The Loan Portfolio That Was Riskier Than Reported

7 loans show a payment posted 1 day before every single month-end snapshot, then reversed 1 day after — every month, for 6 months straight. Excluding those round-trip payments, these loans are delinquent every single month. 5 more loans also have a reversal on file, but it's a single one-off NSF bounce mid-month, unrelated to the reporting date and not repeating.