Flagship Practice Area
Credit Audit
Independent credit reviews, early-warning frameworks and risk-based audit programs for lenders and large borrowers.
Credit Audit
Credit audit is a specialist discipline: reviewing the quality of credit decisions, documentation and monitoring across a lending book. Our practice serves lenders and large borrowers with independent credit reviews and early-warning frameworks.
The objective is discipline — surfacing weaknesses in appraisal, documentation or monitoring before they become losses, and giving risk teams a clear, evidence-based view of the portfolio.
What This Covers
The scope of our credit audit work.
Credit Audit
Independent review of credit appraisal, sanction and disbursement decisions against policy.
Loan Portfolio Review
Portfolio-level analysis of exposure quality, concentrations and emerging stress.
Documentation Review
Verification of security creation, loan documentation and covenant completeness.
Credit Monitoring
Review of post-sanction monitoring — stock statements, end-use verification and account conduct.
Risk Assessment
Early-warning indicators and risk grading frameworks for lending portfolios.
Regulatory Compliance
Alignment of credit processes with RBI norms and regulatory expectations.
Who It’s For
Built for the people who need it most.
Banks and NBFCs seeking independent review of their lending book
Risk and credit teams building early-warning frameworks
Large borrowers preparing for lender-mandated reviews
Discuss credit audit with a partner.
Every engagement at R Dugar & Associates is partner-led. Tell us where you are — we’ll tell you honestly how we can help.