Loan File Review

We verify whether financial calculations—such as income, financial obligations, and collateral assessments—comply with the underwriting criteria at the time of origination. This process includes cross-checking figures against supporting documents, such as employer statements and salary slips, to ensure accuracy and consistency.

We check whether credit decisions are properly documented and supported by clear rationale, ensuring compliance with regulatory requirements and internal policies.

We check whether all required and appropriate processes have been followed to prevent financial crimes including KYC, AML and fraud.

We verify whether the offered interest rate is accurate and if the offer has been properly accepted within the required timelines. Additionally, we assess whether the wording of the binding offer is correct and compliant, ensuring it has been properly accepted within the required timelines.

We check if all required documents are correctly archived, making sure that loan files are complete and easily retrievable for audits or regulatory reviews.

We assess whether the data has been correctly entered into the lender’s system, ensuring consistency between documented information and recorded details.

We verify that the data tape, which reflects information from the lender’s or servicer’s system, accurately represents the underlying loan details, mitigating the risk of discrepancies.