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Workflow Models allow Framework administrators to customize the application experience by assigning Screens, Workflows and Validation Rules to the application process. Once created, a Workflow Model is assigned at the sub-product level within System Management > Lending > Loan Product Definition.

The Workflow Models page can be accessed from System Management > Lending > Workflow Models and provides a complete list of all workflow models used within the Framework’s loan origination solution. From this page, administrators are provided with the functionality to configure workflow models that efficiently organize and customize an institution's application process.

To see the configuration of a workflow model in action, view this demonstration.

For an overview of the Validation functionality assigned within workflow models, view a demonstration of how Validation Rules affect the application process.

The Workflow Models page displays information about each workflow model within the following columns:

Column Name	Description
Name	Displays the name of the workflow model.
Description	If provided, displays a description of the workflow model.
Active	Displays a  if the workflow model is active.
Last Modified	Denotes when the last modification was made.
Modified By	Denotes who made the last modification.
Date Created	Denotes when the workflow model was created.
Created By	Denotes who created the workflow model.

The Loan Workflow Models topic includes the following attributes and instructions to assist administrators with creating, copying and editing workflow models:

• Workflow Model Attributes
  • General
  • Screens
    • Edit Screens
    • Available/Assigned Screens
  • Workflow               
  • Decision Validation
  • Document Validation
  • Disbursement Validation
  • Post Disbursement Validation
  • Post Decline Validation
• Creating Workflow Models       
  • Add Screens
  • Remove Screens
• Copying Workflow Models
• Editing Workflow Models

Workflow Model Attributes

All Workflow Models share common attributes that are defined when creating, copying or editing a Workflow Model.

General

General attributes include basic information pertaining to the Workflow Model.

The following General attributes are defined on the General tab:

Field	Description
Name	Enter a unique name for the Workflow Model.
Description	Enter a description that identifies the purpose of the Workflow Model.
Active	Select the Active check box to make the Workflow Model available to be assigned. When assigned to an active Loan Product, a workflow model must remain active, therefore, the Active check box for the workflow model is disabled as shown in the above example.

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Screens

Screen attributes enable administrators to assign default screens to populate within the Application Navigator as well as select the screens to be available for processing applications using the workflow model.

The following Screen attributes are assigned within the Screens tab:

• Edit Screens
• Available/Assigned Screens

Edit Screens

Edit Screen attributes allow the administrator to assign screens to be used by the workflow model’s Overview, Applicants, Authorized Users, Collaterals and References sections in the Application Navigator. If any user-defined screens have been created in System Management > Lending > Screens, they populate within the drop-down lists. If no user-defined screens have been created, only System and Custom screens are displayed.

Use the drop-downs to assign the following screens:

Screen	Description
Overview	Select the screen used for the application Overview. This is the first screen that appears when opening an application that is in process. It is recommended to configure this screen to include fields and panels that provide a general summary of the application.
Primary Applicant	Select the screen used to capture the Primary Applicant's information.
Other Applicant	Select the screen used to capture the Other Applicant's information.
Authorized User	Select the screen used to capture Authorized User information.
Reference	Select the screen used to capture credit Reference information.
Pledge Collateral	Select the screen used to capture Pledge Collateral information.
Real Estate Collateral	Select the screen used to capture Real Estate Collateral information.
Stock Collateral	Select the screen used to capture Stock Collateral information.
Vehicle Collateral	Select the screen used to capture Vehicle Collateral information.

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Available/Assigned Screens

Available/Assigned Screen attributes allow the administrator to assign screens to appear within the Screens List in the Application Navigator.

The following attributes are assigned within this section:

Attribute	Description
Available	Displays a list of all Application configured in System Management > Lending > Screens. Assign screens to the workflow model by selecting a screen from the list and moving it to the Assigned Screens box using the arrows that display.
Assigned	Displays a list of the screens assigned to the workflow model. Once the workflow model is saved and assigned to a sub-product, the screens within this box appear within the Screens List in the Application Navigator.

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Workflow

The Workflow provides a suggested order in which the application is to be completed and is built according to the various stages of the application life cycle.

Workflow attributes are assigned within the Workflow tab. This tab displays a list of the screens assigned to the Origination, Underwriting, Approval and/or Decline categories of an application and provides administrators with the ability to add and remove the screens that are presented within each stage of the workflow.

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Decision Validation

The Decision Validation process validates application data before a decision is rendered and checks for any errors that may exist within the application. Institutions can add To-dos within Validation rules to give advance notice of missing/invalid data or further actions that are required before an application can be completed. Decision Validation rules execute during the Decision Validation process to issue an error or create a To-do that prevents the Framework from completing the process. Users are not able to proceed with the application until the Validation/Error/To-Do has been cleared.

Decision Validation attributes enable the administrator to assign Validation rules to the application’s Decision process.

The following attributes are assigned within the Decision Validation tab:

Attribute	Description
Available	Displays a list of all Validation rules configured in System Management > Lending > Rules Management. Assign Validation rules to the application's Decision process by selecting a rule from the list and moving it to the Assigned Validation Rules box using the arrows that display.
Assigned	Displays a list of the Validation rules assigned to the workflow model. Once the workflow model is saved and assigned to a sub-product, the assigned Validation rules execute each time an application is saved prior to decisioning, as well as when  is clicked within the Application toolbar or on the final screen in the Origination workflow stage.

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Document Validation

Document Validation rules execute to validate application data before generating and displaying loan documents. These rules can be configured to issue validation errors that prevent documents from generating if the application data does not match an expected value. Users are not able to proceed with an application until the Validation/Error has been cleared. 

Document Validation attributes enable the administrator to assign Validation rules to the application’s Generate Documents process.

The following attributes are assigned within the Document Validation tab:

Attribute	Description
Available	Displays a list of all Validation rules configured in System Management > Lending > Rules Management. Assign Validation rules to the application's Generate Documents process by selecting a rule from the list and moving it to the Assigned Validation Rules box using the arrows that display.
Assigned	Displays a list of the Validation rules assigned to the workflow model. Once the workflow model is saved and assigned to a sub-product, the assigned Validation rules execute during the Generate Documents process.

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Disbursement Validation

The Disbursement Validation process validates application data before disbursement and checks for any errors that prevent disbursement from completing. Institutions can add To-dos within Validation rules to give advance notice of missing/invalid data or alert to further actions that are required before an application can be completed. Disbursement Validation rules can be configured to issue an error or create a To-do that prevents the Framework from completing the Disbursement Process. Users are not able to proceed with the application until the Validation/Error/To-do has been cleared.

Disbursement Validation attributes enable the administrator to assign Validation rules to the application’s Disbursement process.

The following attributes are assigned within the Disbursement Validation tab:

Attribute	Description
Available	Displays a list of all Validation rules configured in System Management > Lending > Rules Management. Assign Validation rules to the application's Disbursement process by selecting a rule from the list and moving it to the Assigned Validation Rules box using the arrows that display.
Assigned	Displays a list of the Validation rules assigned to the workflow model. Once the workflow model is saved and assigned to a sub-product, the assigned Validation rules execute each time an application is saved prior to Disbursement, as well as when  is clicked within the Application toolbar or on the final screen in the Approval workflow stage.

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Post Disbursement Validation

Post Disbursement Validation rules execute to create a To-do that can be used to track fulfillment of application requirements after an application has been disbursed. For example, a Post Disbursement Validation rule can be configured to create a To-do that ensures all necessary documents for the application are obtained, such as a title.

Post Disbursement Validation attributes enable the administrator to assign Validation rules to the application’s Post Disbursement Process.

The following attributes are assigned within the Post Disbursement Validation tab:

Attribute	Description
Available	Displays a list of all Validation rules configured in System Management > Lending > Rules Management. Assign Validation rules to the application's Post-Disbursement process by selecting a rule from the list and moving it to the Assigned Validation Rules box using the arrows that display.
Assigned	Displays a list of the Validation rules assigned to the workflow model. Once the workflow model is saved and assigned to a sub-product, the assigned Validation rules execute each time an application is saved after it has been disbursed.

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Post Decline Validation

Post Decline Validation rules execute to create a To-do that can be used to track fulfillment of application requirements after an application has been declined. For example, a Post Decline Validation rules can be configured to create a To-do that ensures all appropriate actions have been taken for a declined application, such as distributing notice of adverse action.

Post Decline Validation attributes enable the administrator to assign Validation rules to the application’s Decline process.

The following attributes are assigned within the Post Decline Validation tab:

Attribute	Description
Available	Displays a list of all Validation rules configured in System Management > Lending > Rules Management. Assign Validation rules to the application's Post-Decline process by selecting a rule from the list and moving it to the Assigned Validation Rules box using the arrows that display.
Assigned	Displays a list of the Validation rules assigned to the workflow model. Once the workflow model is saved and assigned to a sub-product, the assigned Validation rules execute each time an application is saved after it has been declined.

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Creating Workflow Models

The Create function enables administrators to define the logic and structure of a Loan Workflow Model. This function provides the ability to configure and customize the application process to meet an institution’s business needs.

To create a workflow model, navigate to System Management > Lending > Workflow Models and click .

Within the Workflow Model configuration window, define the General workflow model attributes.

Once all General attributes are defined, select the Screens tab to assign Screen attributes.

After assigning screen attributes, navigate to the Workflow tab to configure Workflow attributes and perform one of the following actions:

• Add Screens
• Remove Screens

Add Screens

• To begin configuring the application’s Workflow, click .

• The Select Screens window appears:

The Select Screens window lists all Application configured in System Management > Lending > Screens.

• Select the desired Category from the Category drop-down list. This drop-down defaults to Origination, but provides the option to select the Approval, Decline, or Underwriting stages.

• After a category has been defined, select the check box next to a screen to assign it to that stage of the workflow.

For user convenience, a Filter appears in the top-right corner of the Select Screens window. Enter keywords to narrow down the available choices within the Screen list. Additionally, users are able to sort the list alphabetically by clicking the column header.

• Click Add to assign the screen(s) to the selected Workflow category.
• If desired, once all screens have been added to the first category, repeat this process any remaining categories.

Assigning screens to each stage of the workflow is not mandatory. If no screens are mapped to a workflow category, that stage does not appear in the Application Navigator, nor does it occur during the application process.

• Once all screens have been added to the appropriate Workflow categories, click Close to exit the Select Screen window and return to the Workflow tab.
• The order in which the screens appear under each category in the Workflow tab determines their order of appearance in the application workflow. To change the order in which the screens appear, drag and drop the screens into the proper sequence.

When a new application is created, the first screen of the Workflow displays as the default screen. This typically is the first screen assigned to the Origination stage of the Workflow, however, if there are no screens assigned to Origination, the first screen in the Underwriting stage displays as the default screen. Screens only display for a user if they have permissions to view or edit these screens.

•  Verify that all desired screens have been added to the appropriate Workflow category. If additional screens are required, reselect  and repeat the addition process.

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Remove Screens

• To remove a screen from a Workflow category, select the check box that corresponds with the screen to be removed and click  .
• To clear an entire Category, select the check box that corresponds with the category to be cleared and click . 

 

Selecting the check box within a category heading automatically selects all screens under the category as shown in the above example.

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Upon completion of the Workflow attributes, navigate through the following tabs to assign Validation rules to the workflow model:

• Decision Validation
• Document Validation
• Disbursement Validation
• Post- Disbursement Validation
• Post Decline Validation

Once all tabs are complete, review each tab for accuracy. After all updates have been made to the workflow model, click .

The newly created workflow model now appears within the grid on the Workflow Models page and is available to be assigned to screens and loan sub-products.

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Copying Workflow Models

The Copy function enables administrators to duplicate the logic and structure of an existing workflow model. The existing workflow model can be used as the base for creating a new workflow model. Copying a workflow model provides administrators with the ability to add, modify or delete screens, as well as workflow and validation logic. Users are then able to save it with a different name in order to create a new workflow model.

• To copy an existing workflow model, select the desired workflow model within the grid on the Workflow Models page and click .
• Once the workflow model’s name has been changed and logic updated, click  to retain all changes and finalize the creation of a new workflow model.

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Editing Workflow Models

The Edit function enables administrators to revisit an existing workflow model and modify the existing logic to enhance usability.

• To edit an existing workflow model, double-click on the desired workflow model within the grid on the Workflow Models page or select the desired workflow model and click .
• Once the logic has been updated, click  to finalize the workflow model’s modifications.

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