3 June 2026
Writing exception memos credit committees will actually finish
Shorter memoranda with cited pages outperform decorative dashboards when reporting a financial audit of loan origination applications.
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Practical notes on sampling, affordability evidence, and exception writing for teams that commission a financial audit of loan origination applications.
Short articles for credit, risk, and internal audit readers. No generic productivity essays—only topics that show up inside loan files.
28 April 2026
Reading income evidence without rewriting the underwriting call
File testers should test whether income proofs support the affordability worksheet—not substitute their own credit appetite.
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12 March 2026
How to size a sample for loan origination file audits
A practical way to choose sample size when commissioning a financial audit of loan origination applications without pretending one number fits every book.
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