Pre-score application file audit

Most scoring problems that later look like ‘model issues’ start as file issues: an income figure that cannot be tied to the attached statements, a tenor that does not match the product programme, or a related-party note that never made it onto the application form. This engagement sits before the score is called.

We read the pack as a credit file, not as a data extract. That means the application form, supporting financials, employment or business evidence, bank statements, CCRIS printouts where provided, collateral notes, and any internal checklist the originator already used. We mark what is present, what is missing, and what is present but does not agree with itself.

Findings are written against your product policy and against ordinary financial arithmetic — capacity, leverage, and the story the numbers tell — not against a wish to approve or decline. We do not issue a credit decision and we do not re-score the file.