We are a specialized Credit Risk Consulting firm dedicated to helping institutional investors, credit unions, banks, and secondary market participants make confident, informed decisions when buying or selling loan portfolios.
With decades of combined experience in loan underwriting, compliance, and secondary market analysis, our team provides the independent, third‑party oversight investors demand when evaluating credit risk exposure.
Loan Quality Analysis -- Assessing borrower creditworthiness, repayment capacity, collateral strength, and portfolio performance risk.
Compliance Validation -- Ensuring portfolios conform to program guidelines, regulatory standards, and documented underwriting policies.
Tape‑to‑File Integrity Checks -- Verifying accuracy of data between servicing systems and loan files to eliminate costly data discrepancies.
Risk Rating Methodologies -- Assigning transparent, defensible ratings at both loan and portfolio levels, giving investors a clear picture of credit migration and default risk.
Customized Reporting -- Delivering clear, investor‑focused reporting that highlights strengths, exceptions, and risk concentrations across geography, product type, or borrower demographics.
Our mission is simple: to protect our clients' capital by providing independent, data‑driven reviews that strengthen decision‑making in the secondary loan market.