Job Description
Senior Business Analyst - Mortgage/Property valuation
Banking & Financial Services
Location: Irving, Texas
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The Role
We are seeking a passionate, high energy Senior Business Analyst who thrives in a collaborative environment and is eager to craft relevant solutions through true collaboration. We value autonomy, adaptability, and the ability to navigate change.
Responsibilities
Lead requirement elicitation sessions with business stakeholders, product owners, and technical teams.
Analyze and document current and future state workflows for property valuation, order management, reconciliation, and audit.
Develop Business Requirement Documents (BRD), User Stories, Process Flows, Wireframes, and Data Mapping Documents.
Work with stakeholders to integrate data sources and define SLAs and success criteria.
Collaborate with technical teams to support integration design (API specifications, file feeds, triggers).
Drive UAT planning and execution including creation of test scenarios, coordination with QA teams, and business sign‑off.
Act as liaison between business users and engineering teams to resolve clarifications and change requests.
Support product roadmap development and backlog grooming sessions in an Agile/Scrum environment.
Ensure regulatory and investor requirements (e.g., FNMA, FHLMC, FHA) related to valuations are accurately captured and addressed.
Qualifications
Strong understanding of mortgage lifecycle, especially collateral valuation in origination and servicing.
Experience with valuation products: BPO, full appraisal, hybrid appraisal, etc.
Familiarity with valuation compliance vis‑à‑vis FHA/VA/USDA guidelines and appraisal independence regulations.
Awareness of latest market and technology trends in valuations such as automated collateral evaluation (ACE) and risk‑based valuation strategies.
Proficient in eliciting, analysing, and documenting functional and non‑functional requirements.
Experience with process modelling (as‑is / to‑be) and designing workflow improvements using tools like Visio or Lucidchart.
Experience in creating Business Requirements Document (BRD) and Functional Requirements Document (FRD).
Ability to write clear user stories, acceptance criteria and manage product backlog in agile environments.
Skilled in data mapping, translating business rules into logic for validations and calculations.
Strong stakeholder management and communication skills across business and technical audiences.
Tools & Technologies
Hand‑on experience with JIRA, Confluence and Agile project‑management tools.
Proficient in Visio, Lucidchart or similar process‑flow creation tools.
Advanced skills in Excel, including pivot tables, lookups and data validation.
Familiarity with API specifications.
Exposure to mortgage platforms is a plus.
Soft Skills
Excellent verbal and written communication skills to effectively interact with stakeholders at all levels.
Developing innovative solutions to business challenges.
Analysing situations and making data‑driven decisions.
Building strong relationships with team members and stakeholders.
Managing timelines, resources and deliverables.
Work Authorization
Cognizant will only consider applicants for this position who are legally authorized to work in the US without requiring employer sponsorship, now or at any time in the future.
Working arrangements
We believe hybrid work is the way forward. Based on this role’s business requirements, this is a hybrid position requiring 2–3 days a week in a client or Cognizant office. Regardless of your working arrangement, we are here to support a healthy work‑life balance through our wellbeing programs.
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Job Tags
Work at office, 2 days per week, 3 days per week,