Commercial Loan Extract PS_CMLLOAN_EXTRACT Application Extension ID: 1587ac0b-ac48-440c-b0a3-a2191b75fd93. Commercial Loan Analysis

Transcription

1 Commercial Loan Extract PS_CMLLOAN_EXTRACT Application Extension ID: 1587ac0b-ac48-440c-b0a3-a2191b75fd93 Commercial Loan Analysis

2 , Inc. or its affiliates. All rights reserved. This work is confidential and its use is strictly limited. Use is permitted only in accordance with the terms of the agreement under which it was furnished. Any other use, duplication, or dissemination without the prior written consent of, Inc. or its affiliates is strictly prohibited. The information contained herein is subject to change without notice. Except as specified by the agreement under which the materials are furnished,, Inc. and its affiliates do not accept any liabilities with respect to the information contained herein and is not responsible for any direct, indirect, special, consequential or exemplary damages resulting from the use of this information. warranties, either express or implied, are granted or extended by this document. is a registered trademark of, Inc. Other brands and their products are trademarks or registered trademarks of their respective holders and should be noted as such. PS_CMLLOAN_EXTRACT 2

3 Overview: This application creates following extracts: LOAN_MMDDYY.CSV GUAR_MMDDYY.CSV COLLATERAL_MMDDYY.CSV DEPOSIT_MMDDYY.CSV te: MMDDYY is the Queue Effective Date Key Benefits: This application generates report and comprehensive extracts of the commercial borrower s accounts to help an institution for the financial analysis. Processing: This batch application PS_CMLLOAN_EXT - Commercial Loan Extract produce four separate data extract files for the purpose of financial analysis. A calculation variable (8LED) is established to automatically store (in the DNA database) the last date the application was run. The purpose of storing the last date is to be able to provide accurate information on the accounts that have been added or closed during the time period between consecutive extracts. The data files created by the extract application are comma delimited with the file name extension of.csv. The file names also reflect the date the extract was created. Files are created without a heading row. The LOAN_MMDDYY.CSV file is used to create and update loan information. The GUAR_MMDDYY.CSV file is used to create and update customer information for coborrowers and guarantors, and to associate these customers with the relevant loan records. A row for each Co-Borrower or Guarantor that exists for an account appears in the file. The COLLATERAL_MMDDYY.CSV file is used to create and update collateral records. A record for each piece of Collateral that exists for an account is included in the file. Additionally if more than one current appraisal exists for a piece of property, a separate record for each of the current appraisals is included in the file. The DEPOSIT_MMDDYY.CSV file is used to create and update deposit records. Only deposit accounts where tax owner is also listed in the LOAN_MMDDYY.CSV or GUAR_MMDDYY.CSV file are included in the Deposits file. PS_CMLLOAN_EXTRACT 3

4 Parameters: This Application uses the following parameters: Parameter Code Description (how used) Required Default Output File COUP Path Major Account Type Code Minor Account Type Code Account Statuses to Include Relationship Role Codes Phone Number Use Codes Contact Fax Number Use Code Mask Tin Information MJCD MICD DRST RRC PNCD CFN MTIN The path to the folder to write the extract file to must be fully qualified (e.g. c:\temp\ ) and contain the backslash at the end of the string Comma-delimited list of major account type codes. If left blank, default value will be used. Comma-delimited list of minor account type codes. If left blank, all applicable accounts are included, regardless of current minor account type. Comma delimited list of account statuses to include: Example: ACT,NPFM If left blank, all applicable account statuses are included. The Guarantor/Joint Owner file is built based on what is input here. A single code or a comma separated list can be input here. When left blank the default list of role codes are GUAR, OWN. A comma-separated list of Phone use codes to be extracted for Phone1 and Phone2. The first phone found using the order of input list is determine what phone number is sent in Phone1 and the second one found is sent in Phone2. If left blank, this parameter value defaults to PER, BUS. A Fax use code to be extracted for fax number. If left blank, this parameter value defaults to FAX. When value is Yes (Y) the Tin numbers in the extract file will be masked. When value is (N) the Tin numbers in the extract file will not be masked. Queue Output Directory PS_CMLLOAN_EXTRACT 4 CML <Blank> ACT,NPFM GUAR,OWN PER,BUS FAX N

5 Exceptions: Condition Exception Messages Exception Number Tax ID is missing for a person or organization. Member Number is not defined for a person or organization. Member Number is has been defined for more than one person or organization. A Tax ID cannot be found for Person Number [ ] Or ( when the entity is an organization) A Tax ID cannot be found for Organization Number [ ] This entity has been excluded from all files. The Member Number cannot be found for Person Number [ ] Or ( when the entity is an organization) The Member Number cannot be found for Organization Number [ ] This entity has been excluded from all files. The Member Number is duplicated for Person Number [ ] Or ( when the entity is an organization) The Member Number is duplicated for Organization Number [ ] This entity has been excluded from all files. APPLNBR 01 APPLNBR 02 APPLNBR 03 Variables: The following application-level variable is used to determine when the last time batch application was run. Calculation Variable Code Description (how used) Data Type Default Last Export Date 8LED The date of the last time the extract files were produced. DATE <Blank> The above calculation variable is supported at the Application level. The above calculation variable is associated to the below calculation type under calculation category of Last Export Date (8LED) Calculation Type Last Export Date Code 8LED General Information: This job may be run at any time as needed. PS_CMLLOAN_EXTRACT 5

6 Report: A Report listing the total number of records in each file is generated. File Layouts: Output File Layout Comma Separated File 1: Loan Information and Primary Borrower Information This file is used to create and update loan information. To create the loan record, customer Information must also be present. Field Format Description Location Branch or Office Name Account Rep Loan Officer or Relationship Manager Name Admin Rep Secondary Officer, Representative. When an Account Officer exists, that value is here. Loan Account Number te Number, Loan Number Product Type Loan Type - Commercial Real Estate, Home Equity Line of Credit, Commercial Revolving Line of Credit, etc. Current Balance Account Balance o/s as of report date Maturity Date MM/DD/YYYY Loan Maturity Date Funding Date MM/DD/YYYY Effective Date of the first Loan Disbursement Interest Rate Current Interest Rate on Loan Product Term Loan Term in Months Loan Amount te Amount Spread Margin to be added to indexed rate PS_CMLLOAN_EXTRACT 6

7 Field Format Description Amortization Type When the BALLOONYN = Y Balloon is extracted. Otherwise the payment type(s) for the Principal and Interest (P& I) for the account is extracted: Fixed Balance Fixed Due Calc Int on Pmt Fixed Principal and Interest Var Due Calc Int on Pmt Variable Actual Balance Variable Average Balance Variable Calculated Interest When more than one type has been defined for the P&I a comma separated list of payment types is extracted. Interest Frequency Monthly, Quarterly, etc. Principal Frequency Monthly, Quarterly, etc. Product Description Description of Loan in Acct Table if present Purpose Code Purpose Code or Description (Home purchase, Finance Equipment) Port Member Number is extracted. When a member number does not exist an exception is reported. Shadow Processing Y/N Flag for different accounting of TDR's, etc. Flag (checkbox) Accrual Balance Balance still accruing if different from Current Balance Net Balance Current Balance less any charge off Amount Past Due Total Amount Past Due Per Diem Amount Daily Interest amount Last Payment Amount of Last Payment Received Amount Accrued Interest Total of interest accrued Available Credit Amount of Line of Credit or Unfunded Loan available Payoff Amount Payoff amount from system Next Payment date MM/DD/YYYY Payment next scheduled on the system Last Payment Date MM/DD/YYYY Date Last Payment Received Full Name Legal Name DBA (if available) Doing Business As / Alias (Null in this case) Phone Primary Phone Phone Secondary Phone Fax Fax Number TaxID SSN for a Person FEIN or Other type on record for an Organization. When the Tax ID is missing an exception is reported and the account does not include in the File. Will be masked when MTIN field is set to Y. PS_CMLLOAN_EXTRACT 7

8 Field Format Description TaxIDFlag(ssn vs. fein ID) Indicator what type of Tax ID S SSN for a Person E FEIN for an Organization O Any other Type of Tax ID submitted that is not a FEIN for an Organization Will be masked when MTIN field is set to Y. Customer's address. Street1 Customers Street Address Street2 Customer Address Continued City Customer City State Customer State Zip Customer Zip Account Status Account Status Last Payment Billed Numeric Last payment billed amount Amount Times 30 days past Numeric Number of times 30 days past due due Times 60 days past Numeric Number of times 60 days past due due Times 90 days past Numeric Number of times 90 days past due due Times 120 days past Numeric Number of times 120 days past due due Times 150 days past Numeric Number of times 150 days past due due Times 180 days past Numeric Number of times 180 days past due due 6 Month Average Deposit History Numeric The 6 month average balance for all Deposit Accounts owned by the Tax Owner of the Loan Account Highest loan balance Numeric Highest loan balance amount over the life of the loan amount Lowest loan balance Numeric Lowest loan balance amount over the life of the loan amount Risk Rating Risk Rating. Found on screen Loan Codes and Categories in core Loan Rate Numeric Current fixed/variable rate of the loan Minor Account Minor Code Description Description Contract Date MM/DD/YYY Contract Date of the Account First Due Date MM/DD/YYY First due date from Account File 2: Co-Borrowers and Guarantors Extract File This file is used to create and update customer information for co-borrowers and guarantors, and to associate these customers with the relevant loan records. A row for each Co- Borrower or Guarantor that exists for an account appears in the file. PS_CMLLOAN_EXTRACT 8

9 Field Format Description Location Branch or Office Name Account Rep Loan Officer or Relationship Manager Name Admin Rep Secondary Officer, Representative. When an Account Officer exists, that value is here. Loan Account Number te Number, Loan Number Product Type Loan Type - Commercial Real Estate, Home Equity Line of Credit, Commercial Revolving Line of Credit, etc. Full Name Legal Name DBA (if available) Doing Business As / Alias (Null in this case) Phone Primary Phone Phone Secondary Phone Fax Fax Number TaxID SSN for a Person FEIN or Other type on record for an Organization. When the Tax ID is missing an exception is reported and the account does not include in the File. TaxIDFlag(SSN vs. FEIN ID) Indicator what type of Tax ID S SSN for a Person E FEIN for an Organization O Any other Type of Tax ID submitted that is not a FEIN for an Organization Port Member Number is extracted. When a member number does not exist an exception is reported Customer's address. Street1 Customers Street Address Street2 Customer Address Continued City Customer City State Customer State Zip Customer Zip city, state, zip City, State, Zip Loan Relationship (Borrower vs. Guarantor) Minor Account Description Borrower/ Guarantor / Other Account Role Description Minor Code Description File 3: Collateral Extract File This file is used to create and update collateral records. A record for each piece of Collateral that exists for an account is included in the file. Additionally if more than one current PS_CMLLOAN_EXTRACT 9

10 appraisal exists for a piece of property, a separate record for each of the current appraisals is included in the file. Field Format Description Location Branch or Office Account Rep Loan Officer or Relationship Manager Admin Rep Secondary Officer, Representative. When an Account Officer exists, that value is here. Loan Account Number te Number, Loan Number Product Type Loan Type - Commercial Real Estate, Home Equity Line of Credit, Commercial Revolving Line of Credit, etc. Full Name Legal Name TaxID SSN for a Person FEIN or Other type on record for an Organization. When the Tax ID is missing an exception is reported and the account does not include in the File. TaxIDFlag(SSN vs. FEIN ID) Indicator what type of Tax ID S SSN for a Person E FEIN for an Organization O Any other Type of Tax ID submitted that is not a FEIN for an Organization Collateral Type Real Estate, Accounts Receivable Collateral Code Code used for Collateral Description Description of Collateral Appraised Value Most Recent Appraised Value Appraised By Appraiser Organization Name Valuation Date MM/DD/YYYY Date of Most Recent Appraisal Last Review MM/DD/YYYY Date of Last Collateral Review Next Review MM/DD/YYYY Date of Scheduled Collateral Review Port Member Number is extracted. When a member number does not exist an exception is reported. Minor Account Description Minor Code Description File 4: Deposits Extract File This file is used to create and update deposit records. Only deposit accounts where tax owner is also the borrower, co-borrower, and guarantor or has an account role that qualifies them for inclusion in the LOAN_MMDDYY.CSV or GUAR_MMDDYY.CSV file are included in the Deposits file. PS_CMLLOAN_EXTRACT 10

11 Field Format Description Location Branch or Office Account Rep Officer or Relationship Manager for account Admin Rep Secondary Officer, Representative. When an Account Officer exists, that value is here. Account Number Number of Deposit Account Product Type Deposit Type - DDA, Savings or Time (COD) Current Balance Balance in account Maturity Date MM/DD/YYYY Date COD Matures Open Date MM/DD/YYYY Date account opened Interest Rate Rate on Deposit Account Average Balance Average Balance on Account. Current month to date value. (CMTD) Daily Interest Amount Daily deposit interest amount accruing Port Member Number is extracted. When a member number does not exist an exception is reported Accrued Interest Balance of interest accrued on account and not paid Interest Frequency Interest paid monthly, quarterly, daily, etc. Next payment date MM/DD/YYYY Date next interest payment Full Name Legal Name TaxID SSN for a Person FEIN or Other type on record for an Organization. When the Tax ID is missing an exception is reported and the account does not include in the File. TaxIDFlag(SSN vs. FEIN ID) Account Status Account Status Minor Account Type Minor Code Description Description Indicator what type of Tax ID S SSN for a Person E FEIN for an Organization O Any other Type of Tax ID submitted that is not a FEIN for an Organization PS_CMLLOAN_EXTRACT 11

12 Additional Requirements: DNA 4.0 or higher..net Framework 3.5 or higher Configuration Checklist: Item Parameters Variables Test Environment Production Environment Installation: Copy the PS_CMLLOAN_EXTRACT.SQT (Batch Process to the PS batch application directory; this is typically G:\OSI\BANK\BAT_EXE\PS (or the location specified in the BATP Institution Option). This application requires the running of the script PS_CMLLOAN_EXTRACT.SQL (Setup Script): Copy this file to any directory accessible to the applicable SQL application (SQL Talk, PL/SQL Developer, etc.) You need to run the setup script to register the application, parameters, and calculation type and calculation variables. PS_CMLLOAN_EXTRACT.DOCX (Documentation): Copy this file to any directory accessible to the employees who need to understand how this application works. The PS_CMLLOAN_EXTRACT.SQT can be copied to the correct folder any time before the application is run. This application requires an Authorization Key. After the primary installation instructions have been completed, you must apply the Authorization Key. Using the System Manager/Application Manager functionality, enter the supplied Authorization Key for this application. This application includes custom stored procedures that need to be loaded on the database. As with any stored procedure, please do not load it while the system is in ONLINE mode, or while batch is running. To load the stored procedures please use the Oracle Object Manager in the SAF Resource Kit. To download Resource Kit: On Extranet, go to Core --> SAF --> SAF Resource Kit Releases --> latest release --> Download File. This will install the resource kit. To run the utilities: Start --> All Programs --> Open Solutions Resource Kit will open windows explorer showing various utilities. Open OracleObjectManager and launch OSI.SafRk.OracleObjectManager.exe. PS_CMLLOAN_EXTRACT 12

13 The SAF Resource Kit tools use Oracle client and therefore should preferably be run from App Server -- or at least from a machine that has Oracle client installed on it. If you have any questions while using these tools, please contact the Client Care group for assistance. Revisions: Date App Version # Change 08/ Modified to use calculation variable as application level variable 01/ Added Minor Account Type Description to Co-Borrowers and Guarantors Extract File and to Collateral Extract File 09/ Fixed Phone1 and Phone2 on Loan file and Co-borrowers file 06/ Added Minor Account Type Description to Deposit and Loan files, added Contract Date and First Due Date to Loan file. Fixed Next Payment Due Date to populate on Loan File. 12/ Added code to remove carriage returns and line feeds from the property description. 11/ Corrected issue with 2 sets of double quotes in Collateral file FullName field. Added coding to remove Double quotes from Description field. 10/ Changes made for Wolters Kluwer including several additional fields in Loan, Collateral and Deposit Extract Files and MTIN parameter 11/ Initial Revision PS_CMLLOAN_EXTRACT 13