When a user clicks  within the Application Toolbar or final Origination screen in the Workflow, the Account Origination module submits the current application to the Decision Model assigned to the selected Account Sub-Product.

As part of the decisioning process, the following occurs upon clicking : 

• If not processed prior to decisioning, Credit Reports are pulled for the applicable applicant(s).
• If not processed prior to decisioning, Debit Reports are pulled for the applicable applicant(s). 
• Stipulation and Decision Validation rules are executed.

Stipulation rules are not executed on existing account holder applications if the Account Decision for Existing Account Holder solution parameter in System Management > Solutions > Origination is set to Auto Approve. To add stipulations to an application, one of the following methods can be used: Option 1: Set the Account Decision for Existing Account Holder solution parameter to Auto Approve. Create an event/action pair with an action of Process Stipulation Rules that fires during the application process. Option 2: Set the Account Decision for Existing Account Holder solution parameter to Require Decision, which sends all applications through the decision process and runs stipulation rules. Configure the Decision Model to auto approve applications for existing account holders.

• Decisioning Rules assigned to the sub-product’s Loan and/or Account Decision Model are executed.

Depending on the configuration of the Decision Model and Decisioning Rules, an application may have one of the following decision results:

Decision	Description
Auto Approve	The application has been automatically approved by Automated Decision Processing.
Auto Decline	The application has been automatically declined by Automated Decision Processing. If an application is auto declined, the default decline reason configured in System Management > Solutions > Origination is set.
None	The Automated Decision Process may not render an Approve or Decline Decision. Applications may have their Status set to Pending Review, which requires a Senior Loan Officer or Underwriter review.

For an overview of the account decision process, please see the Application Processing Overview topic within this guide.

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