Examine the finding in context.
Read the supporting documents alongside the observation. Separate a discrepancy that needs reconciliation from a conclusion the file actually supports.
Flightline / For lenders
Know what needs your attention.
Give QC leadership a clear view of the review work underneath each finding, so your team can decide what to resolve and what to examine next.
Review observations
Know where to look next.
Assets
Required reserves not supported
Source the deposit or establish other eligible assets.
Income
Qualifying income needs reconciliation
Connect the worksheet to the documented earnings.
Property
Repair completion supported
Final inspection addresses the original condition.
From oversight to the underlying file
Connect oversight to the underlying review.
A summary is useful when your team can follow it back to the loan. Start with the issue, inspect what supports it, and keep the unresolved questions visible in your internal discussions.
Understand what appears elsewhere.
Use related findings as a starting point for investigating a group of reviewed loans. Keep the population and supporting records visible.
Explain the work behind the finding.
Bring the issue, its effect, the requirement applied, and the remaining resolution steps into oversight and audit discussions.
Start with your files and your standards.
A useful evaluation should reflect the decisions your team makes. Agree the file set and review criteria together, then inspect the results with the people doing the work.
Discuss your review workflow- 01
Choose a representative prefunding or post-closing file set.
- 02
Review findings and recognized cures against your team’s assessment.
- 03
Agree which outputs fit your process and where reviewers need more context.
Judge the work for yourself.
Explore selected product examples to see how findings and supporting calculations fit together.
See the product examples ↗Your files. Your standards.
Discuss your review workflow and what a useful evaluation would look like.
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