Ty Bridges
Wheatley Heights,NY
Summary
Dynamic Business Analyst with proven expertise at US Mortgage Corporation in requirements gathering and stakeholder management. Successfully facilitated risk assessment meetings, enhancing project outcomes. Adept at utilizing ServiceNow for documentation management, ensuring timely resolution of issues. Recognized for implementing effective solutions that streamlined processes and improved team performance.
Overview
24
24
years of professional experience
Work History
Business Analyst / Jr. PMO
US Mortgage Corporation
09.2023 - 02.2025
- Served as a BA for Level 3 support team; troubleshooting issues and providing solutions for technical questions
- Provided technical insight for supply chain management, coordination and execution
- Arranged risks and issues meetings with relevant product owners to identify testing related defects and formulated plans to mitigate them
- Facilitated stakeholder sign-offs and guided the team throughout the testing life cycle
- Implemented solutions development based on software system principles as best practices for the support team
- Reviewed and tracked, change and service requests within Service Now to resolve reported bugs and issues
Business Support Analyst
Wellcare (TAIG)
03.2022 - 12.2023
- BA/PMO support for WellCare to implement a new system that will replace their existing Active Directory
- Supported PM in the execution of the broader recruitment strategy with a focus on application onboarding
- Built relationships with key stakeholders to gather inputs and develop objectives, project scope and deliverables
- Facilitated meetings and requirements gathering sessions
- Created detailed Business Requirements Documents and Functional Requirements Documents (e.g
- Business
Risk Compliance Analyst
FirstSource
03.2020 - 03.2022
- Demonstrated subject matter expertise in compliance testing and working knowledge of applicable consumer compliance and Anti-Money Laundering/Bank Secrecy Act (AML/BSA) regulations and laws, industry trends, emerging issues, and related banking products and ability to understand its applicability to risk management strategies including the scoping of risk evaluations, monitoring, and design of testing plans
- Developed a sustainable process to ensure effective coverage for the various Technology teams, including representation and participation in key forums (IT Policies, Standards, and Procedures)
- Developed methodology and documented processes/process flows to ensure proper identification, capture, and syndication of privacy including tracking/reporting on open risks, actions, and remediation plans that provide transparency into key risks
- Partner with the Compliance and Control officers to report on the results of various risk assessment processes designed to control Privacy Risk or other controls that are connected to data protection & privacy risks
- Ensure that local and regional privacy requirements are satisfied while driving towards consistent, rationalized processes
- Monitored effectiveness of, and implemented improvements to, processes for capturing and actioning customer privacy preferences and choices
- Designed and implemented an approach to ensure that Data Protection and Privacy requirements are considered throughout the lifecycle of technology, product, service, and change management functions
Senior Mortgage Loan Originator / Underwriter
Suffolk Federal Credit Union
11.2018 - 11.2019
- Accepted role of leadership and strategic guidance for financial loan processes
- Acted as knowledgeable mortgage loan officer in support of multiple branch offices
- Originated and underwrote mortgage loans and established procedures to achieve loan origination business objectives at an absolute minimum level of financial risk
- Consult and communicate with borrowers regarding the full lifecycle of mortgage loan issues
- Oversee communications strategy for clear conveyance of mortgage banking concepts
- Review marking material to ensure compliance with all state and federal laws and maintain historical log of approved materials
- Responsibilities may include verifying practices against policies, preparing management reports, counseling business personnel on compliance with policies and providing advice to entry-level employees
Senior Mortgage Underwriter
Intercontinental Capital Group
11.2017 - 11.2018
- Mortgage Loan Production Underwriter with $1,500,000 signing authority
- Performed intricate review of loan documents, corporate and personal tax returns
- Profit and loss balance sheet property title, appraisals, power of attorney, trust documentation, real estate contracts to verify accuracy, authenticity, and compliance
- Assist Director of Lending with maintaining compliance knowledge and adhering to regulatory standards
- Performs research, analyzes relevant compliance-related information, and makes recommendations on necessary procedural/control changes on more complex compliance matters
- Gather and review mortgage loan documentation related to internal audit or external regulatory examination requests
Mortgage Consultant
New Penn Financial
05.2016 - 09.2016
- Provide potential borrowers with home loans
- Obtain credit history and worthiness for accuracy
- Manage multiple accounts of timely closings
Processor
Citizens Bank (contract)
02.2016 - 04.2016
- Ordered credit reports, appraisals and sent out verification forms
- Submitted loan packages and scheduled closings with attorneys
- Examined loan files for completeness and cleared all conditions
Commercial Loan OPS
Capital One Bank (Contract)
10.2015 - 12.2015
- Summarize payments and pay outstanding liens
- Maintain accounts for accuracy and completeness according to investor guidelines
Mortgage Analyst(NMLS#:1231375)
Reliance First Capital
11.2014 - 09.2015
- Analyze applications financial status, credit to determine granting loans
- Obtain borrowers, credit history, corporate financial statements
- Met with applicants to obtain information for loan applications and answer questions about the process
Life Insurance Agent
National Income Life
09.2013 - 11.2014
- Customize insurance progress to suit individual customers
- Explain features, advantages, and disadvantages of various policies to promote sales
Underwriter
Pyramid Consulting Group (contract)
04.2013 - 09.2013
- Reviewed assigned credit application and make judgmental decisions within authorized lending
- Authority to approve/decline or counteroffer
- Re-underwrite files, analyze loan applications, credit bureau reports, collateral evaluation, member account data, financial statements, tax returns and other loan documentation
- Accurately recorded data with LP and DU underwriting
- Responsible for deep dive examinations of loan documents for accuracy and completeness
Senior Compliance Auditor
Bank of America/Disys (contract)
09.2011 - 01.2013
- ILQA for FHA and MHA loans, and audit approvals as well as declines, and VOI files
- Examined FNMA/FHLMC mortgages in compliance with all regulatory, mortgage insurance and investor guidelines
- Performed compliance reviews on TIL Disclosures, RESPA, 3 day right of recession, Hud-1, Section 32 and Disclosures requirement
- Investigated red flags, alleged misrepresentation, alleged fraudulent findings, signature irregularities, missing or incomplete documentation which potentially affects the salability of the loan
- Provided analytical decisions regarding FDIC/FRB banking regulations (BSA/AML, OFAC, and SAR)
Underwriter
Franklin First Financial
01.2008 - 04.2011
- Responsible for approval/decline or counteroffer of residential conventional (FNMA/FHLMC) mortgages in compliance with all regulatory, mortgage insurance and investor guidelines
- Performed risk analysis and forensic review of client’s mortgage loan files
- Made appropriate and intelligent decisions regarding deficiencies identified during review
- Identified transaction components that indicated potential fraud within loan documents
- Accurately recorded data with LP and DU underwriting
- Handled additional related duties assigned, as required by the Director of Lending
Underwriter
America’s Money Line
12.2002 - 12.2007
- Thorough understanding of underwriting policies and procedures, as well as investor guidelines and regulatory updates including knowledge of FHA, VA, FNMA, and FMLMC guidelines and standards
- Reviewed assigned credit application and made judgmental decisions within authorized lending authority to approve/decline or counteroffer
- Analyzed loan applications, credit bureau reports, collateral evaluation, member account data, financial statements, tax returns and other loan documentation
- Performed risk analysis and identified transactions that indicate the potential of fraud
Loan Processor
Novastar Mortgage
09.2000 - 11.2002
- Processed 40-50 Conventional/FHA/VA loans monthly
- Working knowledge of FHLMC, FNMA and running DU/DO and LP
- Manually calculated DTI, LTV and CLTV
- Ordered credit reports, appraisals and sent out verification forms
- Conducted regular follow-ups with outside sources for outstanding documents
- Primary contact liaison for all parties involved in loan transactions
- Examined loan files for completeness/compliance and cleared all conditions
- Submitted loan packages to lenders and scheduled closing with attorneys
Education
AAS - Business Administration
Suffolk Community College
01.1997
Bachelors -
Walden University
Florida Atlantic University
Skills
- Requirements gathering
- Business analysis
- Stakeholder management
- Documentation management
- Risk assessment
- ServiceNow
Timeline
Business Analyst / Jr. PMO
US Mortgage Corporation
09.2023 - 02.2025
Business Support Analyst
Wellcare (TAIG)
03.2022 - 12.2023
Risk Compliance Analyst
FirstSource
03.2020 - 03.2022
Senior Mortgage Loan Originator / Underwriter
Suffolk Federal Credit Union
11.2018 - 11.2019
Senior Mortgage Underwriter
Intercontinental Capital Group
11.2017 - 11.2018
Mortgage Consultant
New Penn Financial
05.2016 - 09.2016
Processor
Citizens Bank (contract)
02.2016 - 04.2016
Commercial Loan OPS
Capital One Bank (Contract)
10.2015 - 12.2015
Mortgage Analyst(NMLS#:1231375)
Reliance First Capital
11.2014 - 09.2015
Life Insurance Agent
National Income Life
09.2013 - 11.2014
Underwriter
Pyramid Consulting Group (contract)
04.2013 - 09.2013
Senior Compliance Auditor
Bank of America/Disys (contract)
09.2011 - 01.2013
Underwriter
Franklin First Financial
01.2008 - 04.2011
Underwriter
America’s Money Line
12.2002 - 12.2007
Loan Processor
Novastar Mortgage
09.2000 - 11.2002
AAS - Business Administration
Suffolk Community College
Bachelors -
Walden University
Florida Atlantic University
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