The Rating Agencies (RA) assigns credit ratings which rate a debtors' ability to pay back debt by making timely principal and interest payments and the likelihood of default. They apply forward-looking opinions on the relative ability of an entity or obligation to meet financial commitments.
It is important that the right information is gathered, analyzed, and presented (reported) in a clear and concise manner.
We have the team and experience to handle any engagement, with processes for quality, compliance and reporting standards to comply with regulatory, rating agency and investor requirements.
The scope of the review may be expanded as necessary in cases in which the bank offers new or significantly changed products, a particular concern exists, or there are larger, more complex operations.
To significantly mitigate risk, we examine all mortgage documents prior to securitization, and to confirm the mortgage is valid and free of legal encumbrances.