Due Diligence & Field Examinations
Independent diligence and field examinations that look beyond reported results to evaluate the collateral, data, systems, processes, and controls supporting a credit.
Lenders already receive collateral reports, borrowing bases, loan tapes, and portfolio performance information. The challenge is understanding what sits behind those outputs—and whether the data, systems, processes, and controls producing them support the credit as represented.
BPA brings an operating perspective to diligence and field examinations, combining portfolio-level analytics, transaction-specific testing, and experienced credit judgment to provide a more complete view of the credit and the infrastructure behind it.
Each may be engaged on its own, or both across the life of the credit.
Understand
Understand the credit before you commit the capital.
Portfolio & Performance
Composition, concentrations, and historical performance.
Underwriting & Origination
How assets are approved, documented, and funded.
Servicing & Portfolio Management
How the portfolio is managed as performance changes.
Systems, Data & Reporting
The systems and controls behind facility reporting.
Governance & Controls
Reconciliations, approvals, and exception management.
Validate
Test what is behind the borrowing base.
Validate the Collateral
Existence, eligibility, and what supports the advance.
Test the Reporting
Source data through the borrowing-base calculation.
Evaluate the Operating Environment
Servicing, cash movement, and facility administration.
Identify What Has Changed
Developments since the prior period or examination.
Analyze broadly. Investigate deeply.
Operating & Asset-Class Expertise
Examiners who have worked in the functions they review.
Data-Driven Depth
Portfolio data used to see concentrations, breaks, and outliers.
Transaction-Specific Examination
Scope set by the credit, not a standard checklist.
Focused Risk Identification
Judgment applied to what those signals mean for the credit.
A more reliable view of the credit—what supports it, where the risks are, and what requires attention.
Whether you are building a new capability, strengthening an existing function, or addressing a specific operating challenge, we can help determine the right path forward.
