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Pranali Jadhav
Work Preference
Summary
US Mortgage Professional with 9+ years of experience in Mortgage Closing, Pre-Underwriting audit, closing, Post-Closing, and Foreclosure Operations.US Mortgage professional with experience in mortgage servicing, loan closing support, and servicing operations. Experienced in handling servicing QC activities, reviewing mortgage documents, coordinating with attorney firms, and ensuring compliance with HUD and investor guidelines. Skilled in managing multiple queues/ pods, resolving servicing-related queries, and maintaining accuracy and quality standards in US Mortgage processes. Experienced in handling FHA, Conventional, VA, Refinance loans. Familiar with FNMA/ FHLMC and HUD/ FHA guidelines.
Overview
10
10
years of professional experience
Work History
Senior Specialist - Foreclosure
Ocwen Financial solutions
Mumbai
03.2020 - 02.2026
- Managed foreclosure servicing operations and reviewed mortgage servicing documents for compliance with investor and servicing guidelines.
- Performed servicing QC reviews and validated borrower, loan, title, and property information for accuracy and completeness.
- Reviewed title trustee and foreclosure-related documents while coordinating with attorney and trustee firms for issue resolution.
- Worked on loan setup / loan boarding activities including borrower, loan, and property data validation.
- Reviewed mortgage documents including 1003, credit reports, income documents, and property details prior to system onboarding.
- Performed QC on referral loans and identified discrepancies, missing documents, and servicing exceptions.
- Handled reverse mortgage loan processing, compliance checks, and servicing coordination activities.
- Managed multiple servicing queues/pods while maintaining SLA, productivity, and quality targets.
- Supported audit, escalation, and compliance-related activities while ensuring adherence to HUD and investor guidelines.
- Identified and reported borrower death notifications to relevant firms to mitigate servicing risk and financial exposure.
Senior executive
Cognizant Technology Solutions
Navi Mumbai
07.2016 - 03.2020
- Managed end-to-end mortgage closing activities for FHA, Conventional, VA, Purchase, Refinance, Non-QM, and DSCR loans.
- Performed Pre-Underwriting audit by reviewing borrower income, credit, asset, and collateral documents before underwriting submission.
- Compared LE and CD to identify fee variances, tolerance cures, and disclosure discrepancies before final loan approval.
- Validated LE and CD disclosures including lender fees, cash-to-close, prepaid items, and closing costs in compliance with TRID and investor guidelines.
- Conducted 4C analysis including Credit, Capacity, Capital, and Collateral evaluation as per FNMA/FHLMC guidelines.
- Reviewed and validated mortgage documents including Appraisal, HOI, Title, Vesting, Payoff, VOE, VOM, Bank Statements, Tax Documents, LE, and CD.
- Assessed borrower capacity by analyzing W2s, pay stubs, tax returns, self-employed income, and bank statements.
- Reviewed borrower assets, reserves, and funds-to-close documentation to validate capital requirements.
- Analyzed appraisal and collateral documents to ensure property eligibility and valuation compliance.
- Interpreted AUS findings (DU/LP) and ensured underwriting conditions were cleared prior to final approval.
- Reviewed signed closing packages and performed post-closing audits to ensure compliance with investor and client guidelines.
- Calculated escrow shortages, lender credits, cash-to-close, and tolerance cure scenarios.
- Coordinated with underwriting, title, processing, funding, and closing teams to resolve discrepancies and ensure timely loan closing.
- Maintained pipeline, productivity, quality, and turnaround time targets while handling multiple loan files.
Education
Bachelor's - Accounting and Finance
University of Mumbai
Skills
- Mortgage operations
- Regulatory compliance
- Compliance oversight
- Risk evaluation
- Quality assurance
- Document analysis
- Time management
- Multitasking
- Working under pressure
- Teamwork
- Adaptability
- Active Listening
- Interpersonal skills
Accomplishments
- Spot Award, Spot Awards (Multiple): Recognized at Ocwen for consistently exceeding KPIs and handling critical activities under tight deadlines.
- Quarterly Best Performer, Received at Ocwen for maintaining top-tier quality and productivity metrics.
- Fast-Track Promotion, Promoted at Cognizant within 9 months for operational excellence.
Hobbies and Interests
- Listening music
- Dancing
Languages
- Hindi
- Marathi
- English
- Hindi
- Marathi
Appreciations
Received several Appreciation Emails from clients for exceptional services at Ocwen.
Personal Information
Timeline
Senior Specialist - Foreclosure
Ocwen Financial solutions
03.2020 - 02.2026
Senior executive
Cognizant Technology Solutions
07.2016 - 03.2020
Bachelor's - Accounting and Finance
University of Mumbai