The Applicant Types page in System Management (System Management > Origination > Applicant Types) enables administrators to maintain and customize the applicant types available at their institution.

This page displays a complete list of all system defined and custom applicant types that are available for the application process and provides administrators with the functionality to configure and create applicant types to meet their institution's business needs. 

The grid within the Applicant Types page displays the following columns of information for each applicant type:

Column	Description
Code	Displays the code (or name) of the applicant type.
Description	Displays a description of the applicant type.
Sort Order	Displays a number to identify the place that the applicant type appears in the sort order. The numbers in this column are listed in ascending numerical order starting at 1.
Include in Application Aggregates	Displays a  if the applicant type is to be included in application aggregate calculation.
Receives Adverse Action	Displays a  if the applicant type is to receive notice of adverse action when an application is declined.
Include in Application Risk	Displays a  if the applicant type is to be included in application risk calculation.
TIN Required	Displays a  if the applicant type requires a TIN to be entered for an applicant during the application process.
System	Displays a  if the applicant type is system defined.
Last Modified	Displays the date that the last modification was made.
Modified By	Displays the name of the user who made the last modification.

The Applicant Types topic includes the following instructions to assist administrators with creating and managing applicant types:

• Applicant Type Attributes
  • General
• Creating Applicant Types
• Copying Applicant Types
• Editing Applicant Types
• Deleting Applicant Types
• Configuring Sort Order

Applicant Type Attributes

All Applicant Types share the same General attributes when creating, copying, or editing an applicant type.

General

The General applicant type attributes include the basic details for the applicant type as well as determine the information that is calculated for the applicant type during the application process.

The following General attributes are defined on the General tab:

Attribute	Description
Code	Enter a unique code (or name) for the applicant type. For example, a code of POA could be entered to identify an applicant as a Power of Attorney. The Code entered cannot exceed 50 characters in length.
Description	Enter a description that identifies the purpose of the applicant type.
Include in Application Aggregates	The Include in Application Aggregates check box provides the ability to automatically determine which applicant types are included in the aggregate calculation for an application as well as exclude any applicant types that are not necessary to include in the aggregate calculation at the application level.   Select the check box to include the applicant type in application aggregate calculation. This check box defaults to a blank value and must be selected to include the applicant type in the aggregate calculation for the application.  Please see the Application Aggregates section below for an example of this functionality: Application Aggregates When the Include in Application Aggregates check box is selected for an applicant type, and aggregates are calculated at the application level, the applicant is automatically included in the calculation. When this check box is not selected, aggregates are calculated at the applicant level, but the applicant type is not included in the aggregate calculation across the entire application. For example, if it is not necessary to include a Beneficiary in the aggregate calculation for an application, the Include in Application Aggregates check box should remain blank. When an aggregate such as Disposable Income Preloan is calculated in an application, it is only calculated at the applicant level for the Beneficiary applicant.
Receives Adverse Action	The Receives Adverse Action check box provides the ability to determine which applicants are automatically identified as a person to receive an adverse action notice within the Decline Loan window and/or Adverse Action panel in an application.   Select the check box to identify that the applicant type should receive notice of adverse action when an application is declined.  This check box defaults to a blank value and must be selected to automatically identify that the applicant type should receive adverse action notifications. Please see the Receives Adverse Action section below for an example of this functionality: Receives Adverse Action When an application is declined, and the Receives Adverse Action check box is selected for an applicant type, the applicant is automatically identified as a person to receive adverse action within the Decline Loan window and/or Adverse Action panel in an application. If Receives Adverse Action is not enabled for an applicant type, the applicant is not selected as person to which an adverse action notice should be sent. In the example below, only the Primary and Joint applicant types have been configured to receive adverse action. When the Adverse Action panel is opened in an application, both the Primary and Joint applicants are selected as persons to send an adverse action notice, while the Non-Signing Spouse remains deselected.
Include in Application Risk	The Include in Application Risk check box provides the ability to automatically determine which applicant types are included in the risk calculation for an application as well as exclude any applicant types that are not necessary to include in the risk calculation at the application level.   Select the check box to include the applicant type in risk calculation for the application. This check box defaults to a blank value and must be selected to include the applicant type in the risk calculation for the application.  Please see the Application Risks section below for an example of this functionality: Application Risk When the Include in Application Risk check box is selected for an applicant type, and risk is calculated at the application level, the applicant is automatically included in the calculation. When this check box is not selected, risk is calculated at the applicant level, but the applicant type is not included in the risk calculation across the entire application. For example, if it is not necessary to include an applicant with a None role in the risk calculation for an application, the Include in Application Risk check box should remain blank. When risk is calculated in an application, it is only calculated at the applicant level for the applicant with a None role.
TIN Required	The TIN Required check box provides the ability to determine which applicant types require a TIN to be entered when an applicant is manually added to an application.   Select the check box to require users to enter a TIN when manually adding an applicant with the applicant type to an application. A TIN is always required for a Primary applicant; therefore, the TIN Required check box is selected and disabled within the General tab for the Primary applicant type. When creating a new applicant type, this check box defaults to a blank value and must be selected in order for the applicant type to require a TIN to be entered. When this check box is selected, a TIN or Account Number must be entered within the Add Applicant window to add an applicant to the application. When the Add Applicant Manually window appears, a  displays next to the TIN field to identify the field as required. If this check box is not selected, a TIN or Account Number does not need to be entered to add an applicant to the application and the TIN field is not marked as required within the Add Applicant Manually window. If the TIN field is configured as a required field on an Applicant screen, a TIN must be entered for the applicant in order to save the screen, regardless of whether the TIN Required field is selected for the applicant type. If the TIN field is not configured as a required field on the screen, but TIN Required is enabled for the applicant type, then a TIN must be entered for the applicant in order to save the screen. It is recommended that Event Processing or Applicant Import rules are authored in Rules Management to ensure credit is not pulled when an applicant is added to an application without a TIN.

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Creating Applicant Types

To create an applicant type from the Applicant Types page:

• Click .
• In the New Applicant Type window, enter a Code and Description for the applicant type.
• If desired, select the applicable check box(es) to include the applicant type in application aggregate calculation, identify that the applicant type is to receive adverse action notification, include the applicant type in application risk calculation, and/or require a TIN to be entered for the applicant type.
• Once all general attributes have been defined, click . The newly created applicant type appears in the Applicant Types grid and populates as an option to assign to a Loan Application Type.  

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Copying Applicant Types

The Copy function enables administrators to use an existing applicant type as the base for creating a new applicant type.

To copy an existing applicant type:

• Select the desired applicant type within the Applicant Types grid and click .
• In the Copy Applicant Type window, update the Code to a unique value, enter a new description and make any additional updates required for the applicant type.
• Once all desired changes have been made, click  to finalize the creation of the new applicant type.

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Editing Applicant Types

The Edit function enables administrators to revisit an existing applicant type and modify the logic to enhance usability.

The Code and Description of a system-defined applicant type cannot be edited; therefore, the fields are disabled in the Edit Applicant Type window. Additionally, since a TIN is always required for the primary applicant, the value of the Required TIN check box cannot be edited for the Primary applicant type and the field is disabled within the Edit Applicant Type window.

To edit an existing applicant type:

• Double-click the desired applicant type within the Applicant Types grid or select the applicant type and click .
• Make the necessary modifications and click  to retain the updated applicant type.

When an applicant type is used in an application, and the value for the Code is modified within the Applicant Types page, the updated value is reflected in the application once the application is refreshed. Any modifications made to Include in Application Aggregates, Receives Adverse Action, and/or Include in Application Risk are not updated in existing applications.

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Deleting Applicant Types

System-defined applicant types cannot be deleted, therefore, the  button is disabled when a system-defined applicant type is selected within the grid.

The Delete function enables administrators to permanently remove a custom applicant type from the Origination module.

When a custom applicant type is associated with at least one applicant in an application, the applicant type cannot be deleted from the Applicant Types page. While the  button remains enabled for these applicant types, an error message is received upon confirming deletion to inform that the applicant type is in use and cannot be removed.

To delete a custom applicant type:

• Highlight the desired applicant type within the Applicant Types grid and click .
• A message appears to confirm that the applicant type should be deleted. Click Yes to delete the applicant type or No to retain the applicant type and return to the Applicant Types page.
• Once Yes is clicked, a success message appears to confirm that the applicant type was deleted. Click OK to return to the Applicant Types page.

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Configuring Sort Order

The Sort Order function enables administrators to determine the order in which applicant types appear in an application. The sort order configured in the Applicant Types page overrides the order in which applicant types are added to an application type in the Table Entries tab of Loan Application Types. Reference the image below for an overview of how the sort order of applicant types is determined in an application:

To modify the order of applicant types within the Applicant Types page:

• Highlight the desired applicant type within the Applicant Types grid.
• Drag and drop the applicant type into the desired order in the grid.
• Once all applicant types are in the desired location, click  to commit the sort order.
• A message appears to confirm that the sort order should be saved. Click Yes to update the sort order or No to retain the current sort order and return to the Applicant Types page.
• Once Yes is clicked, a success message appears to confirm that the Applicant Type sort order was saved. Click OK to return to the Applicant Types page.
• The numbers within the Sort Order column update to ascending numerical order.

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