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
Loan Documentation & Compliance Checks
FHA Guidelines
VA Guidelines
USDA Guidelines
Conventional Guidelines
Loan Quality & Risk Identification
TRID Knowledge
RESPA Knowledge
HMDA Knowledge
Light Reporting & Data Tracking
Process Support
Ad-hoc Projects
Team Collaboration
Communication
Loan Origination Systems
Encompass
Calyx Point
Empower
MS Excel
basic formulas
filters
PivotTables
SharePoint
MS Teams
Pre-Purchase File Review
Quality Control
Loan Documentation
Compliance Audit
TILA Analysis
Loan Quality Reporting
basic dashboards
Process Improvement
Risk Identification
Escalation
Collaboration
Training
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