The purpose of the Forensic Analysis is to identify the root cause of a loan’s default and identify either a representation and warranty that was violated or a corrective action for a systemic process breakdown. The forensic loan review is the most in-depth loan level review we perform today.

Credit Re-underwriting – the purpose of credit re-underwriting is to evaluate whether loan conforms to underwriting guidelines, identify guideline exceptions and determine whether the exceptions reasonably rely on appropriate compensating factors.

Fraud Detection and Prevention – the purpose of the review is to determine whether fraud occurred in the origination of the loan and or to prevent a fraudulent loan from closing.

Collateral Advisory Services – the purpose of the collateral review is to confirm the value of the underlying collateral. Digital Risk utilizes licensed appraisers to conduct valuation services.

Regulatory Compliance Reviews – the purpose of compliance reviews is to conform compliance with local, state and federal laws. Digital Risk utilizes compliance specialists and state-of-art software to keep current on the latest regulatory changes.