Create

The Create section of the Ribbon bar contains functionality that enables the ability to originate account applications in the Lifecycle Management Suite.

Check out the Creating an Account Application video tutorial for an overview of the application initialization process and the account product functionality in the New Application screen.

The Create topic provides the following information and instructions to assist users with creating an application:

Creating an Application

Creating an Application

To originate an application, click within the Ribbon Bar.

Upon selecting , the New Application screen appears in a new window.

New Application Screen

The New Application screen provides users with the ability to enter the information required to initiate an application as well as start the application process. This screen can also be customized to include a detailed value statement that can be used as a sales tool when initiating a new application.

The New Application screen includes the following sections:

Show Application Information

The Application Information section allows users to input the information required to initiate an application, such as the type of application being created, the product being applied for, the application source, channel, and/or vendor, as well as an account number or Taxpayer Identification Number (TIN) to identify the applicant.

The toolbar within the top of this section provides the ability to perform the following actions:

Icon

Description

Allows a user to save the data entered in the Application Information section and create the application.

Once the application process is started, the status of the application is set to "In Progress."

Allows a user to cancel the application process.

Reference the table below to assist with completing the fields within this section of the New Application screen:

Field

Description

Application Type

Identifies the type of application being created.

This drop-down controls the options available within the Applying For drop-down and defaults to Account.

Applying For

Select the product for which the applicant is applying. This drop-down contains the active sub-products configured for the identified application type and defaults to the first sub-product listed alphabetically.

When Account is the selected Application Type, this drop-down contains the active sub-products configured in System Management > Origination > Account > Account Application Types.

Information within the Product Offerings section may change based on the sub-product selected within this drop-down. For more information, please see the Product Offerings section of this topic.

Application Source

Use the drop-down to select how the application is being received.

Channel

Use the drop-down to select the Channel that is submitting the application.

Vendor

Use the Search function to select the Vendor that is submitting the application.

This field becomes enabled when Vendor Purchase is selected as the Application Source.

Account Number

If the applicant is a current account holder, enter the account number to associate with the application.

If an applicant is associated with only one open account, the Lifecycle Management Suite creates the application with the sole account number. If the applicant has multiple accounts, an account selection window appears to select an account to associate with the application. If a closed account is selected, a message is received asking if application should be created as a non-member application. For more information, please see the Applicants with Multiple Accounts section within this topic.

TIN

If the applicant’s account number is unknown, or the applicant is not a current account holder, enter the applicant’s Tax Identification Number. This is also used for the Applicant’s Social Security Number (SSN).

If an invalid TIN has been provided and TIN validation rules have been assigned, the Lifecycle Management Suite validates the applicant's TIN during the application initialization process. For more information, please see the TIN and Application Validation section within this topic.

As part of the application initialization process, the Lifecycle Management Suite uses the TIN to search the core and previous applications for the following information:

Show From Previous Applications

First Name
Middle Name
Last Name
Account Number
Person Number
Birth Date
Email
Marital Status
Member Code
Preferred Contact Method
ID Country
ID Expiration Date
ID Issue Date
ID Number
ID State
ID Type
VISA Expiration Date
VISA Type
Mothers Maiden Name
Credit Card Name

Show From Core

Demographics

Account Number
Person Number
First Name
Middle Name
Last Name
Mothers Maiden Name
Suffix
Birth Date
Email
Marital Status
TIN
Member Code
Restriction Code
Membership Start Date
ID Type
ID Number
ID Country
ID Expiration Date
ID Issue Date
ID State
VISA Expiration Date
VISA Type
Has Direct Deposit
Segmentation ID
Credit Card Name

Phone Numbers are also updated.

Addresses

Address Type
Address 1
Address 2
City
State
Country
Postal Code
Start Date
End Date

Assets

Original Value
Balance
Association
Available Balance
Hold Amount
Asset Class
Maturity Date
Rate
Is Auto Renew
Is From Host
Manually added assets

Liabilities

Is From Host
Payment Frequency
Term
Close Date
Payoff Amount
Limit
Account Number
Past Due Amount
Is Refinanced
Account Number

Core Messages

Important core messages

Show Account Products

At least one account product must be active in order for the Account Products section to appear within the New Application screen. For more information, please see the Account Products topic in the Administrator Guide.

The Account Products section displays a list of the active account products configured by the system administrator in System Management > Origination > Account > Account Products.

From this section of the New Application screen, users are provided with the ability to add an account product and view account product offerings.

Add an Account Product

To add an account product from the New Application screen, select the check box next to the desired account product(s).

If configured by the system administrator, multiple account products of the same type can be added during the application process; however, only one of each account product type can be added to an application from the New Application screen. For more information, please see the Adding Account Products section of the Account Products topic in this guide.

Once is clicked, the selected account product(s) appear within the People and Products section in the Application Navigator.

View Account Product Offerings

When configuring an account product, system administrators have the ability to customize a detailed value statement for each account product that can be used as a sales tool when initiating a new application.

For more information on configuring a sales script for an account product, please see the Account Products topic in the Administrator Guide.

If a sales script has been configured for an account product, a details... link appears next to the account product name as shown for Free Checking in the example below:

Click details... to view the sales script for the account product.

Show Product Offerings

Upon selecting the sub-product being applied for, the Product Offering section populates with the customized Product Details and/or Sales Script configured by the system administratorSystem Management > Origination >Account > Account Application Types. This section provides a detailed value statement about the selected product that can be used as a sales tool when initiating a new application.

Information within the Product Offerings section may change based on the sub-product selected within the Applying For drop-down.

Once all information within the New Application screen is complete, click to create the application.

Create an Application for an Existing Account Holder

When an application is being created for an existing account holder, once is selected, the Lifecycle Management Suite performs an automatic search for the following information using the account number or TIN provided within the New Application screen:

Existing Applications
Applicants with Multiple Account Numbers
Non-Primary Account Holders

Existing Applications

When there is one or more existing applications in progress, the Review Active Applications and/or Promotional Offers screen appears in a new window. This screen contains a list of in-progress applications associated with the applicant. In progress applications include all applications without a status of Withdrawn, Disbursed, Auto-withdrawn, LO Rejected, Invalid, Rejected, or Not Eligible.

As shown in the below example, an Active Offers tab appears next to the Active Applications tab to list the promotional offers for which an applicant is eligible to apply. While the Promotions functionality is not currently available for the account origination solution, this tab continues to display within the screen, but the grid within the Active Offers tab appears blank.

By default, applications appear in the grid in a descending order with the most recently created application appearing at the top of the list. This list can be reorganized into ascending or descending order by clicking within the desired column and selecting the that appears, as shown in the Application column in the below example.

The grid within this screen displays the following columns of information for each active application:

Column	Description
Application	Displays the Application number.
Date Created	Displays the date that the application was created.
Created By	Displays the name of the user who created the application.
Status	Displays the status of the application.
Decision	Displays the decision status of the application.
Source	Displays the source of the application.
Sub-Product	Displays the name of the application sub-product.
Requested Amount	Displays the Requested Amount for the application.

To open an existing application, highlight the desired application within the grid and click . The existing application opens and allows the user to continue processing the application.

When an existing application is loaded, the workspace automatically opens to the screen that was in progress when the application was last open.

If none of the existing applications apply, select to disregard all existing applications and create a new application.

Back to Create Application for Existing Account Holder ^

Applicants with Multiple Accounts

When the account number or TIN provided for the applicant is associated with more than one record in the core, the Lifecycle Management Suite prompts users to select the account from which data is retrieved within the Select Person to Create Application window.

If contact with the core fails and the Lifecycle Management Suite fails to retrieve applicant information upon application initialization, an error message stating the exception details is displayed to the user.

This window contains a list of all person records associated with the provided TIN or account number and enables the ability to select an applicant to assign to the application.

When a TIN is entered to create the application, the Lifecycle Management Suite returns all records for the primary applicant that are related to the TIN. When an account number is entered to create the application, the Lifecycle Management Suite returns all records related to the account number, including those for Joint applicants related to the account. If a Joint record is selected, a message is received to inform that the application will be created as a non-member application.

Highlight the desired record within the grid and click OK to proceed with the application process.

By default, the Use data from below radio button is selected, but the option to manually enter information for the applicant is available. If none of the records within the grid apply, select Enter data manually and click OK to manually enter information for the applicant.

When a record from the core is not selected, the Lifecycle Management Suite creates the application as a non-member application. For more information, please see the Create an Application for a Non-Account Holder section within this topic.

Back to Create Application for Existing Account Holder ^

Non-Primary Account Holders

When the primary applicant exists as a joint/non-primary account holder within the core, the Lifecycle Management Suite prompts users to select the account from which data is retrieved within the Select Person to Create Application window. This window contains a list of all person records associated with the provided TIN or account number and enables the ability to select an applicant to assign to the application.

If a non-primary account holder is the primary applicant, the Lifecycle Management Suite creates the application as a non-member application.

Highlight the desired record within the grid and click OK to proceed with the application process.

Back to Create Application for Existing Account Holder ^

Create an Application for a Non-Account Holder

When the primary applicant is a non-account holder and/or data cannot be located in the core for the supplied TIN, an application is created as a Non-Member application. Upon selecting , the following window appears to enter information for the applicant:

The TIN pre-populates with the number provided within the New Application screen. Enter the applicant's First Name and/or Last Name within the fields that display and click OK.

TIN and Application Validation

If enabled within the Solutions.Origination page, Validation rules are processed against the criteria entered in the request.

Show TIN Validation

TIN Validation Rules enable the Lifecycle Management Suite to efficiently handle invalid Tax Identification Numbers entered in the application request.

Additional applicants added to an application are subject to TIN validation.

If a TIN fails validation, the Is Invalid TIN field becomes selected and prior applications are not searched for applicant information with matching TINs.

The Is Invalid TIN field is a read only field and cannot be manually cleared by a user.

Show Application Initialization Validation

Application Initialization Validation Rules enable the Lifecycle Management Suite to validate the criteria within the application request. If the application fails validation, the application is not created.