Underwriting file review
A targeted review of credit memoranda and exception approvals to test whether underwriting judgment matches the evidence in the origination file.
From THB 95,000 per engagement
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When this engagement fits
Use this when you already know application completeness is largely sound, but you want a sharper look at underwriting judgment — debt service, risk grades, overrides, and the narrative that justified approval.
What we test
- Consistency between stated income, verified documents, and the credit memo
- Exception memos against the authority matrix
- Collateral valuation notes versus policy triggers for further appraisal
- Conditions precedent listed at approval versus evidence of clearance before drawdown
Deliverable
A concise findings pack with file-level annotations and a short management summary of judgment themes. Suitable as input to credit committee calibration or a pre-regulatory self-assessment.
Pricing
From THB 95,000 for a single-product sample of roughly 15–25 files. Mixed retail and SME books are quoted after we see the booking extract.