Risk Models use business rules and matrices based on institutional lending policies and tolerances to assign applicant risk and determine creditworthiness.

Risk is determined during the first calculation after credit report processing completes. For more information, please see the Risk Models topic within this guide.

Pricing Models use base rate totals, thresholds and rules to determine application interest rates.

Pricing is determined during the first calculation after credit report processing completes. For more information, please see the Pricing Models topic within this guide.

Decision Models use business rules and matrices based on institutional lending policies and tolerances to automatically render loan application decisions.

Decision models process when the Decision button is clicked within a loan application. For more information, please see the Decision Models topic within this guide.

Workflow Models provide institutions the ability to increase the efficiency of the application process by ensuring only relevant screens appear within the workspace. In addition to assigning screens to the workspace, workflow models enables administrators to create a roadmap for completing applications using screens.

For more information, please see theWorkflow Models topic within this guide.