Jason Guthro
Auburn Hills,MI
Summary
Result-driven Business Analyst with over 15 years of experience in Retail Banking, Single Family Mortgage, Consumer, and Commercial Credit Card industries. Proven track record in requirements elicitation, data, and workflow analysis, contributing to enhanced operational performance and informed decision-making. Adept at translating complex business needs into actionable insights, driving successful project outcomes. Strong analytical and communication skills, with a keen ability to collaborate across technical and non-technical teams for optimal project execution.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Product Analyst
Insight Global (Contract Wells Fargo)
Wilmington , DE
2022.03 - 2023.07
- Replacement of legacy processes and workflow with microservices that greatly increase efficiencies when setting up or maintaining a Small Business Account (SBA) at a significant cost reduction.
- Definition of new operations reporting structure for SBA that allows for increased speed of customer issue resolution.
- Facilitating event storming sessions to provide all lines of business with a clear understanding of the current state process (AS-IS) to identify opportunities for improvement. This exercise resulted in the creation of extensive workflows and process maps for individual tasks within the workflows.
- Performing scrum master tasks when needed.
- Definition of a new sign-off process for all calling channels impacted by service changes.
- Maintained a library of model documents, templates, or other reusable knowledge assets.
Senior Business Analyst
Flagship Credit Acceptance
Chadds Ford , PA
2020.03 - 2022.02
- Analysis and remediation of existing and creation of new Laserfiche workflows to allow greater automation for customer documentation retention within our Document Management System.
- Onboarding of new business partners through workshops, analysis of potential business partner data, and existing business partner integration.
- Working closely with treasury to support bulk loan sales through a new business partner program to increase revenue.
- Providing support for legal to ensure guardrails were current.
Senior Business Analyst
The Judge Group (Contract JPMC)
Wilmington , DE
2018.05 - 2019.01
- Analysis of existing Loan Origination System (LOS) to identify areas where TILA RESPA Integrated Disclosure (TRID) fee tolerances were not being enforced so that these adjustments could be automated. The result was a significant cost saving per file resulting from eliminating scenarios where fees would need to be cured before close as well as eliminating the need for worst-case pricing upfront.
- Enhancements to the existing Underwriting screens to ensure fee and pricing adjustments were communicated timely and correctly.
- Coordinating end-to-end testing involving all parties to the loan process to ensure the new process's accuracy before sunsetting the existing process.
- Creation of real-world pricing change scenarios for review by department leads and managers.
Senior Business Analyst
Freedom Mortgage Corporation
Cherry Hill , NJ
2016.12 - 2018.04
- Responsible for system integration activities between two Loan Origination Systems (LOS) in support of our Traditional Retail Channel.
- System administration for Encompass 360 LOS.
- Conducting Analysis of 700+ pieces of insert logic, 500+ tracking items/conditions, and the definition of 60 new tracking items/conditions with 100+ pieces of insert logic to increase file efficiencies (time-to-process) for processors and Underwriters.
- Lead analyst for HMDA 2018 compliance project.
- Responsible for vendor management activities regarding Ellie Mae and our system integrator.
- Creating extensive data mapping documentation for migration to a new mortgage portfolio system of record to consolidate mortgage-related activities into one system that would provide a single source of truth and reduction of software licensing costs.
Senior Business Analyst
Solomon Edwards (Contract Pentagon Federal)
Alexandria , VA
2016.07 - 2016.10
- Facilitating on-site discovery sessions to gather requirements (functional & non-functional) and critical weighting to allow the creation of an RFP for possible vendors.
- Met one-on-one with power users to identify additional pain points to ensure the RFP was aligned with end-users expectations of the new system.
- Engagement with potential vendors and acting as their single point of contact.
Senior Business Analyst
TSR Consulting (Contract Morgan Stanley)
New York , NY
2015.05 - 2016.10
- Conducting GAP analysis of CCAR reporting that is submitted to the OCC.
- Standardization of our file formats used by our business partner to MISMO 3.1 to allow for a seamless and less costly transition from one business partner to the next.
- Writing SQL queries in SQL serve and Sybase to identify gaps in our data collection that would prevent standardization of data files.
Senior Business Systems Analyst
Tavant Technologies (Contract DRB Lending)
New York , NY
2016.01 - 2016.06
- Design of new POS screen to support "Gamification" and provide a customer portal for lead generation within the Loan Origination System (LOS).
- Analysis to support integration with third-party service providers ( Core Logic Fraud Guard, Fannie Mae AUS, and Freddie Mac LP).
- Product guideline research to ensure that the POS screen is collecting accurate and complete information for lead generation.
Senior Data Quality Analyst
Colabera (Contract JPMC)
Jersey City , NJ
2014.03 - 2015.04
- Worked closely with Directors, Data Stewards, and LOB when conducting root cause analysis to present tactical and strategic remediating recommendations.
- Leveraging industry and product knowledge to quickly find the root cause of data quality issues.
- Acting as an SME for IT Servicing Mortgage Banking.
- Writing of extensive SQL queries when conducting data quality analysis.
- Remediation of edit check used to populate the CCAR FRY 14m from the servicing data mart to provide accurate reporting to the OCC and avoid significant penalties.
Senior Business Analyst
Arrow Strategies (Contract Palace Sports)
Auburn Hills , MI
2013.08 - 2013.10
- Supporting month-end audits by Merchandise and Food & Beverage to ensure Hyperion reporting is accurately reporting revenue to the NBA to avoid loss of reputation and penalties from the owners association.
- Created a software and end-user inventory to track software licenses and costs.
- Responsible for vendor management activities with Hyperion (HFM).
- Point of contact for issues arising from after-event data submission to MS Dynamics.
Senior Business Analyst
Flag Star Bank
Troy , MI
2010.10 - 2013.08
ColaberaTavantChadds
- Supporting the Streamlined Account Opening project to implement Salesforce as a web-based front-end to aggregate banking data so that a holistic view of a customer's portfolio can be provided to the account servicing representative. This allows for cross-selling opportunities that will increase market capitalization and customer retention.
- Lead analyst on compliance projects related to RESPA 2010, Dodd-Frank (LO compensation), and Personal Identifiable Information (PII) cleanup in our lower environments mandated by the OCC.
- Lead Analyst on PILE projects, supporting mortgage operations.
- Level 3 production support for LOS issues related to our broker and correspondent partners to demonstrate our commitment to them and ensure those revenue streams are maintained.
- Facilitating group design sessions with our development team to ensure our requirements are sound for both of our origination environments.
- Training of recently onboarded analysts.
Market/Business Analyst
Rechargeable Battery Service
San Francisco , CA
2008.05 - 2010.01
- Conducting market analysis to determine market saturation and viability of startup.
Business Analyst
Modis
Chicago , IL
2006.10 - 2008.05
- Documenting of current HR process to highlight areas for improvement for Onboarding, Career Pathing, Succession Planning, and eLearning.
- Establishment of a Business Analyst Center of Excellence and a peer review process for the analyst team.
- Alignment of in-house SDLC (PMO) with gated funding criteria set forth by the Resource Allocation Committee.
- Implementing a daily reporting process to upper-level management to provide updates on data cleansing progress.
- Creating and Maintaining vendor scorecards to support vendor selection.
- Analysis and definition of User Classes and feature Access need to support Loan Prospector (LP) workflow to ensure separation of duties.
Education
Bachelor of Science - Information Technology Management
Lawrence Technological University
Southfield, MIMaster of Science - Data Analytics & Business Intelligence
Lawrence Technological University
Southfield, MISkills
- Data Analysis
- SQL
- Requirement Elicitation
- Data Mapping
- Technical Documentation
- Quality Assurance
- Gap Analysis
- Workflow Analysis
- Operations Analysis
- Loan Origination Systems
- Core Banking
- Mortgage
- Credit Card
Certification
- Certified Scrum Master
Timeline
Product Analyst
Insight Global (Contract Wells Fargo)
2022.03 - 2023.07
Senior Business Analyst
Flagship Credit Acceptance
2020.03 - 2022.02
Senior Business Analyst
The Judge Group (Contract JPMC)
2018.05 - 2019.01
Senior Business Analyst
Freedom Mortgage Corporation
2016.12 - 2018.04
Senior Business Analyst
Solomon Edwards (Contract Pentagon Federal)
2016.07 - 2016.10
Senior Business Systems Analyst
Tavant Technologies (Contract DRB Lending)
2016.01 - 2016.06
Senior Business Analyst
TSR Consulting (Contract Morgan Stanley)
2015.05 - 2016.10
Senior Data Quality Analyst
Colabera (Contract JPMC)
2014.03 - 2015.04
Senior Business Analyst
Arrow Strategies (Contract Palace Sports)
2013.08 - 2013.10
Senior Business Analyst
Flag Star Bank
2010.10 - 2013.08
Market/Business Analyst
Rechargeable Battery Service
2008.05 - 2010.01
Business Analyst
Modis
2006.10 - 2008.05
Bachelor of Science - Information Technology Management
Lawrence Technological University
Master of Science - Data Analytics & Business Intelligence
Lawrence Technological University
- Certified Scrum Master
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