With a background in credit risk management, I have performed loan reviews for over 40 banks and credit unions throughout the United States. I have been promoted while working as a Consultant at KPMG and as Vice President of Underwriting for Old Republic Insured Credit Services (mortgage insurance).
Nearly every lender I have partnered with during the last 6 years states that they are conservative. Most also claim to know exactly what the loans look like that are in their portfolio. As loans sour and board members want to know exactly what the loans look like, bring in an independent third party. Allow me to lend my experience auditing underwriting policies and procedures to give you answers.