Keeping a co-lending arrangement audit-ready, every cycle
A bank–NBFC pair originates through a co-lending arrangement. Under the 2025 Directions the arrangement has to keep proving itself — retention, blended rate, booking windows, escrow, classification, bureau files — across two institutions’ systems that were never built to agree. Today that proof is reconciliation headcount and audit-prep sprints. AssureCLA recomputes it independently from both REs’ own events, on a monitored cadence.
What the pair has to keep proving
Every control below is recomputed from versioned inputs and versioned rules — so any finding is reproducible, and a clean result means something.
Retention & blended rate
Each RE's share and the borrower's blended rate, recomputed from the actual splits on every loan — not asserted from a term sheet.
The 15-day booking window
Disbursement, partner acceptance, cash reimbursement and the GL posting — four events, each inside the window, evidenced per loan.
Escrow reconciliation
Collections and appropriations matched across the escrow account and both REs' ledgers, with unmatched flows surfaced as findings.
Classification sync
The same borrower carried at different DPD/classification by the two REs is a finding with a lifecycle — not a quarter-end surprise.
Bureau files, both sides
Each RE reports its own share. One filing while the other assumes, drifting DPD counts, contradictory statuses — caught per cycle.
Product-specific controls
Gold, housing, vehicle and other asset-class packs add the controls those books actually need — LTV, insurance cover, custody, valuation.
How a quarter actually runs
Ingest
Both REs' loan, disbursement, escrow and classification events land as versioned inputs — the overlay never edits either book, it reads them.
Recompute
The rule pack recomputes every control over both books. Findings open with evidence attached; inapplicable controls stay honest — unknown is reported as unknown, never as a pass.
Work the findings
Each finding has a lifecycle — open, acknowledged, remediated, re-checked on the next cadence. The audit trail builds itself as the quarter runs.
Evidence on demand
When an inspector, auditor or partner asks, the evidence dossier is the by-product of operating — not a two-week assembly project.
See a quarter in the life of an arrangement
Walk through the case study, then see AssureCLA against your own arrangement mix — shadow pilots run on a historical tape with zero integration.
An independent assurance overlay — signals and recomputed evidence for the REs’ own decisions. AssureLocker does not lend, decide classifications, or replace either RE’s systems of record.