Engagement
Loan origination file audit
A structured financial audit of loan origination applications covering identity, income, affordability, collateral, and decision trail against your credit policy.
Who it is for
Credit managers, internal auditors, and compliance leads at banks and non-bank lenders who need an independent financial audit of loan origination applications—especially after product launches, portfolio growth, or a supervisory request for control evidence.
Result you receive
A signed engagement memorandum that classifies exceptions by severity, maps them to policy clauses, and lists remediation owners. You also receive a sample inventory so the credit committee can see which files were read and why.
Scope included
- Sample design for new originations, top-ups, or a defined product line
- File testing of identity documents, income proofs, affordability worksheets, collateral notes, and approval authorities
- Comparison of the decision trail to the credit policy version in force at origination
- Exception log with supporting page references from the application pack
- Closing discussion with your credit or audit sponsor in Bangkok or by video
Scope excluded
- Full statutory external audit of financial statements
- Valuation surveys of collateral assets
- Legal opinions on enforceability of contracts
- Redesign of your core lending systems or credit scorecards
Provider and delivery
Reviews are led by a senior loan-file reviewer from Dev Cache Grid, supported by one or two file testers depending on volume. Work can be performed in your file room near Sukhumvit or through a secure document room you host.
Process and timeline
- Scoping call (about 45 minutes): product type, monthly volume, and the control question.
- Sample agreement: frame, period, and checklist depth confirmed in writing.
- Fieldwork: file reading and exception drafting, typically over two to four weeks.
- Memorandum and walkthrough: findings presented to the sponsor before wider circulation.
Preparation we ask of you
Access to the credit policy in force during the sample period, a listing of originations for that window, and a single contact who can clarify product rules. Redacted files are acceptable when privacy rules require it.
Pricing basis
Quoted per engagement from the number of files and checklist depth. Indicative ranges appear on the fees page. A written estimate follows the scoping call; no subscription is required.
Next step
Request an audit scoping call and include the product line plus an approximate monthly origination count.