Due Diligence

Credit 
CRF Advisors credit review can be tailored to fit individual client needs and focuses on the borrower’s ability and willingness to pay as well as adherence to origination guidelines. The borrower’s cash flows and collateral values are analyzed to determine if there is sufficient support for the loan and their other obligations (ability). Additionally, CRF Advisors will review the borrower’s credit to determine if their past history reflects a sense of integrity regarding debt repayment (willingness).

Document Inventory / Document Sufficiency Review
CRF Advisors will review loan files to verify whether pertinent documents are included and if the data on the documents is consistent and logical. This review is highly customizable and dependent on which documents the client is interested in locating as well as their ultimate portfolio, disposition, or exit strategy.

Property Valuation Assessment 
Understanding the value of the underlying collateral and the quality of the valuation product that you’ve ordered is an important part of the diligence process and essential to the successful acquisition and/or management of your portfolio. CRF Advisors can help facilitate the valuation review process by working with your existing vendors and incorporating their findings into our due diligence results.

Sample Selection  
Selecting an accurate sample for loan file reviews is an important step in any review process. CRF Advisors has the expertise to determine the best set of loans for your review. Whether it is to achieve a statistically significant sample, adversely select loans from a large portfolio for a targeted review, understand risk layering in a portfolio, or select loans for quality control, the appropriate staff and systems can be found at CRF Advisors.