Co-Lending and Portfolio File Audit

• Head of Co-Lending and Partnerships
• Treasury and Securitisation Head
• Head of Internal Audit
• Credit Risk Manager at a partner bank

When a bank takes its share of co-lent loans, buys a pool through direct assignment or invests in a securitised pool, someone has to check that each loan file matches the agreed criteria and the data tape. Sampling a few files leaves the rest unchecked, while reviewing every file by hand takes weeks that the transaction timeline rarely allows.

We build a file audit pipeline for co-lending and portfolio transactions. It ingests the data tape, the LMS extract and the scanned loan files, classifies each document and extracts the fields that matter: borrower identity, sanction terms, agreement terms, KFS details, mandate, insurance and collateral. It then reconciles three ways, tape against LMS against documents, applies the eligibility criteria in the partnership or assignment agreement, and runs your file completeness checklist. Each loan receives a status with exceptions that cite the document and page. Uncertain extractions and borderline criteria go to a reviewer, and the result is a pool-level exception report plus a file-level evidence trail.

• Ingests data tapes, LMS extracts and scanned loan files at pool scale
• Extracts sanction, agreement, KFS, mandate, insurance and collateral details
• Three-way reconciliation of tape, loan system and documents with tolerance rules
• Eligibility criteria from co-lending or assignment agreements encoded as reviewable rules
• File completeness checks for KYC, signatures, dates and mandatory disclosures
• Pool-level exception report and per-loan evidence trail for partners and auditors

1. 01Load the poolThe data tape, LMS extract and loan files for the pool are loaded and matched by loan account number.
2. 02Classify and extractEach file's documents are classified and key terms extracted with confidence and page references.
3. 03Reconcile three waysTape, LMS and document values are compared field by field within agreed tolerances.
4. 04Apply criteria and checklistEligibility rules and the completeness checklist run on each loan, producing pass, fail or review.
5. 05Reviewer decisionsReviewers clear uncertain items and confirm exceptions, which the originator can then cure or exclude.
6. 06Report the poolA pool-level exception report and per-loan evidence pack go to the partner, investor or audit committee.

1. Intake
   • Data tape and LMS extract loaders
   • Bulk loan file ingestion from DMS or SFTP
   • Loan account matching
2. Document understanding
   • OCR and document classifier
   • LLM term extractor with loan file schemas
3. Reconciliation and rules
   • Three-way reconciliation engine with tolerances
   • Eligibility rule set per agreement
   • File completeness checklist
4. Review
   • Exception review queue
   • Cure tracking with the originator
5. Reporting and audit
   • Pool exception report
   • Per-loan evidence pack
   • Audit log

Reviewers confirm every exception and clear uncertain items, and the originator and partner agree cures or exclusions. Final acceptance of loans into a pool remains a credit and treasury decision.

• Loan management system (via extract or API)
• Document management system or SFTP for loan files
• Co-lending platform or partner bank interface
• Treasury or securitisation workflow tools
• Audit and GRC tools

• Every exception cites the document, page and rule that produced it
• Eligibility rules version-controlled and approved by both partners
• Tolerances for amounts and dates agreed in advance
• Borrower data processed in the agreed environment with access logs
• No loan marked clean while any mandatory document is unreadable

• Supports the due diligence each partner must perform under RBI's co-lending framework and its directions on transfer of loan exposures.
• Helps evidence that Key Fact Statements and disclosures are present on digital loans, as RBI's digital lending rules expect.

• NBFCs & Lending

  Loan Application Document Extraction

  Read loan files from branches, DSAs and digital journeys, extract KYC, income and business fields into your LOS, and flag missing or inconsistent documents before credit review.

• NBFCs & Lending

  Bank Statement Analysis for Underwriting

  Analyse bank statements from PDFs, scans and Account Aggregator data to surface income, obligations, bounces and red flags, with every figure traceable to transactions.

• NBFCs & Lending

  Conduct Testing for Collections Voice Agents

  Test collections voice agents, in-house or vendor-built, for harassment, third-party disclosure, misrepresentation and vulnerable-borrower handling in Hindi and Hinglish, with audio evidence.

• Accounting, Audit & Consulting

  Audit Sampling and Vouching from Invoices

  Select samples from the ledger, pull invoices, GRNs and payment proofs, and check each voucher against the entry, with every exception sent to the audit senior.