Underwriting Quality Analysis -- Independent assessment of borrower creditworthiness, collateral strength, and income stability.

Compliance Validation -- Verification with underwriting standards, regulatory requirements, and exceptions management.

Tape-to-File Integrity -- Confirming data accuracy between servicing systems and source documentation.

Risk Ratings & Stratifications -- Clear, defensible risk ratings from loan-level to portfolio-wide.

Credit line management, balance trends, and credit risk migration.

Regulatory compliance and lien position validation.

Exposure to rate resets and borrower stress scenarios.

Loan-to-value analysis and stress testing for rapid depreciation.

Dealer and program compliance reviews.

Borrower repayment capacity evaluations and credit score validation.

Early delinquency trend analysis.

Draw utilization and repayment behavior analysis.

Credit line management, balance trends, and credit risk migration.

Regulatory compliance and lien position validation.

Exposure to rate resets and borrower stress scenarios.