Summary
Overview
Work History
Education
Skills
Key Projects Contributions
Timeline
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Andalib Sabir Ali Khanche

Navi Mumbai

Summary

Mortgage Pre-Purchase & Compliance Reviewer with 7 years of progressive experience in U.S. residential mortgage operations. Skilled in validating income, assets, credit, collateral, and disclosures to ensure adherence to FHA, VA, USDA, Fannie Mae, Freddie Mac, and investor guidelines. Adept at TRID/TILA-RESPA compliance checks, reporting loan quality trends, and partnering on workflow enhancement projects to improve efficiency and accuracy.

Overview

9
9
years of professional experience

Work History

Senior Pre-Purchase & Compliance Reviewer

Ocwen Financial Corporation
04.2020 - Current
  • Review mortgage files pre-purchase, validating income, assets, credit, collateral, and disclosures against AUS and agency requirements.
  • Ensure completeness and accuracy of loan packages, including 1003, Note, Title, Appraisal, Purchase Contract, CD/LE, HUD, VOE, UCDP, insurance, flood certs, and FHA/VA documentation.
  • Conduct TRID/TILA-RESPA tolerance calculations, cite exceptions, and run compliance reports.
  • Enter delivery data and maintain audit trails in LOS (Encompass).
  • Prepare monthly defect summaries to support leadership in tracking recurring issues.
  • Partnered with QC team on a checklist enhancement project that improved clarity of suspense conditions.
  • Recognized with 'Eccentric Performer – Q4 2022.'

Senior Mortgage Pre-Purchase Reviewer

ABC Mortgage Services
06.2018 - Current
  • Review residential mortgage files (conventional, FHA, VA, USDA) for compliance before purchase/funding.
  • Verify income, assets, credit, collateral, and compliance documentation, escalating issues to underwriting as needed.
  • Produced simple monthly defect logs to help supervisors spot recurring issues.
  • Participated in a small process-streamlining project that improved checklist accuracy by 10%.
  • Supported onboarding of two new reviewers, sharing job aids and answering guideline questions.

Credit Analyst / Loan Servicing Specialist

Accenture
04.2017 - 12.2020
  • Pre-underwrote mortgage applications, assessing credit, income, assets, DTI, and LTV for retail and correspondent loans.
  • Reviewed third-party documents (Appraisal, Title, VOE, Flood, HOI, Fraud Guard) to ensure accuracy and mitigate risk.
  • Supported loan servicing: verified taxes/insurance, hazard coverage, PMI, and closing disclosures.
  • Helped create a spreadsheet tracker for quality-check results, streamlining follow-ups.
  • Worked across conventional, non-conventional, fixed-rate, and ARM products.
  • Achieved multiple performance awards, including Star Performer and Extra Mile.

Mortgage Review Analyst

XYZ Home Loans
05.2016 - 05.2018
  • Audited retail mortgage files prior to funding, confirming data accuracy against AUS and investor overlays.
  • Helped maintain a basic spreadsheet tracker for pre-purchase QC results.
  • Assisted with testing a new Loan Origination System release and updating reference materials.

Education

Master of Commerce (M.Com) -

Mumbai University
01.2016

Bachelor of Commerce (B.Com) - Accounts & Finance

Mumbai University
01.2014

Skills

Pre-Purchase Mortgage File Review

Key Projects Contributions

  • Defect Log Simplification, Designed an easy-to-update Excel log to track common pre-purchase findings, improving visibility for management.
  • Checklist & Job Aid Update, Contributed to revising pre-purchase QC checklist and created reference sheets for FHA/conventional updates.
  • Process Gap Review, Partnered with leads to analyze suspense handling, reducing turn-time on escalations.

Timeline

Senior Pre-Purchase & Compliance Reviewer

Ocwen Financial Corporation
04.2020 - Current

Senior Mortgage Pre-Purchase Reviewer

ABC Mortgage Services
06.2018 - Current

Credit Analyst / Loan Servicing Specialist

Accenture
04.2017 - 12.2020

Mortgage Review Analyst

XYZ Home Loans
05.2016 - 05.2018

Bachelor of Commerce (B.Com) - Accounts & Finance

Mumbai University

Master of Commerce (M.Com) -

Mumbai University
Andalib Sabir Ali Khanche