Post Compliance Quality Control

Unmatched Review Experience Leverage by Technology – World Class Proprietary Results

Our successful completion of over $800 million rigorous loan reviews for the GSE’s provides an unsurpassed expertise in identifying repurchase risk elements. We have an exclusive view into the defects that cause GSE & investor repurchases.

Having served the nation’s GSE’s and financial institutions with due diligence, risk management, and quality management solutions, we have set the standard for actionable intelligence.

Advantages

  • 1.2 million reviews conducted
  • Business rule-driven technology – maximum flexibility & system integrity
  • Custom-tailored reporting format and processes
  • Robust data; patent pending proprietary analytic models to predict likelihood of defect
  • Client-dedicated team and stringent quality control
  • Elite panel of in-house certified appraisers with experience in forensic loan audit and QC
  • Front row intelligence on repurchase risk from performing over 500,000 forensic reviews

Comprehensive Reporting Capabilities

  • Audit Analysis Detail and Summary Reports
  • Trending Issues by Category and Sub-category
  • Quality Ratings Report – by Category and/or Role
  • Individual Asset Summary
  • Customized Trending Reports
pre and post quality

Experience Forensic Review

Digital Risk’s forensic review process includes in-depth compliance assessment of the portfolio, comparing the underwriting parameters and standards in place at the time of origination against representations and warranties contained in the purchase and sale agreements governing transactions. Services include identifying areas of risk stemming from underwriting errors, fraud and property valuation.

Our seasoned mortgage underwriters and fraud investigators utilize our advanced analytics and technology platform to determine loan application misrepresentations. Digital Risk’s full forensic review solutions dig deep into each credit, collateral and compliance component to identify errors in the loan’s origination, such as:

  • Income and employment
  • Bankruptcy documentation
  • CPA letters
  • Assets
  • Gift letters
  • VOD / bank statements
  • Debts / pay history
  • Valuation
  • Compliance requirements