Visible Equity Extract PS_VISIBLE_EQUITY Application Extension Id: 0f89ffbe b362-f6a289b2e7d4. Visible Equity Loan Portfolio Extract

Transcription

1 Visible Equity Extract PS_VISIBLE_EQUITY Application Extension Id: 0f89ffbe b362-f6a289b2e7d4 Visible Equity Loan Portfolio Extract

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_VISIBLE_EQUITY 2

3 Overview: This application provides the ability to export current loan data to the Visible Equity Loan Portfolio Analysis solution at the end of the month to help identify measure and monitor the risks and opportunities in your loan portfolio. Key Benefits: For financial institutions using Loan Portfolio Analysis from Visible Equity, this application automatically generates output files containing borrower and loan information required by Visible Equity for providing loan portfolio analysis to measure and monitor the risks and opportunities in their loan portfolio. This DNAapp helps save time by automatically extracting the required information versus manual data entry. Using this DNAapp, analysts, CFO s, Chief Lending Officers and Lenders can better leverage the Loan Portfolio Analysis solution from Visible Equity to manage their loan portfolios, including: Collateral Values ALLL Trending & Migrations Default Profitability Modeling Concentration Risk Lending Optimization Portfolio Stress Testing CRE Stress Testing Static Pool Analysis Loan Risk Rating Performance Reporting Data Warehousing Processing: This application is accessed through the Batch Processing Maintenance screen in the DNA application at the end of each month which produces seven (7) comma separated values files containing the information required by Visible Equity. 1. OWNERS.CSV Contains all persons and organizations that are the tax reported for owner of a loan being extracted, or have the OWN or SIGN role (depending on Roles to Include parameter value) on a loan being reported. 2. CREDITSCORES.CSV Contains a history of all the credit score data for the loan owners listed in the OWNERS.CSV file. This file can be linked to OWNERS.CSV by the Owner ID field. PS_VISIBLE_EQUITY 3

4 3. LOANS.CSV Contains information regarding the loans being reported. This file can be linked to the OWNERS.CSV file using the Owner ID 1-4 fields. 4. PROPERTIES.CSV Contains information on the properties related to the loans in the extract. This file can be linked to the LOANS.CSV using the Loan ID field. 5. LIEN.CSV Contains information on all the properties listed in the PROPERTIES.CSV extract. This file can be linked to PROPERTIES.CSV using Property ID field. 6. PROPUSERFIELDS.CSV Contains user field information for all the properties listed in the PROPERTIES.CSV file. This will only be created if the Property User Fields parameter contains valid property user field codes. 7. LOANUSERFIELDS.CSV Contains user field information for all the loans listed in the LOANS.CSV file. This will only be created if the Account User Fields parameter contains valid account user field codes. Parameters: Parameter Code Description (how used) Required Default Output File Path 8OUP Complete path name where output file should be created. Batch Queue Output Directory Major Account Type Code Credit Organization Number Roles to Include Property User Fields Account User Fields Current Acct Status Code MJCD Comma-delimited list of account majors. CNS,MTG,CML 8SCR The organization number of the credit reporting agency to use when populating the CREDITSCORES.CSV file. If this is left blank, the most recent score will be used, regardless of the source. ROLI A comma separated list of account role codes to use for the Owner ID (2, 3 and 4) fields in the LOANS.CSV extract as well as include in the OWNERS.CSV extract. 8PRU A comma separated list of up to 50 property user field codes. When this is populated the PROPUSERFIELDS.CSV extract will be produced containing the values of the user fields provided for each property in the PROPERTIES.CSV extract. 8ACU A comma separated list of up to 50 account user field codes. When this is populated the LOANUSERFIELDS.CSV extract will be produced containing the values of the user fields provided for each account in the LOANS.CSV extract. CASC Comma-delimited list of account status codes that should be included in the extract. <Blank> OWN, SIGN <Blank> <Blank> ACT,NPFM PS_VISIBLE_EQUITY 4

5 Parameter Code Description (how used) Required Default Mask TIN Information MTIN If this Y/N parameter is set to Y, TINs will be masked in the extract file using the standard core masking format. When set to N, TINs will be not be masked. Yes Y Primary Employee Role Code Underwriter Role Code 8PER 8URC Employee Role Code to use when extracting Loan Officer name in the LOANS.csv file extract. If left blank, Loan Officer name will not be included. Underwriter Role Code to use when extracting Underwriter name in the LOANS.csv file extract. If left blank, Underwriter name will not be included. <Blank> <Blank> Scheduling and re-run information: The report is a non-updating batch application which can be run whenever required. As this report generated month end date for Visible Equity, we suggest this to be run at month end. Reports: The application generated 7 loan data files for Visible Equity. The LIS file contains count of record available in each file. PS_VISIBLE_EQUITY 5

6 File Layout(s): The report contains the name and number of records written into each extract file. All files produced by this extract use the Comma Separated Values (CSV) format. Output File Layout(s) Comma Separated OWNERS.CSV Owner ID This contains an ID built using the initial character to identify the owner type ( P for person and O for organization, concatenated with the DNA s internal person number or organization number, making a unique key. Salutation A person s salutation. <blank for organizations> First Name A person s first name. <blank for organizations> Middle Initial A person s middle initial. <blank for organizations> Last Name A person s last name. <blank for organizations> Suffix A person s suffix. <blank for organizations> Organization Name An organization s name. <blank for persons> Address Line 1 The first line of the owner s primary address. Address Line 2 The second line of the owner s primary address. Address Line 3 The third line of the owner s primary address. Address Line 4 The forth line of the owner s primary address. Address Line 5 The fifth line of the owner s primary address. City City of the owner s primary address. State State of the owner s primary address. Zip Code (5) Digit Zip code of the owner s primary address. Tax ID Digit Tax ID. Home The home address associated with the address use code found at the institution level variable HEML Home Address Use Cd. Home Phone The home phone number associated with the phone use code found at the institution level variable HPHE Home Phone Use Code. CREDITSCORES.CSV Owner ID This contains an ID built using the initial character to identify the owner type ( P for person and O for organization, concatenated with the DNA s internal person number or organization number. Score Date MM-DD-YYYY The date the credit score was loaded. Credit Score 999 The credit score reported on the Score Date for the Owner ID. LOANS.CSV Loan ID This is the unique ID (account number) for the loan. PS_VISIBLE_EQUITY 6

7 Owner ID 1 This contains an ID built using the initial character to identify the owner type ( P for person and O for organization, concatenated with the DNA s internal person number or organization number. This is the primary tax owner of the account. Owner ID 2 This contains an ID built using the initial character to identify the owner type ( P for person and O for organization, concatenated with the DNA s internal person number or organization number, making a unique key. This is the first nontax signer or non-tax owner of the account when Roles to Include parameter is left blank, else it will depend on the roles passed in the parameter Roles to Include Owner ID 3 This contains an ID built using the initial character to identify the owner type ( P for person and O for organization, concatenated with the DNA s internal person number or organization number, making a unique key. This is the second non-tax signer or non-tax owner of the account when Roles to Include parameter is left blank, else it will depend on the roles passed in the parameter Roles to Include Owner ID 4 This contains an ID built using the initial character to identify the owner type ( P for person and O for organization, concatenated with the DNA s internal person number or organization number, making a unique key. This is the third nontax signer or non-tax owner of the account when Roles to Include parameter is left blank, else it will depend on the roles passed in the parameter Roles to Include Major Account This is the major account type of the loan. CML = Commercial, Type Minor Account Type MTG = Mortgage, and CNS = Consumer. This is defined by the financial institution. It contains a code with a maximum length of 4 characters used to identify a specific product within the Major Account Type. Current Account Status This field contains the current account status, such as ACT = Active, CLS = Closed, NPFM = nperforming. Contract Date MM-DD-YYYY The date recorded as the beginning of the loan. Days In Term The number of days in the full term of the loan. Maturity MM-DD-YYYY The maturity date of the loan. First Due Date MM-DD-YYYY The date the first payment is/was due. Current Due MM-DD-YYYY The current due date of the loan. Date Grace Days The grace days allowed for this loan. Next Due Date MM-DD-YYYY The next due date of the loan. Account The current balance of the loan. Balance Interest Rate The current interest rate of the loan. P&I Payment The current P&I payment amount. Amount Past Due 30 Days The number of times the account was past due 30 days. PS_VISIBLE_EQUITY 7

8 Past Due The number of times the account was past due 60 days. Days Past Due The number of times the account was past due 90 days. Days Past Due The number of times the account was past due 120 days. Days Original Loan The original loan amount. Amount Original Credit 999 The credit score used when the loan was created. Score Loan Limit The loan limit amount. Amount Anticipated Payoff Date MM-DD-YYYY Estimated Maturity Date/ null for open ended loans. Current Branch Numeric The branch number associated with the account. Dealer Group Number The account group number with an account group type code of Dealer (DLR) associated with the account. Rate Type (Fix/Variable) This will display Fixed (FIX) or Variable (VAR) based on the rate type of the loan. Escrow Numeric The amount of scheduled escrow payments. Payment Purpose The purpose code on the loan. Loan Source The loan source code on the loan. Refi Balance Numeric This is from the Refinance Information Section on the Codes and Categories screen in DNA Risk Rating The risk rating code on the loan. LIP Balance Numeric The LIP BAL amount. Sold Numeric For investor and participation loans. Percentage Sold Amount Numeric For investor and participation loans. Quality The loan quality code. NAICS Sector NAICS Sector (first 2 digits from the account level NAICS code) NAICS Subsector NAICS Subsector (first 3 digits from the account level NAICS code) NAICS Group NAICS Group (first 4 digits from the account level NAICS code) NAICS Sub Group NAICS Sub Group(first 5 digits from the account level NAICS code) NAICS NAICS Industry (all 6 digits from the account level NAICS code) Industry Underwriter Person name for the role as defined in Underwriter Role Code (8URC) runtime parameter Loan Officer Person name for the role as defined in Primary Employee Role Code (8PER) runtime parameter PROPERTIES.CSV Property ID This is the unique ID (property number) for the property. PS_VISIBLE_EQUITY 8

9 Loan ID This is the unique ID (account number) for the loan associated with this property. Property Type The type of property. Initial Value First appraised value of the property. Initial Value MM-DD-YYYY The date of the first appraisal. Date Current Value Most recent appraised value of the property. Current Value Date MM-DD-YYYY The date of the most recent appraisal. Address Line 1 The first address line of the property s address. Address Line 2 The second address line of the property s address. Address Line 3 The third address line of the property s address. Address Line 4 The forth address line of the property s address. Address Line 5 The fifth address line of the property s address. City City of the property s primary address. State State of the property s primary address. Zip Code (5) Digit Zip code of the property s primary address. Property Description Contains additional information about the property for example, the make, model, year and VIN of an automobile. Location Description The Location Description of the property with line breaks and commas removed. Parcel Number Numeric The parcel number of the property. Property Value Numeric The property value, not the appraised value. Appraisal Type The appraisal type code of the last appraisal. Property is in The value of the property flood zone indicator. Y or N. Flood Zone Flood Panel The flood panel value of the property. Redeterminatio n Date MM-DD-YYYY The redetermination date of the property. Residual Value Numeric The residual value of the property. Occupancy Status The occupancy code on the property. Margin Percent Numeric This is from the field on the property record in the Collateral Review and Relationship screen in DNA. Purchase Price Numeric The purchase price of the property. LIEN.CSV Lien ID Number This is the unique ID (lien number) for the lien. Property ID Number This is the unique ID (property number) for the property associated with this lien. Lien Amount Number The amount of the lien. Lien Type The character code representing the type of lien. Code Lien The text describing the lien. Description Account Number Number This is the account number associated with the lien. PS_VISIBLE_EQUITY 9

10 PROPUSERFIELDS.CSV Property ID The unique identifier used in the PROPERTIES.CSV file. User Field Code The user field code. Only property level user fields will be included in this file. User Field Value The user field value. LOANUSERFIELDS.CSV Loan ID The unique identifier used in the LOANS.CSV file. User Field Code The user field code. Only account level user fields will be included in this file. User Field Value The user field value. PS_VISIBLE_EQUITY 10

11 Additional Requirements: Requires purchase or subscription to a third-party solution. Third-party solution is not included in the price of this app. o This DNAapp was originally designed to work with the Loan Portfolio Analysis solution from Visible Equity o Vendors/solutions not listed may also work with this application; please check with your vendor of choice if they are not listed here. Please note: changes by third-party vendors to their systems, files and integration approaches that impact the functionality of this DNAapp are not covered under maintenance. Configurable Checklist: Item Parameters Installation: Test Environment Production Environment te: If you obtained this application from the DNAappstore, please disregard the installation instructions below. If you did not obtain this application from the DNAappstore, please complete the installation instructions below. te: Contact your third-party solution provider for instructions on configuring your third-party solution to accept and process the extract file(s) created by this DNAapp. Copy PS_VISIBLE_EQUITY.SQT to the Batch Process to the PS batch application directory; this is typically G:\OSI\BANK\BAT_EXE\PS (or the location specified in the PS Batch Report Directory BATP Institution Option). This application requires the running of the script PS_VISIBLE_EQUITY.SQL (Setup Script): Copy this file to any directory accessible to the applicable SQL application (SQL Developer, PL/SQL Developer, etc.) You need to run the setup script to register the application. 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. PS_VISIBLE_EQUITY 11

12 Revisions: Date App Version # Change 05/ Added parameters Primary Employee Role Code (8PER) and Underwriter Role Code (8URC). 11/ Added the Account Number to the LIENS.CSV file and added TIN masking. 12/ Repacked and re-documented for DNAappstore Added User Field files and additional fields to several of the other fields. Added Liens Extract and couple of additional fields to Loans extract Initial Version 12/ Initial Version PS_VISIBLE_EQUITY 12