
• Identify and stay current on changes in industry regulations, and recommend updates to internal policies, procedures, and systems based on new/changed requirements.
• Establish and implement effective requirement practices, including use and continuous improvement of requirements process.
• Effectively liaise between IT resources and line of business, including but not limited to easing communication discrepancies, supporting QA resources, creating project test cases, facilitating UAT, and completing implementation validations.
• Develop and implement data collection systems, data analytics and other strategies that optimize statistical efficiency and data quality.
• Identify trends, assist with forecasts and provide explanations for unexpected data results.
• Provide exam/audit/monitoring support as directed.
• Use expertise to resolve issues escalated by junior-level teammates.
• Takes initiative to identify knowledge gaps and seek opportunities to learn and enhance skills.
• Perform other duties as assigned., Job Scope: Responsible for understanding the department/functional area objectives and goals and how own job contributes to achievement of these goals; may recommend changes and enhancements based on analysis and evaluation of circumstances.

Complexity: General precedents may exist for most problems; conducts independent research/analysis to identify the appropriate approach.

Impact: Decisions and actions primarily impact own work with limited impact on peers in their area, contributes as team member rather than leader.

Interaction/Supervision: Acts as a mentor/guide to less experienced professional contributor staff in a similar role; works independently and only under general direction; guided by professional standards, desired outcomes, and project plan specifications.

Requirements

• Work is primarily sedentary; mobility in an office setting.
• Frequent use of computer keyboard and mouse.
• Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation.
• Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
• Office environment - moderate noise, no substantial exposure to adverse environmental conditions.
• Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow.
• This role requires effective adaptation to workplace stressors, including customer service complaints, security responsibilities, and competing priorities.
• Must be able to adhere to process protocol. Must be able to apply established protocols in a timely manner.
• Work is primarily performed during the business week, Monday - Friday.

• Bachelor’s Degree directly related to the position or equivalent, required.
• Bachelor’s Degree in mortgage default and bankruptcy servicing, programming/system analysis, business process or project management.
• Minimum of eight years total relevant experience in Business or Mortgage Banking related role(s).
• Professional Certification in Project Management.
• Analytical skills and a demonstrated talent for scrutinizing complex work processes and streamlining them for increased output; ability to abstract up from low-level information to a more general understanding.
• Modeling skills necessary to represent requirements information in graphical forms.
• Experienced in Power BI, data modeling, table relationships and Data Analysis Expressions (DAX).
• Able to manage multiple tasks and prioritize workload effectively.
• Adaptable and able to adjust to changing business requirements, technologies, and project scope.
• Proficient in critical thinking and creativity to come up with effective solutions.
• Strong understanding of technology, including software development methodologies, databases, and programming languages.
• Proficient in handling large datasets and statistical analysis and spotting trends or anomalies in the data.
• Experience in process improvements and business systems analysis preferred within default, bankruptcy and REO.
• Expert-level knowledge of conventional and government mortgage loan documents, including overall processes and inter-relationships, standards and requirements, terminology, compliance and regulatory requirements related to federal debt collection laws, Federal Bankruptcy Laws, and proper handling of other legal situations.
• Knowledge of Standard Operating Procedures, CFPB, FCRA and FDCPA requirement preferred.
• Excellent verbal and written communication required; able to effectively manage communication with multiple stakeholders.
• Demonstrated ability to interview subjects, facilitate group discussions, gather information, and report on results.
• Strong proficiency with Microsoft Office, Excel Google docs, collaborative cloud-based programs, and third-party software applications required.
• Ability to handle aggressive deadlines, set appropriate expectations and juggle multiple responsibilities.
• Self-motivated, with the ability to work independently and lead projects with a strong attention to detail.
• Excellent verbal and written communication skills required.
• Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required.
• Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required.
• Commitment to company values.
• Customer Service - Proactive attention to each person.
• Integrity - Do and say what’s right.
• Respect - Treat others with dignity.
• Collaboration - Listen and work together.
• Learning - Seek knowledge and strive for improvement.
• Excellence - Deliver the unexpected.

This role is an exempt position with a targeted salary range of $82,000 to $100,000 annually., Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the homeowner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.