Shah Alam · Selangor

We audit the origination application as a financial record, not as a product demo.

MindVector Stack Advisory is instructed by banks, development financial institutions, and licensed lenders who need an independent view of how loan applications are captured, decided, priced, and released for disbursement.

Office on Jalan Nilam, Subang Engagements in writing Findings, not software

Request a scoping meeting

Origination files, signed letters, and review notes laid out for an independent audit — Fieldwork starts with a sample of live and closed files — approved, declined, and still in progress — then traces each one through the origination application.

Primary engagement

Origination control audit

The core instruction is a file-based financial-control review of one loan origination application. We test intake completeness, routing, offer letters, holds, and the point at which a file is allowed to move toward money. Islamic and conventional books are sampled separately when they share the same application.

You receive a control map, a findings report, and a management letter that can be tabled with internal audit or the audit committee. Indicative fees start at RM 22,000 for a single retail origination path and a standard sample. The fee is not a checkout price; it is confirmed in an engagement letter after scoping.

Read the origination control audit

Related work

Other reviews we accept

These are separate instructions, not add-on tiles. Each has its own sample, period, and fee range.

Two reviewers comparing printed decision logs during an engagement

Decisioning and override review

Sampling of automated credit decisions, manual overrides, and the evidence trail that should sit behind each exception.

Indicative fee from RM 18,500

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Calculator, interest tables, and annotated repayment schedules

Interest, fee and repayment calculation audit

Independent recalculation of interest, fees, and repayment schedules against product parameters held in the origination application.

Indicative fee from RM 16,000

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Reviewer working through disbursement checklists at a desk

Disbursement and posting integrity review

Walk-through of disbursement authorisation, maker-checker evidence, and the hand-off from origination into the general ledger.

Indicative fee from RM 19,500

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All origination audit services

How an instruction typically runs

Four stages, written down before fieldwork

1

Scoping

We name the origination application, the product families, the period, and whether Islamic and conventional flows are in scope. You leave with a draft engagement letter, not a proposal deck.

2

Working papers

Product sheets, access listings, and a sample frame come first. We draw the sample. Clean-file selections from the lender are not accepted as the population.

3

Fieldwork

File tracing, recalculation where scoped, and walk-throughs on the operations floor. Limitations are recorded as we go, not discovered in the last paragraph of the report.

4

Reporting

A findings paper, a management letter, and a closing meeting. Residual risks are owned and dated. We do not reopen sampling to soften a finding.

Read the methodology in full

Office

Meet in Shah Alam

6 Jln Nilam 1/7 Taman Teknologi Tinggi Subang, Shah Alam, Selangor, 40000, Malaysia. Telephone +60 603-56375846. Monday to Friday, 9:00–17:30.

Scoping meetings are by appointment. Bring the product pack and a named counterpart who can pull origination files. If the application is about to change, say so before we lock dates — a pre-go-live review is a different instruction.

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