Field notes · 28 April 2026
Preparing paper files for an on-site review in Phuket
How to organise binders and tabs so an on-site financial audit of applications moves quickly without missing exhibits.
Some application packs still live in binders — especially when collateral letters and board minutes never left paper. For visits at our Prospect Street rooms, organisation decides whether we finish in one session or two.
Bring a contents list that mirrors the application checklist from your lender or awarding body. Tab each exhibit with the same label used on the form. Keep working papers separate from final attachments so we do not annotate the wrong copy.
If originals cannot leave your office, bring certified copies and a note of who holds the seals. Photographing pages mid-session slows everyone down; a clean scan set on a drive is welcome as a parallel pack.
Arrive with questions you already suspect — unexplained variance, stale valuations, missing guarantor IDs. Naming them early keeps the financial audit of applications focused on decisions, not hunting for folders.