Field inspection services provide essential risk management capabilities that protect commercial lending portfolios through independent verification and monitoring. Auto collateral verification reduces charge-off rates by 15-25% through early identification of potential issues including VIN verification, condition assessments, and location confirmation. Commercial lenders report improved recovery rates and reduced losses when utilizing independent collateral verification for auto loan portfolios exceeding $1 million in outstanding balances.

Business verification services reduce fraud risk by 20% through independent confirmation of business operations, licensing compliance, and operational legitimacy. Professional business inspections include operational hour verification, signage documentation, employee interviews, and licensing verification for commercial borrowers. Small business lenders achieve $125,000 average annual savings through systematic business verification protocols.

Occupancy verification services ensure loan covenant compliance through tenant interviews, lease documentation review, and rent roll confirmation. Commercial real estate lenders report 30% improved early detection of potential defaults through systematic occupancy monitoring programs. Field inspection services serving Henderson commercial markets provide comprehensive risk management that protects loan portfolio performance through independent verification and detailed documentation protocols.

Employers must retain completed I-9 forms for 3 years after the date of hire OR 1 year after employment termination, whichever is later. This means an employee hired on January 1, 2023, and terminated on June 30, 2024, requires I-9 retention until January 1, 2026 (3 years from hire date), not July 1, 2025 (1 year from termination). The "whichever is later" rule ensures long-term employees who leave before the 3-year mark still have their I-9 retained for 1 year post-termination, while short-term employees who leave within months of hire still have their I-9 retained for the full 3 years from hire date. Early destruction or loss of I-9 forms before the required retention period expires triggers automatic penalties of $288 to $2,861 per missing form during ICE audits, even if the original I-9 was completed correctly.

The retention requirement applies to all I-9 forms regardless of whether the employee was full-time, part-time, seasonal, or temporary, and includes all supporting documentation such as copies of identity documents (if the employer chose to retain them), reverification records (Section 3), and any notes or correspondence related to the I-9 completion process. Employers must store I-9 forms separately from personnel files and ensure they are readily accessible for ICE inspection—typically within 3 business days of receiving a Notice of Inspection. Digital storage is permitted if the system maintains data integrity, prevents unauthorized alterations, and can produce readable paper copies on demand. Many employers struggle with I-9 retention compliance due to poor tracking systems that don't automatically calculate retention deadlines or flag forms eligible for destruction.

Lake Mead Mobile Notary provides I-9 verification services with detailed record-keeping support that helps Las Vegas and Henderson employers maintain compliant I-9 files. When our mobile notaries complete Section 2 as authorized representatives, we provide employers with date-stamped verification records that clearly document hire dates and retention deadlines, making it easier to manage the 3-year/1-year rule. We also offer guidance on Henderson area businesses regarding digital I-9 storage solutions and audit preparation strategies that ensure your I-9 forms remain accessible and compliant throughout the entire retention period.