Origination

The Solution.Origination page enables institutions to manage Account Orgination parameter settings that were previously only able to be updated in the Lifecycle Management Suite database by a Temenos Customer Care Representative.

To access the Solution.Origination page, navigate to System Management > Solutions > Origination.

Each tab contains a variety of solution parameters that optimize Lifecycle Management Suite functionality. Parameters with an asterisk (*) require an Internet Information Services (IIS) reset on all Lifecycle Management Suite servers in order for any configuration changes to take effect.

It is advised that the IIS reset occurs after business hours as it causes a disruption in the production environment.

Origination Tab

The Origination tab contains parameters that allow institutions to configure functions related to the origination stage:

Field Name

Solution Parameter

Description

Valid Values

Application age for Select Application search (days)

APPLICATION_AGE_IN_DAYS

Determines the number of days old an application must be in order to display in the Select Application pop-up window during a search.

Textbox:

Integer > 0

Load demographics and income from core and previous application (SSO Only)

This parameter is only used for WebLoan applications.

WEBLOAN_DEMOGRAPHICS

Determines whether or not applicant demographics and income information are pulled from the core and previous applications.

In addition to this parameter being set to Yes, an institution must also implement the new Single Sign-on method for WebLoan in order to load demographic and income information from the core and previous WebLoan applications. Please see the WebLoan Security topic for more information.

Drop-down:

Yes or No

Eligibility Required

ELIGIBILITY_REQUIRED

Determines whether non-member applicant information is input on the Applicant screen of the sub-product (No) or on the Non-Member Information screen and Non-Member Eligibility screen (Yes).

Drop-down:

Yes or No

If the value of this field is set to Yes and the Primary applicant value for IsEligible is false, then disbursement cannot continue and an error message stating the following is received: "The primary applicant is not eligible."

Eligibility Segmentation ID

ELIGIBILITY_SEGMENTATIONID

Determines whether or not a value from Lending_Segmentation_Code is applied to the application.

Drop-down list: Application > Applicants > Segmentation > Description

Enable Good Faith Estimate (GFE) date validation errors

VALIDATE_GFE_DATES

Determines whether or not GFE date validation errors are displayed.

Drop-down:

Yes or No

Include External Liabilities in Add On Refinance Panel

INCLUDE_EXTERNAL_LIABILITIES

Determines whether or not external liabilities are displayed on the Add On Refinance panel.

Drop-down:

Yes or No

Show TIN Validation Rules

The TIN Validation Rules multi-grid allows institutions to assign one or more Validation Rules to execute when an application is created or an applicant is added to an existing application. If the criteria within the rule fails validation when an application is created or an applicant is added, the Is Invalid TIN field is set to true.

It is imperative that only TIN validation rules are set here, as it may result in errantly flagging an applicant's TIN as invalid.

Only validations written at the Applicant level populate in this grid.

Show Application Initialization Validation Rules

The Application Initialization Validation Rules multi-grid allows institution to assign one or more Validation Rules to execute when the application is created. If the criteria within the rule fails validation, the application is not created.

Underwriting Tab

The Underwriting tab contains fields that allow institutions to configure functions related to application underwriting:

Field Name

Solution Parameter

Description

Valid Values

Credit Report Format

CREDIT_REPORT_FORMAT

Determines the custom format for credit reports. If left blank, the LUXCOMMON SUMMARY profile is used.

Drop-down:

Default (LUXCOMMON)
Common01
Common02
Lending01

Liability Match - Balance Amount % Tolerance Factor

DEDUPE_BALANCE_TOLERANCE_FACTOR

Determines the balance amount tolerance factor used when searching for a liability to map to an address.

For example, if the Balance Amount % Tolerance Factor is set to 0.05 (5%) and the liability balance amount in the core is within 5% of the liability balance amount in the credit report, the liability is considered a duplicate.

For information on how the Lifecycle Management Suite de-duplicates liabilities, please see the Pulling Credit topic of the Lifecycle Management Suite User Guide.

Textbox:

Decimal > 0

Liability Match - Payment Amount % Tolerance Factor

DEDUPE_PAYMENT_TOLERANCE_FACTOR

Determines the payment amount tolerance factor used when searching for a liability to map to an address.

For example, if the Payment Amount % Tolerance Factor is set to 0.05 (5%) and the liability payment amount in the core is within 5% of the liability payment amount in the credit report, the liability is considered a duplicate.

For information on how the Lifecycle Management Suite de-duplicates liabilities, please see the Pulling Credit topic of the Lifecycle Management Suite User Guide.

Textbox:

Decimal > 0

Liability Match - Consider Trade Type

DEDUPE_COMPARE_BY_TRADETYPE

Determines whether or not the trade type is considered when searching for a liability to map to an address.

Drop-down:

Yes or No

Include concurrent applications in aggregates and ratios

INCLUDE_CONCURRENT_APPS

Determines whether or not concurrent applications are used in the Lifecycle Management Suite.

Drop-down:

Yes or No

Remote Signature Provider

REMOTE_SIGNATURE_PROVIDER

Determines the remote signature provider used by the financial institution.

Drop-down: IMM, DocuSign, or Silanis

Setting this parameter determines whether DropSpot functionality is used for the following connectors:

IMM - Sets IMM as the document signature provider. If selected, documents generated by IMM are signed using the IMM Signature Pad or remotely by printing documents out, signing them, and scanning them.
DocuSign - Sets DocuSign as the document signature provider. If selected, documents generated by IMM are saved as a password protected zip file to allow them to be converted into DocuSign documents.
Silanis - Sets Silanis as the document signature provider. If selected, documents generated by IMM are saved as a password protected zip file to allow them to be sent to Silanis.

For additional information about using these connectors, please see the applicable connector guides.

Approved Tab

The Approved tab contains fields that allow institutions to configure functions related to approved applications:

Field Name	Solution Parameter	Description	Valid Values
Method for determining “Decision By” user	DECISIONED_BY_METHOD	Determines the value used to set the Decisioned By user.	Drop-down: FINAL or SUGGEST
Type of email address for sending custom emails	FROM_EMAIL_ADDRESS_TYPE	Determines the email address used when sending custom emails from within the Lifecycle Management Suite.	Drop-down: SYSTEM or USER

Declined Tab

The Declined tab contains fields that allow institutions to configure functions related to declined applications, including the ability to automate the decline process for applications with counteroffers that have not been accepted.

Field Name	Solution Parameter	Description	Valid Values
Default Adverse Action	DEFAULT_ADVERSE_ACTION	Determines the default Adverse Action ID used for the ADVERSE_ACTION lookup type.	Drop-down: Select lookup based on “ADVERSE_ACTION” lookup type
Default Decline Reason	DEFAULT_REJECT_REASON	Determines the default Reject Reason ID used for the REJECT_REASON lookup type when an application is auto declined.	Drop-down: Select lookup based on “REJECT_REASON” lookup type
Prefer Mailing Address when sending Adverse Actions	PREFER_MAILING_ADDRESS	Determines the address that is used in the Adverse Action Export. If the Prefer Mailing Address option is set to Yes, the Mailing Address for an Applicant is used instead of the current address.	Drop-down: Yes or No
Auto Decline Default Decline Reason	AUTO_DECLINE_DEFAULT_DECLINE_REASON	Determines the default Decline Reason that appears on the Adverse Action notification transmitted to the applicant.	Drop-down: Select lookup based on “REJECT_REASON” lookup type

System Tab

The System tab contains fields that allow institutions to configure the Lifecycle Management Suite or host configuration policies:

Field Name	Parameter	Description	Valid Values
Number of application tabs allowed per session	MAXLENDINGWORKSPACE	Determines the maximum number of application tabs that can be open during a user's Lifecycle Management Suite session.	Textbox: Integer > 0
Host supports account number auto-generation	HOST_AUTOGEN_LOANNUMBER	Determines whether the host supports auto-generation of loan account numbers (Yes) or if account numbers must be entered by the user (No).	Drop-down: Yes or No
Host supports person account number auto-generation	HOST_AUTOGEN_PERSONNUMBER	Determines whether the host supports auto-generation of person account numbers (Yes) or if account numbers must be entered by the user (No).	Drop-down: Yes or No
Account Product Number (suffix) is editable and required	ACCOUNT_PRODUCT_SUFFIX_IS_REQUIRED	Determines whether or not the account product number suffix is required and can be edited.	Drop-down: Yes or No
Credit Union routing number	ROUTING_NUMBER	Determines the default routing number used for internal transfers.	Textbox: Number, 9 digits
GL Code (OSI only)	HOST_CHECK_CODE	Determines the GL Code used for DNA (OSI).	Textbox – Optional
Update Demographics for Account Search	CHANGEACCOUNT_INCLUDE_DEMOGRAPHICS	Determines whether or not demographics are updated when the Change Loan/Account Number pop-up window is saved in the application workspace.	Drop-down: Yes or No
Include Addresses when updating Demographics	CHANGEACCOUNT_INCLUDE_ADDRESS	Determines whether or not addresses are included in demographic updates when the Change Loan/Account Number pop-up window is saved in the application workspace.	Drop-down: Yes or No
Update Core Messages for Account Search	CHANGEACCOUNT_INCLUDE_COREMESSAGES	Determines whether or not Core Messages are updated when the Change Loan/Account Number pop-up window is saved in the application workspace.	Drop-down: Yes or No
Account Decision for Existing Account Holder	ACCOUNT_DECISION_FOR_EXISTING_ACCOUNT_HOLDER	Determines whether account applications for existing account holders are automatically approved or require a decision.	Drop-down: Auto Approve - automatically approves all account applications for existing account holders. When this value is set, the user is navigated directly to the Approval stage in the application. Require Decision - requires users to begin the account application process for an existing account holder in the Origination stage and collect the necessary information to decision the application. When this value is set, all account applications are processed through the Account Decision Model assigned to the Account Application Type and decisioning/validation rules are executed.

Blacklist Tab

The Blacklist tab provides administrators with the ability to define the parameters that are used to prohibit certain IP addresses from accessing the Lifecycle Management Suite's Virtual Capture solution to submit account applications.

The Blacklist tab contains the following fields:

Field

Description

Number of applications allowed per IP Address

Enter the number of Virtual Capture applications that can be submitted from each unique IP address. When an IP address has reached the maximum number of applications, the applicant is redirected to an error page in Virtual Capture.

Number of Days to Blacklist an IP Address

Enter the number of days that must pass before an IP address can be blacklisted. Applications cannot be submitted from a blacklisted IP address.

When an IP address is blacklisted, the IsIPBlacklisted flag is set to true on the application in the Lifecycle Management Suite.

A list of IP addresses that have been blacklisted for the financial institution can be found in System Management > Virtual Capture > Blacklist IP Addresses.