Lydia Diane Miller

Seasoned Business Analyst offering 30+ years of Financial Services success in Banking and Mortgage Industry. Expert on business and systems requirements, user acceptance testing and end-user training. Accomplished at leveraging past lessons to inform future decision-making. Experienced in collaboration in meeting needs, improving processes and exceeding requirements in team environments. Diligent worker with strong communication and task prioritization skills. Demonstrate strong skills in Problem Solving, Credit Risk Analysis, Project Management, Closed Loan Documentation and Investor Data Delivery services, Training, Regulatory Compliance promoting quality, data integrity and excellence within the financial industry.

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• Facilitated and participated in business joint application development sessions working with business, change management and technical partners on process design solutions for mortgage systems Supported CRE mortgage technology channels (Secondary Marketing, Retail/LoanLine Sales and Fulfillment, Wholesale Fulfillment, CRE LoanSolutions, Compliance, Credit Risk, Post Closing, Loan Delivery, Correspondent Lending) Supported mortgage fulfillment processes: processing, underwriting, closing, funding, audit, new loan setup, trailing documents, government insurance, post-closing, and loan delivery audits Gathered and assisted in writing of business requirement specifications for system functional re-design Created functional design documentation translating business requirements into high level design Collaborated with technical team partners on build out of technical solutions for multiple mortgage applications in low level design Collaborated with developers in complete re-write of mapping data from POS to LOS with data for conventional and governmental single-family residential loans Collaborated with developer on testing and debugging of GSE interface update from FNMA Desktop Originator/ Desktop Underwriter to LOS for Wholesale channel Functioned as lead system liaison with technical team creating export/import functionality between the LockPoint Xtra web and desktop applications for Secondary Marketing and Correspondent Lending Created and assisted with creation of current and target environment process mapping for projects Applied firsthand experience with testing of small, medium, and large mortgage system initiatives Coordinated, facilitated, and assisted UAT testers with user acceptance testing for all assigned projects Completed Component integration testing and de-bugging of system issues for all process flows from registration, pricing engine, credit server, processing, underwriting, closing, funding, audit, post-closing audit with release to servicing Completed end-to-end system integration testing for origination to servicing applications Created test plans, test specifications and test loans utilizing SSP documentation standards (SIT and UAT) Created defect tracking logs and test scripts in TestDirector web-based application Completed analysis of system defects to determine criticality of issues and provided feedback to technical and testing partners on findings with recommended systemic resolutions Worked with and mentored Business Analysts in understanding initiatives and system functional requirements for other systems Collaborated with other QA Test Analysts from test team for joint testing efforts for projects Worked with LOS System Liaisons and Correspondent associates in application support Completed coordination responsibilities and facilitated monthly or quarterly system releases Supported “on-the-job” (OJT) training requirements for Correspondent Lending mortgage underwriters Supported classroom training requirements for Dallas loan process center training Account Executives, Loan Processors, Underwriters, Closers, Auditors and Post Closing Auditors as well as Construction Lending and Quality Assurance groups Facilitated mortgage specific training classes including Basics of FHA Lending, Basics of VA Lending, Mortgage Servicing Process, systems data entry and other mortgage product specific training as requested by the business partner Developed mortgage training materials for both OJT and classroom training for all mortgage associates Facilitated soft skills training (Presentation Skills, Facilitation Skills, Team Building and Total Performance Training) for all associates Senior underwriter supporting retail and correspondent loan production meeting productivity goals as required Cleared multiple loan conditions pre- and post- closing documentation daily Maintained business relationships with assigned correspondent lenders Provided full time support in underwriting credit and collateral appraisals applying bank, FNMA, FHLMC, FHA, VA and private investor product knowledge creating quality loans meeting secondary marketing standards Underwriter Trainer of new hire underwriting staff and Team Lead of Delegated Underwriting team Primary focus is mortgage residential lending and business systems analysis.

• FHA CHUMS ID G019 - Credit and Underwriting for 1-4 unit residential properties