When an application is decisioned, three separate decisions are determined: a loan decision, an account decision, and a decision for the overall application. Reference the table below for an overview of when decisions are calculated during the application process:

Decision	When Calculated
Loan	Calculated when the Loan Application Type has a Decision Model assigned. Once a decision is rendered for a loan, the decision value populates within the LoanDecisionId field.
Account	Calculated when the Loan or Account Application Type has an Account Decision Model assigned, the primary applicant is a non-account holder, or the Account Decision for Existing Account Holder parameter is set to Require Decision by the system administrator in the System tab of the Origination page (System Management > Modules >Origination). Once a decision is rendered for an account, the decision value populates within the AccountDecisionId field. For more information on the Account Decision for Existing Account Holder parameter, please see the Origination topic in the Administrator Guide.
Application	Calculated when a Loan or Account Decision is required.   The Application Decision is calculated as the lowest possible decision value when combining the Loan Decision and Account Decision. The decision values are ranked lowest to highest in the following order: LO Rejected Auto Rejected None LO Approved Auto Approved Once a decision is calculated for the overall application, the decision value populates within the DecisionId field.

The following table provides an overview of the possible Application Decisions calculated when an application requires both a Loan and Account decision, and the Decision Order is set to Loan First for the Origination module:

The value set within the Decision Order parameter in the Underwriting tab of the Origination page in System Management determines whether a loan decision or account decision is rendered first during the application process. For more information, please see the Underwriting Tab section of the Origination topic in the Administrator Guide.

Loan Decision	Account Decision	Application Decision	Application Status
Approved	Approved	Approved	Decisioned
Approved	Declined	Declined	Decisioned
Declined	Not Executed The DoAccountDecision field is available within Rules Manager to enable the ability to author a business rule that overrides the decisioning process when an account decision is required and the loan decision is declined. This field is not set by default, but may be configured to execute through rules in order to proceed with account decisioning when a loan is declined.	Declined	Decisioned
None	Not Executed	None	Pending Review

The table below displays the possible Application Decisions for an application requiring both a Loan and Account decision when the Origination module is configured to decision the Account first:

Application decisions are able to be rendered by two processes:

• Automated Decisioning
• Manual Decisioning

Both processes are accessible from the Application Toolbar and Workflow. Decisioning occurs one of the following ways:

• Selecting  within the Application Toolbar or in the top of the final screen of the Origination Workflow stage.

Clicking   runs the Decision Models assigned to the Sub-Product.

• Selecting or  within the Application Toolbar or in the top of the final screen of the Underwriting Workflow stage.

System administrators have the ability to determine whether or not account applications for existing account holders are automatically approved or require a decision within the System tab located in System Management > Modules > Origination. Reference the section below for an overview of the behavior that occurs in an account application when the system is configured to automatically approve or require a decision for an existing account holder: Account Decision for an Existing Account Holder The table below provides an overview of the behavior that occurs in an account application when the system is configured to automatically approve or require a decision for an existing account holder: Account Decision for Existing Account Holder Behavior in Application Auto Approve The , , and  buttons are disabled within the Application Toolbar as well as the final Origination and Underwriting Workflow screens. Upon clicking , the application workspace automatically opens in the Approval stage of the workflow. Require Decision The , , and  buttons are enabled within the Application Toolbar, as well as the final Origination and Underwriting Workflow screens, to process the application through the Account Decision Model assigned to the Account Application Type. Upon clicking , the application workspace opens in the Origination stage of the workflow. For an overview of the Initialization process, please see the flowchart for the Account Application Process in the Application Processing Overview topic.

Additionally, users are able to issue Counteroffers if the original loan terms are undesirable.

Once a decision is rendered for a loan and/or an account, as well as the overall application, the values populate within the applicable Decision Id fields.

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