Manual Decisions

If an application decision is unable to be reached by the automated decision process, users with the appropriate permissions are able to manually approve or decline an application.

Manually Approve Application

Users are able to bypass the conventional automated decision process to render an approved decision by clicking within the following locations in an application:

Application Toolbar
Top of the final screen in the Underwriting Workflow stage

This button is only enabled for applications requiring a decision and when the User/Security Group is granted the appropriate permissions to approve an application.

The

button is disabled when an account application is created for an existing account holder and the system is configured to automatically approve account applications for existing account holders by the system administrator within the System tab located in System Management > Solutions > Origination.

In addition to the application requiring a decision, in order for to be enabled, the following must be configured by the system administrator:

Ensure the Editability Action for Approve is correctly enabled for the status of the application.
Grant the User/Security Group Change permission to the Approve Account permission.

Approve Account Application

When is clicked, an Approve Application window appears to confirm that the non-account holder application should be submitted for approval:

By default, the "Approve the Account" check box within the Approve Application window is selected. Click to approve the account application.

Upon clicking , the following occurs:

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.

After is clicked, a success message appears to confirm that the account application was approved:

Once the account application is manually approved, the account decision is set to LO Approved.

If the Account Decisioned By and Account Decision Date fields are configured to appear within an Application screen, the values are populated with the name of the user who decisioned the account application and the date that the account application was decisioned.

Manually Decline Application

Users are able to bypass the conventional automated decision process to render a declined decision by clicking within the following locations in an application:

Application Toolbar
Top of the final screen in the Underwriting Workflow stage

This button is only enabled for applications requiring a decision and when the User/Security Group is granted the appropriate permissions to approve an application.

The button is disabled when an account application is created for an existing account holder and the system is configured to automatically approve account applications for existing account holders by the system administrator within the System tab located in System Management > Solutions > Origination.

In addition to the application requiring a decision, in order for to be enabled, the following must be configured by the system administrator:

Ensure the Editability Action for Decline is correctly enabled for the status of the application.
Grant the User/Security Group Change permission to the Decline Account permission.

Decline Account Application

When is clicked, the Decline Application window appears to confirm that the non-account holder application should be submitted for approval:

By default, the check box within the Decline Application window is automatically selected. Click to decline the account application.

After is clicked, a success message appears to confirm that the account application was declined:

Once the account application is manually declined, the account decision is set to LO Declined.