Application completeness
Missing KYC items, unsigned declarations, and stale employment proofs are logged against the product checklist that governed the file at booking.
Connected Infrastructure
File-by-file audit of loan origination applications
We examine credit files, borrower evidence, and underwriting decisions so lenders in Thailand can see where policy held, where it slipped, and what to remediate before the next review cycle.
What we examine in an origination file
Each engagement follows the credit policy you actually use — not a generic checklist. Reviewers walk income evidence, collateral notes, exception memos, and approval trails the way an internal auditor or regulator would on a sample pull.
Underwriting judgment
We test whether the stated debt service, risk grade, and exception approvals match the numbers and narrative in the credit memorandum.
Policy adherence
Findings sit beside the clause they breach, with severity and a practical remediation note for credit and operations teams.
Engagements you can request
Independent financial audit work focused on loan origination applications — scoped to sample size, product line, and reporting depth.
Loan origination file audit
A structured financial audit of booked loan origination applications, testing completeness, underwriting logic, and policy adherence on a defined sample.
Engagement details
Underwriting file review
A targeted review of credit memoranda and exception approvals to test whether underwriting judgment matches the evidence in the origination file.
Engagement details
Credit policy compliance check
Walk selected origination files against your credit policy clauses to surface systematic gaps before an internal audit or regulator visit.
Engagement detailsHow lenders use our findings
Credit committees use the report to calibrate exception thresholds. Internal audit teams use the sampling workpapers as a second pair of eyes before a regulatory visit. Operations managers use the defect themes to redesign checklist steps that keep failing.
Read client stories“They caught three recurring gaps in our SME unsecured stack that our monthly QC had been scoring as clean. The write-up named the exact policy line — that made the fix straightforward.”
N. Suthipong, Head of Credit Quality, Bangkok retail lender
Ready to scope a sample of origination files?
Tell us the product lines, period under review, and whether you need a formal opinion letter or a management findings pack.
Request an engagement