Loan and Advances Review

Our Loan and Advances Review service audits the sanctioning, documentation, disbursement, monitoring, and classification of loans and advances at the branch level. This includes evaluation of credit appraisal quality, security documentation, end-use monitoring, and NPA classification.

The service ensures compliance with RBI guidelines and internal credit policies, helping banks avoid slippages, provisioning errors, and audit exceptions.

Who Needs This Service

• Branch credit departments and loan processing centers
• NPA management and recovery teams
• Regional audit teams validating credit control
• Compliance officers monitoring credit risk

Why Choose Our Services

• Detailed review of loan application, sanction, and disbursement
• Verification of mortgage, hypothecation, and guarantee documents
• Assessment of asset classification and income recognition under IRAC norms
• Identification of stressed accounts and potential NPAs
• Structured reporting for internal and external audits

What’s Included in the Services

• Credit file and sanction compliance verification
• Security coverage and documentation audit
• NPA identification and provisioning review
• End-use monitoring and loan renewal checks
• MIS preparation and exception-based reporting

Documents Required

• Loan sanction files and credit appraisals
• Stock statements, DP calculations, and inspection reports
• Security/mortgage documentation and insurance papers
• Loan ageing and repayment history reports

Call to Action

Strengthen your loan portfolio governance with a professional review.
Connect with our audit specialists for a comprehensive Loan & Advances Review.