Jump to a Section
Targeted Audits That Strengthen Risk Management
Our customized commercial loan review, pre-purchase, and quality control audits help detect emerging issues and control gaps, delivering practical guidance for immediate remediation and long-term risk management improvement.
Loan Review
Commercial Loan Review Services
Our commercial loan review experts provide an independent assessment of the commercial loan portfolio to evaluate the quality of underwriting, credit administration, and risk management practices; validate the accuracy of assigned risk ratings; identify emerging credit risks that may affect the collectability of the portfolio; and provide actionable recommendations that assist management and the board in maintaining a safe, sound, and well-managed commercial lending program.
Residential Mortgage Loan Review Services
CrossCheck performs residential mortgage loan review to assess credit quality, documentation, underwriting consistency, and identify compliance issues that can affect salability, repurchase risk, and portfolio performance. Our reviews help lenders identify file-level defects and recurring exceptions before they create broader exposure.
Loan Portfolio Review
CrossCheck conducts targeted portfolio reviews for correspondent lending, acquired loans, legacy assets, purchased portfolios, and higher-risk segments. We help clients evaluate broader portfolio trends, concentrations, and hidden risk beyond individual file exceptions.
M&A Due Diligence Support
For mergers, acquisitions, and balance sheet transfers, CrossCheck provides independent loan review and due diligence focused on underwriting quality, transaction risk, compliance concerns, and portfolio fit. Our work helps clients make more informed valuation, negotiation, and integration decisions before closing.
Quality Control
Prefunding Quality Assurance
Detect defects, fraud indicators, and guideline exceptions before closing. Early review helps reduce downstream losses, support sound credit decisions, and prevent issues that can lead to repurchase exposure or borrower harm.
Post-Closing Quality Control
Validate underwriting, documentation, and compliance execution after closing through independent file review. Our post-closing QC helps lenders uncover defects, measure trends, and improve overall loan quality, while meeting all Fannie Mae, Freddie Mac, FHA, VA, and USDA requirements.
Servicing Quality Control
Assess servicing execution, documentation, and control effectiveness to identify borrower-impact risk, compliance gaps, and recurring issues in ongoing loan administration. Our servicing QC helps organizations strengthen oversight, improve consistency, and support regulator, investor, and insurer expectations.
Regulatory Compliance
Monitoring, Audit, or Targeted Loan or Deposit Compliance Reviews
Review the institution’s operations and compliance with regulatory requirements to ensure responsibilities are carried out, legal requirements met, corrective action taken, and procedure and systems updates are made.
Compliance Policy & Procedure Review/Development
Establish and incorporate compliance requirements and responsibilities into business processes.
Compliance Training
Communicate compliance responsibilities and guidance to all employees, management, and the board with CrossCheck’s training programs.
Meet your Loan Review Services Team
Loan Review Services FAQs
How do independent loan reviews enhance executive and board oversight?
Independent loan reviews provide unbiased insight into portfolio risk, underwriting quality, and control effectiveness. Clear trend analysis and root-cause identification enable leadership to focus oversight on material risks rather than isolated exceptions.
How do loan reviews support effective risk rating and grading accuracy?
Independent reviews assess whether assigned risk ratings reflect actual borrower strength, collateral support, and structural features. This validation helps ensure portfolio metrics, allowances, and capital planning decisions are based on accurate risk assessments.
How should loan review findings be used to strengthen governance and controls?
Effective programs link findings to accountable owners, remediation timelines, and policy or training updates. Independent reporting enhances governance by providing credible challenge and clear escalation for unresolved or repeat issues.
How can loan reviews help evaluate underwriting discipline during growth periods?
Periods of rapid growth often introduce risk through staffing changes, production pressure, or expanded channels. Independent loan reviews assess whether underwriting standards are being applied consistently as volume and complexity increase.
How do loan reviews support model risk and loan loss allowance processes?
Loan reviews validate assumptions used in credit models and allowance methodologies by assessing actual underwriting quality and risk migration. This linkage strengthens confidence in CECL, ALLL, and stress testing outputs.
How should institutions integrate loan review results across risk functions?
Loan review insights should inform compliance, credit administration, training, and enterprise risk management. Independent reviewers help translate findings into cross-functional improvements rather than isolated corrective actions.
Why engage CrossCheck for loan review outcomes?
CrossCheck combines deep credit expertise, regulatory insight, and independent perspective to deliver loan reviews that are objective, compliant with investor requirements, and defensible—providing leadership with confidence in portfolio oversight when scrutiny is highest.
Representative Engagements
