|
|
LOAN REVIEW & DUE DILIGENCE
Loan Underwriting
Whether you require detailed insight into a loan’s credit quality at origination or in its current state (or potential future), Clayton can assist in determining layered credit risk, a borrower’s ability to perform, or assess a loans compliance with original lending criteria, procedure and guidelines.
A Clayton Credit review can be performed in conjunction with other review scopes such as a Re-underwrite, NPL, regulatory Compliance review, Legal Document review, or Delinquent Servicing review, or can be performed independently. Clayton will review and assess the credit quality of each loan by re-underwriting it to any number of guidelines (e.g. originator’s, buyer's, general accepted market practice 'best practice', etc.), with re-calculation of income, LTV, and debt ratios and can incorporate updated credit information as available.
Review Components
Customisable Review Systems
Clayton can customise its standard credit review components to meet your specific loan review needs, including for:
- Loan Application
- Property Valuation
- Mortgage Insurance
- Income & Asset
- Original or Updated Credit/Debt History
- Payment Credit History
Reporting
Exception Tracking
Clayton has developed standardised codes to allow our clients to assess risk at both the loan level and across an entire portfolio. This exception tracking system combined with commentary from our expert underwriting staff gives our clients a credit risk assessment unparalleled in the industry. Additionally, when Clayton is engaged for numerous reviews of a similar nature, exception/result trend reporting is available.
| |
|
