Audit Services

We are able to provide customized audits focused on our client’s specific needs and not just the one size fits all approach. Our local proximity provides the advantage of being able to focus on Southern California financial institutions and provide both offsite and onsite engagements with no additional costs for onsite audits. Our seasoned expertise and globally recognized certifications, provide the complete foundation that helps assure both management and the regulators that your audit was completed by a firm that has a track record of expertise and validated skill sets.

With three decades in both the lending and auditing fields, you will be ensured that any engagement will be performed by an auditor who not only has the required auditing knowledge, but completely understands the complexities of the lending and operational processes. With prior expertise in originating, underwriting, documenting, and funding consumer, mortgage, and commercial loans, Richard understands the complex components of the loan process from beginning to end. A list of audit services performed for prior clients include the following:

· Mortgage Compliance

· Mortgage Operations

· Loan Audit (Consumer, Mortgage, and Commercial)

· Credit Review (Consumer, Mortgage, and Commercial)

· CRA (Community Reinvestment Act)

· Fair Lending

· SOX (Sarbanes-Oxley)

· SBA (Small Business Administration) Lending

· MERS (Mortgage Electronics Registration System)

· Risk Management

The engagements shown above include analysis of the following loan types:

· Conventional Loans

· FHA

· SBA

· VA

· Non-QM Loans