Bank Statutory Audit
Statutory central and branch audit for public sector, private and co-operative banks.
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Banking & Financial Services
Loan & Credit File Verification
Pre- and post-disbursement verification of credit files, security documentation, end-use and compliance with sanction terms.
Overview
A loan is only as good as its file. Security that was never perfected, a sanction condition waived without authority, an end-use never verified - none of these show up in the portfolio numbers until recovery is attempted and the documentation has to hold. Verification catches the gap while it can still be cured.
What this covers
How we help
Pre-disbursement verification
Sanction conditions, documentation completeness and authority before funds move.
Security and charge documentation
Execution, stamping, registration and perfection of security interests.
End-use verification
Whether funds were applied to the purpose sanctioned.
Post-disbursement monitoring
Covenant compliance, insurance, valuation currency and periodic review.
Credit appraisal review
Whether the appraisal supports the exposure actually taken.
Deviation and waiver review
Whether deviations were approved at the right level and recorded.
Related
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Concurrent Audit
Continuous branch-level audit that catches an exception in the month it happens, not in the year it is reported.
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Revenue, Inspection & Treasury Audit
Revenue leakage, branch inspection, currency chest and treasury operations audit.
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Talk to us about loan & credit file verification
A short conversation is usually enough to establish whether this is the right route, and what it would involve.