Credit application file audit

Our flagship financial audit of credit scoring applications — a structured sample of loan or hire-purchase files with findings tied to policy and evidence gaps.

Who it is for

Credit risk, internal audit, and operations leads at consumer finance companies, hire-purchase providers, and retail bank units who need an independent reading of how credit scoring applications were completed and approved.

Result you receive

A written findings memo that maps each sampled application to evidence completeness, scorecard use, override rationale, and policy alignment — plus a prioritised remediation list your supervisors can assign to branches or central underwriting.

Scope included

• Agreement on sampling frame (product, period, channel, limit bands)
• Checklist aligned to your credit policy and application checklist
• Review of identity, income, collateral or asset evidence where applicable
• Comparison of recorded score outcomes against documented inputs
• Logging of missing verifications, inconsistent notes, and unsigned exceptions
• Closing workshop (online or at your office) to walk through priority findings

Out of scope

We do not redesign scorecards, build lending software, or issue a statutory financial statement audit. We also do not contact borrowers unless you expressly arrange a supervised call protocol.

How the work runs

1. Scoping call — products in frame, file access method, and inspection deadlines.
2. Sample lock — you provide file IDs or we draw a random stratified sample from your list.
3. File reading — reviewers work through applications against the agreed checklist.
4. Findings draft — exceptions graded by severity and recurrence.
5. Close-out — memo delivery and a working session with your nominated leads.

Duration and place

Most 60–120 file samples finish in two to four weeks once access is granted. Work can sit in our Asoke office secure review room or at your Bangkok / regional premises when files cannot leave the building.

Preparation we need

Application image packs or system printouts, the credit policy version in force during the sample period, scorecard cut-off notes, and a contact who can clarify local product rules within one business day.

Pricing basis

Fees are quote-based on sample size, product complexity, and whether dual-language (Thai/English) memo pages are required. See Fees for starting ranges, then request a scoping call.