administrator’s guide - ontime.selient.comontime.selient.com/training/criterion14/criterion...

All content in this guide is confidential and the property of CRI Canada Ltd. It may not be copied or duplicated

in whole or in part without the written consent of CRI Canada Ltd.

Administrator’s Guide Version 17.0 Updated January, 2017

CONTENTS

Purpose of this Guide ........................................................................................................ 4

Required Information: ............................................................................................... 4

Getting Started .................................................................................................................. 5

Admin Menus .................................................................................................................... 6

CU Settings Menu .......................................................................................................... 6

Approval and General Parameters ............................................................................ 6

Conforming/Non-Conforming Mortgage Feature ..................................................... 7

Asset and Liability Valuation .................................................................................... 10

Branches .................................................................................................................. 12

Dealer App Setup ..................................................................................................... 13

Failed Committals .................................................................................................... 13

Filogix App Setup (Mortgage Brokers) ..................................................................... 14

Manage Lenders ...................................................................................................... 15

Member Direct ............................................................................................................ 18

CRIterion AD ................................................................................................................ 18

Risk Based Pricing ........................................................................................................ 19

Required Field Settings ................................................................................................ 19

System Admin Audit Trail Report ................................................................................ 20

Delete Members & Applications ................................................................................. 21

Restore Members and Applications ............................................................................ 22

Lender Settings Menu ................................................................................................. 23

Approval Permissions .............................................................................................. 23

Edit Tables ................................................................................................................... 26

Application Sources ................................................................................................. 26

Appraisers ................................................................................................................ 26

Approval Conditions ................................................................................................ 27

Base Rates ................................................................................................................ 27

Brokers ..................................................................................................................... 28

Class Codes .............................................................................................................. 28

Collateral Code ........................................................................................................ 29

Collateral Sub Type .................................................................................................. 29

CU Fees .................................................................................................................... 30

Dealerships .............................................................................................................. 30

Equipment Types ..................................................................................................... 31

Exception Codes....................................................................................................... 31

External Websites .................................................................................................... 32

Creating and Editing External Websites .................................................................. 32

FICOM Rating ........................................................................................................... 33

Fire Insurance .......................................................................................................... 33

General Ledger Number .......................................................................................... 34

General Collateral Types .......................................................................................... 34

Genworth Special Program ...................................................................................... 35

Genworth Products .................................................................................................. 35

Income Sources ........................................................................................................ 35

Other Liabilities ........................................................................................................ 36

Income/Employment Verification Sources .............................................................. 36

Intended Use ........................................................................................................... 36

Mortgage Renewals ................................................................................................. 37

Payment Sources ..................................................................................................... 37

Product Types and Rates ......................................................................................... 38

Purposes .................................................................................................................. 41

Relationship Code .................................................................................................... 41

Solicitors .................................................................................................................. 42

Source Code ............................................................................................................. 42

Transaction Code ..................................................................................................... 42

Form Scenarios ............................................................................................................ 43

Form Builder ............................................................................................................ 43

Consumer Scenarios ................................................................................................ 44

Workflows ................................................................................................................... 45

Task Editor ............................................................................................................... 45

Template Setup ........................................................................................................ 46

Copy Template ......................................................................................................... 47

Help Menu ................................................................................................................... 47

Logout .......................................................................................................................... 47

of 47

Administrator’s Guide v17

PURPOSE OF THIS GUIDE

Purpose

Welcome to CRIterion Admin. The purpose of this document is to outline the process for setting up and maintaining system administration tables using CRIterion. This system administration guide will provide you with the required information needed to set up and maintain credit union settings, lender limits, system and product defaults.. You can print hard copies of the following details from your banking system to prepare for the customization of CRIterion to suit your credit union.

Required Information:

Branch Addresses

Branch Transit Numbers

CRM/PPSA XML codes

Lender’s Authorized Limits

Edit Tables Details (Product Types, Purpose Codes, etc.)

CRIterion forms required for scenarios (e.g. ONPL01, ONPL02, etc.)

Workflow or Task Checklists (Tasks lenders need completed for various application types) any other details for customizing CRIterion system administration

of 47


GETTING STARTED

Use the following address to access the training environment. http://training.prolender.net/admin/

At the log on screen, enter your user ID and password. This training site is accessible anywhere you have access to the internet.

Live Site = https://www.prolender.net/admin

User Name = system administrator’s user name in the live environment

Password = system administrator’s password in the live environment

When CRIterion completes loading, you will see a screen, similar to the one shown below:

The following menus are used to set up your credit union.

CU (Credit Union) Settings

Lender Settings

Edit Tables

Form Scenarios

Workflow Note: System Administration is primarily a onetime set up process; however, there may be periodic maintenance required. It is important to maintain both your live and training environments so that they remain in sync and both systems behave consistently.

The system administrator will need to install his/her digital certificate before gaining access to the CRIterion live environment.

If you wish to practice system administration set up before setting up details in the live environment, the training environment will not require a digital certificate.

http://training.prolender.net/admin/

https://www.prolender.net/admin

of 47


ADMIN MENUS

The purpose of this section is to provide system administrators with a guideline to set up and manage credit union default settings as well as lenders’ limits for approval purposes in CRIterion. It is very important these parameters are set up in the live environment as soon as the system administrator has access to CRIterion. The training environment can be used to view or practice set up of system administration tables. If certain parameters are not set up in the live environment, CRIterion will not function properly and the system could crash.

CU Settings Menu

Approval and General Parameters

User Defined Rules for Lender Levels section - enter the criteria for Levels 1, 2, 3 & 4. Each level represents an increase in lending authority; and form the basis for individual lending limits as defined later in this guide. Enter values for minimum Beacon Score, minimum BNI Score, CRP and ERS Score (as they apply to your credit union), maximum allowed TDS and GDS, LTV Limits, RLTV and LTV Non-Conforming Limits (relating to conforming/non-conforming mortgages) and AD (IdealLender) Interest Rate Flexibility, if applicable. *NOTE - In order to enable the Conforming and Non-Conforming Mortgage feature, please contact the CRI Canada Client Care team.

If there is a shortfall or an unsecured portion, the user won’t be able to approve the application.

If these levels are left undefined, the CRIterion approval functionality may not work properly and lenders could encounter errors.

of 47


Conforming/Non-Conforming Mortgage Feature

To have this option is available to your Credit Union, CRI Canada must be notified so it can be

enabled in the CRI Canada Administration site.

RLTV LOC Limit % Max (Revolving Loan to Value): this limit pertains to the calculation and

verification of the sum of all applications that are line of credits and secured by real estate

(HELOCS). The total of the current application plus the sum of all existing HELOC’s must not

exceed the limit allocated (65% LTV), regardless if application is conforming or non-conforming.

To calculate the RLTV, CRIterion will capture the sum of all limits for HELOC’s associated the

property being used for collateral that has “Include in Net Worth” selected, plus the total

requested for the current application. This value will then be divided by the value of the

property.

If an application is a “Non-Conforming HELOC”, CRIterion will check the LTV Total LOC Limit %

Max, LTV Non-Conforming Limit % Max, and the LTV LOC limit % Max.

If an application is a “Conforming HELOC”, CRIterion will simply check the LTV Total LOC Limit %

Max, and the LTV LOC limit % Max.

A field will display on the Approval screen to identify the application as conforming/non-

conforming.

CU SETTINGS

Default Percent of Balance - to be used to calculate minimum payments on credit cards and line of credit liabilities. If you want lenders to be able to enter this rate at their discretion, enter ‘0’ in this field.

of 47


Default Credit Bureau - If your credit union uses both Equifax and Trans Union, you can set the default. Allow Officer to Override Assets/Liabilities Value Options - If this option is checked than all Lending Officers will have the ability to override asset or liability value options (market value verses purchase price).

Include Guarantors in Combined Adjusted GDS/TDS, and Net Worth - Check this option if you want to include guarantors in the adjusted GDS/TDS and Net Worth calculations. Enable Conditional Approvals - Check this option if you want to allow approvals that have conditions attached to them. Allow Other Income Gross Up - When checked this will allow lenders to gross up income (higher than 100%) based on credit union policy. Use GDS/TDS Checkbox - This checkbox will enable GDS/TDS check boxes in the Asset and Liability screens, as well as in the financial summary (Net Worth) screens in CRIterion, allowing lenders to choose which liabilities will affect the member’s TDS and GDS calculations. Use Net Worth Checkbox - This checkbox will enable Net Worth checkboxes in the Asset and Liability screens as well as in the financial summary (Net Worth) screens in CRIterion allowing lenders to choose which assets and liabilities will affect the member’s Net Worth calculations. SBL Loan Limit - This sets the limit for small business loans – This option is only active on commercial and agricultural loans. Enable Secured with Unsecured Limit Check - This flag will prompt CRIterion to check the unsecured aggregate value first and if the dollar amount passes, then CRIterion will check the total of the unsecured aggregate plus Secured aggregate to determine if the value is within the secured aggregate for an approval. Set APR on forms with total rate when APR is LESS THAN Total Rate on App. Details screen - Will only be visible for BC and Ontario credit unions and is for form population.

of 47


Select Branch to Default as the Lender Info on the AAFC Form - is for the population of this form.

Default Workflow Panel on All Applications - This setting will automatically open a workflow when an application is started.

Default Lender Branch - Sets the default reporting branch for all lenders. This can be their current logged-in branch if all branches operate on separate cost centres, or a specific branch such as Head Office if you are using one centralized cost centre for all lending.

Enable Web App (public interface) username/password - this option is no longer available.

Prime Rate Custom Name - This sets the display name that will appear on CRIterion screens that refer to prime rate. If left blank then the default display will remain prime rate. In November, 2016 the Prime Rate Name will be controlled in the Base Rate Table.

Enable FCT Button for Personal LOC/MTG on all Application Statuses - Not available.

CU AD Settings - this section allows for the setting of various Auto-Decisioning (IdealLender) defaults, if your credit union has implemented this software.

Enforce automated decision - Check this option if you want to enforce the IdealLender decision. This will mean that the application will be locked in the state that results from the IdealLender decision. For example, if the application is approved then the application status will set to ‘’Approved’’ and the lender would have to ‘’Pend’’ the application in order to make further changes. This would then void the approval and would require that the lender seek approval again either through IdealLender, a secondary approver, or using their own authority. AD Approval valid for XX months - This option defines how long a resulting auto decision from IdealLender remains valid. This will also apply to any Cross Sells that are a result of the decision.

Include in AD Requested Amount for Approval - These check boxes set the total amount that is requested in the Auto Decision process, check all that apply. Choosing these options will increase the requested amount by the total of all items checked.

Allow approval of IdealLender’s Amount + Insurance + Fees beyond AD Limit - If you also want to allow IdealLender’s approved amount to be exceeded by any Insurance and Fee’s check this box. This option will allow approval on the Requested but grant the Lender authority to exceed the approved amount to include any Insurance and Fees.

Allow approval of Insurance + Fees beyond AD Limit for Cross Sell initiated applications Check this option if you also want the Cross Sell amount to be exceeded by any Insurance and fees.

of 47


Asset and Liability Valuation

This screen displays the settings that your credit union requested during implementation. The settings can be viewed by, but not updated by, system administrators. If any changes are required, please send an email to [email protected] and notify your users of any proposed changes. This screen is display only because any requested changes will be applied after business hours.

mailto:[email protected]

of 47


On Detailed Financial Summary; Combined Financial Summary

If checked, selected settings (e.g. Use limits or balances) on the detailed financial summary screen will be the same as the approval screen. i.e. Realized assets only

If unchecked (commonly used), selected settings (e.g. Use limits or balances) on the combined financial summary screen will be same as the approval screen. i.e. Includes Pending assets and Realized assets

Indicate if defaults set up for assets are to be valued at market value or at purchase price

Indicate if defaults set up for liabilities are to be valued at current balance or opening amount/ limit.

On Collateral

Typically this is set to current balance to be used on collateral for assessing the net lending value vs any prior encumbrances.

On Approval

Depending on your credit union’s policies and procedures, this will be the value used in the aggregates for approval.

On Forms

Choose the value that you want to print on any documents that refer to liabilities.

of 47


Branches

This screen allows you to edit branch details already entered by CRI Canada.

Select the relevant branch to be edited and click the Edit/Save button.

Enter branch details: Name of Branch, phone, fax, contact, email address etc.

Enter Transit Code: this field is for mapping information to GE Interface for high ratio mortgages, the PAT screen in Application Details and the PAP screen for monthly premium insurance.

Client call-in number can be entered for each individual branch and will be used on selected forms where a client call-in number is required, such as Cost of Credit forms.

Note: Any branch additions need to be requested via [email protected]. A request form will be sent to your system administrator to complete required information before branches are considered as set up on CRIterion. Lenders will only be able to use CRIterion after the details have been successfully added (e.g. GE Transits, Equifax Numbers, etc). Please allow approximately one month lead time in preparation for a new branch to be set up.

mailto:[email protected]

of 47


Dealer App Setup

The Dealer App setup screen configures defaults for incoming DealerTrack applications in CRIterion. This screen is only available if the DealerTrack interface has been assigned to the credit union.

Enter Default Product: select the product to be used as the default for these types of applications.

Enter Purpose Code: select the purpose code to be used as the default for these types of applications.

Enter Default Branch: select the branch to be used as the default for these types of applications.

Enter Collateral Code: select the collateral code to be used as the default for these types of applications.

Enter Collateral Sub-Type: select the collateral sub-type to be used as the default for these types of applications.

The e-mail notification setting for Dealer Apps is in the Branch details screen.

Failed Committals

The failed committals screen allows administrators to commit these loans within CRIterion should the banking system is down and committals fail. This feature does not commit the application to the banking system.

Select the relevant application, click the Change Status to Committed checkbox, and enter an account number.

Click either the Commit Selected Items or the Commit All button to update.

This action will: 1) Create the liability in CRIterion; 2) Commit Insurance; 3) Change the Status to Committed.

of 47


Filogix App Setup (Mortgage Brokers)

The Dealer App setup screen configures defaults for incoming Mortgage Broker applications in CRIterion. This screen is only available if the Filogix interface has been assigned to the Credit Union.

Enter Default Product: select the product to be used as the default for these types of applications.

Enter Purpose Code: select the purpose code to be used as the default for these types of applications.

Enter Default Branch: select the branch to be used as the default for these types of applications.

Enter Collateral Code: select the collateral code to be used as the default for these types of applications.

Enter Collateral Sub-Type: select the collateral sub-type to be used as the default for these types of applications.

Filogix Notification Email: Enter the email to which the notification for these types of applications will be sent to.

of 47


Manage Lenders

This menu option provides a list of branches within your credit union and the associated users. Selecting a branch and clicking the Officers button allows you to view each loan officer’s User ID and how many users are set up for each branch.

System administrators can reset users’ passwords by using the Edit option; or delete user IDs by using the Delete option.

To add or make changes can be made to staff User ID’s and contact information.

User permissions include: Allow Override on Approval Limits; Approving Officer (applies to 2nd level approvers); Restrict the ability to decline applications or commit applications to the banking system or within CRIterion. Finally, if processing renewals through CRIterion, whether users are able to process CRI Insurance (Lenders vs. CU Admin).

Click the Submit button to save the changes.

Clicking the Menu Items button will allow the system administrator to grant or restrict system administration authorities and/or specific consumer or commercial menu options, or specific menu items.

of 47


To Unlock a User

In Manage Lenders under the CU Settings menu, select the applicable branch.

Double click on the officer’s name to open

The Account is locked out box will be checked. Uncheck it and click Submit.

User’s Changing their Password

In CRIterion go to Tasks --> Lender Options --> Change Password to change their password.

To Create or Reset a User’s Password

If creating a new user of if an existing user has forgotten their password, create or find the user and edit the Password field accordingly. The password must be between 7 and 15 characters, contain a combination of upper and lower case plus one digit and one alphanumeric character. For example – Password,1

If a user forgets their password, in their log-in screen they have the ability to prompt a password reset with a temporary password which is generated and sent via e-mail.

of 47


To set up lender as System Administrator

Ensure *Special - *Supervisor* is enabled (found under the Menu Items)

System administrators will have access to both lender login and system administration login

To set up a lender with no admin access:

Ensure *Special - *Supervisor* is disabled (under Menu Items)

Lenders will have access to lender login but not system administration login.

To return to previous menu, click the Previous button. To add a lender:

From the main Manage Lenders screen, select the relevant branch, and click Add.

Enter a username, password, first name, and last name

Email address, officer code, and telephone number are optional, although you will need to enter a phone number if Genworth is used at your credit union and E-mail is required for Task Notifications and requests for approval to be sent.

Select the appropriate approvals/decline checkboxes

Click Add to complete the process.

of 47


To move a user to a different branch:

Open the branch where the user currently is listed.

Select the individual,

Select the branch where the user will be moving to

Click Move Officer to

Member Direct

The Member Direct menu (if enabled for your Credit Union) allows users to configure default products and messages for successful and failed application submissions from the web application. We are currently in beta testing for KonekRelate which will replace this feature.

CRIterion AD

This will menu allow IdealLender (AD) users to configure values for IdealLender AD scoring.

of 47


Risk Based Pricing

This feature is no longer used, and has been replaced by similar options in IdealLender.

Required Field Settings

From the Pages in CRIterion section, select the menu or screen you wish to set/amend.

Double-clicking the entry will bring all fields into the Optional Fields section.

To change a field from optional to mandatory, select the field and click the right arrow.

To change a field from mandatory to optional select the field and click the left arrow.

Setting fields to mandatory will display them as grey in the LOS and the user will be unable to proceed unless these fields are completed.

of 47


System Admin Audit Trail Report

This menu allows administrators to view administration activity, such as which fields were amended and which lender made the changes. Searches can be made within a specific time period, for a specific month, by a specific user or all users, and for specific screens or all screens. Search by Calendar Month

Select the month and amend the year, if necessary

Select the officer and screen (by default, these will be set at All Officers and All Screens)

Click Search

The results are displayed below the search grid

Search by Date

Click the By Date button

Enter a from and to date

Select the officer and screen, if applicable

Click Search

of 47


Delete Members & Applications

The system administrator can delete a member`s profile and/or applications and credit bureau reports using this menu. To delete a member:

Enter the member’s ID#/CIF#, or last name

Click Start Search

Double-click the member’s name

Click the Delete Member button

To delete an application or a credit bureau:

Follow the same steps as above

Select the application or the credit bureau

Click either the Delete This Application button or the Delete This CB Report button

of 47


Restore Members and Applications

Should a member’s profile or application be deleted in error, the administrator can use this menu to restore the information.

To restore an application:

Search for the member using the member’s ID#/CIF# or last name

Select the member’s name on the list displayed

Select the applicable loan

Click the Restore this Application button

To restore a member:

Search for the member using the member’s ID#/CIF# or last name

Select the member’s name on the list displayed

Click Restore this Member

of 47


Lender Settings Menu

Approval Permissions

This menu will allow the administrator to make changes to the lender`s approval permissions in CRIterion. Select the lender’s name from the list

Enter approval levels for consumer, agricultural, commercial levels. Use levels 1,2,3,4 to define authority as defined in Approval and General Parameters

Enter Maximum Approval limits for Secured, Unsecured, Mortgage, etc. Check the Override checkbox to the right of any field where you wish the lender to have the ability to override their limits when needed. If a user is a 2nd or 3rd level approving officer, you will want to check the Approving Officer? And

Checkbox. This will ensure that 2nd or 3rd level approver’s name is accessible in the Send to

Approval drop-down list which displays officers with authority to approve. This will also display a

2nd level comments box on the Approval screen.

of 47


The Has Access to Staff Members checkbox will allow the user to process applications for staff

members. The setting for Approval permission for staff applications is in the Approval &

General Parameters screen in the CU Settings menu.

Permission settings also include whether or not users can decline and disburse applications.

This will depend on their role.

The Allow Edit of Approval Conditions allows users to delete any ‘Approval Conditions’, if they

don’t apply to that application.

App Deletion Enabled refers to the Check New Applications screen in the Applications menu. This displays applications that were generated from outside sources such as Rapid App and DealerTrack.

Auto CB on Rapid App will automatically pull a Credit Bureau in Rapid App. This is typically unchecked.

Lenders without access to staff member credit applications will also be restricted from viewing applications from My Tasks

The Allow edit of 3rd Level Approval Comments checkbox will also display a 3rd level comment

box in addition to the 2nd level comment box.

The Allow Insurance and Fees over lender limit should be checked if the aggregate limits that apply to

your credit union do not include insurance and fees. If this is unchecked, lenders will get a ‘failed

approval’ if the insurance and fees take them over their limit.

The Allow for CB report Capability on Rapid App.

Adjust Approved Limit on General Collateral will give users the ability to change the amount of the

approved limit for general collateral items. This will be useful for those members who have an existing

multi=purpose or collateral mortgage where a limit is in force, but not captured in CRIterion. Refer to the

General Collateral section under Edit Tables in this guide for more information.

Post Rapid App page apply if your credit union is using Rapid App for the creation of applications.

of 47


Overrides

Select the TDS , GDS and Credit Score checkboxes to allow individual lenders to override their set minimums for TDS/GDS and information returned from the credit bureau including CRP (Consumer Risk Predictor) and ERS (Equifax Risk Score) which are new to Equifax reporting.

Selecting Loan, LOC or Mortgage LTV Limit gives the lender the ability to override their set Loan To Value Ratio.

Selecting Allow Override on Approval Limits gives the lender the authority to override ALL approval settings.

AD Settings - Only Applicable if IdealLender is In Force

The Enable AD checkbox will enable Automated Decision option for individual lenders. This option applies only to credit unions that have IdealLender currently enabled within CRIterion.

The Enforce AD Decline option will lock the application and set the status to declined when the IdealLender decision is ``declined``. If the lender wishes to take further action, the application would have to be ‘’Pended’’ and would require that the Lender seek approval again, either through IdealLender, a secondary approver, or approve using their own authority.

The AD Admin Officer (Strategy Maintenance) option will enable the lender to access the Strategy Maintenance Interface.

The AD Approving Officer option, when used in conjunction the AD Admin Officer Setting, will authorize the lender to approve changes in the Strategy Maintenance Interface.

AD Review – A decision of “Review” is triggered by either a down sell or the result of Matrix 1 is a zero value. When the decision is Review, and AD Review is checked, CRIterion will use AD Limits,

which defers to the settings in under CRIterion Admin for TDS, GDS and LTV.

AD Refer – A decision of “Refer” will be triggered by any warning message, such as past bankruptcy, low BNI score, high GDS, etc. When the decision is “Refer”, and AD Refer is checked, CRIterion will use the lender’s limits, for TDS, GDS and LTV.

of 47


Edit Tables

The Edit Tables menu allows administrators to adjust, amend and add certain fields to a CRIterion screen, such as adding a new product type, or amending an application source. Any options in the menu that are disabled wouldn’t apply to your Credit Union.

Application Sources

Additional application sources can be added as required. For example, for special loan promotions, external referral sources, or any source you may wish to track as a source of new business. Sources that you have added can be deleted later by checking the appropriate box and clicking the Delete Checked Choices button. The sources without checkboxes are CRIterion defaults and cannot be removed.

Appraisers

You can maintain a list of any appraisers who are used by your credit union. You can also delete appraisers that are no longer valid by selecting them and clicking the Delete button. This list will appear on the Real Estate Continued section of the Real Estate Asset screen.

Enter details and click Save. The appraisers are shown at the bottom of the screen.

of 47


Approval Conditions

Approval conditions can be added for use with the Filogix broker interface and they can also be used with any application processed in CRIterion.

Add details in the Conditions section. Check the applicable application types(s) and Save.

The conditions will appear on the Approval page for selection by the lender and/or approver.

Base Rates

The Base Rates menu allows administrators to add and maintain multiple base rates that can be associated with specific products under the Product Types and Rates screen. Forms use Prime Rate for population.

If your Credit Union does not use multiple prime rates, the Display Multiple Base Rates checkbox should be unchecked and the Name and Value entered.

If your Credit Union uses multiple base rates, enter the checkbox is checked. Enter each option (Add New) with the Base Rate Name, Value and Code, saving after each addition.

To remove rates that are no longer required or were entered in error, select the option from and the Delete checkbox. To amend rates: select the rate, make the required changes, click Save.

If multiple rates are used, in the Application Details screen, the Base Rate field will be a drop-down field where the applicable base rate can be selected.

of 47


Brokers

A list of brokers for both Genworth and Filogix can be maintained under this menu. To add a broker you will need the Genworth Broker ID or the Filogix Firm Code.

Enter the details for the broker in the relevant fields and Save.

To delete a broker, select the name on the list and click Delete.

Class Codes

Under Class Codes you can maintain the list of loan classes that appear on the Application Details page. These codes are needed for the banking system interface, depending on the set-up of your banking system. Credit Unions using DNA this list refers to the Major codes. Follow this path in the banking system: Services > System > Institution > User Defined Field > Select the ‘LNCL’ user field > Click on ‘Values’.

Enter the class description

Click Save

To remove codes that are no longer required or that where entered in error, select the code in the list and click Delete. To modify an existing entry, click on the code, make the changes required to either the code or the description and click Edit/Save.

of 47


Collateral Code

Collateral codes that appear on the Application Details page can be maintained through the Collateral codes section in the Edit Tables menu. These codes are needed for the banking system interface, depending on the set-up of your banking system. Credit Unions using DNA this information is found in the Property Types table in the banking system. Follow this path: Services > System > Business Tables > O-P Tables > Property Types.

Enter the code and description

Click Save

To remove codes that are no longer required or that where entered in error, select the code in the list and click Delete. To modify an existing entry, click on the entry to make the changes required to either the code or the description and click Edit/Save.

Collateral Sub Type

This menu allows the administrator to maintain the Collateral Sub Types that appear on the Application Details page. Enter the code in the ST Number field. These codes are needed for the banking system interface, depending on the set-up of your banking system. Credit Unions using DNA this information is found in the Sub Classification Codes table in the banking system. Follow this path: Services > System > Business Tables > Q - Z Tables > Sub Classification Codes.

Enter ST Number

Enter the description in the ST Description field

Click Save

To remove sub types that are no longer required or that were entered in error, select the code in the list and click Delete. To modify an existing entry click on the entry and make the changes required to either the code or the description. Click Edit/Save to save the changes.

of 47


CU Fees

System Administrators can enter new, or modify existing, credit union fees through this menu. Fees will default into products on the Application Details screen depending on the criteria selected. Options can be financed by default, Included in APR and Total Cost of Credit, refundable and is estimated. Fees that are financed cannot also be estimated, and estimated fees will not appear on the disbursements screen. By selecting which products are applicable you can control which fees will appear for each loan type. Entering a fee amount will default the fee in the applicable fields on the application screens.

Enter the fee account or leave at 0

Enter a description

Select the relevant option(s)

Select the relevant application types

Click Save

To remove fees that are no longer required or that were entered in error, select the fee in the list and click Delete. To modify an existing entry click on the fee and make the changes required, then click Edit/Save.

Dealerships

A list of dealerships used by your credit union can be maintained under this menu. Dealerships are linked to the Source option on the Application Details screen. When a source is chosen, a list will be displayed listing the dealerships configured here in the Admin screen.

Enter the Dealer Code and Name

Enter contact details

Click Save

Any dealerships added will be displayed in a list at the bottom of the screen.

of 47


Equipment Types

This menu allows administrators to maintain a list of equipment types that will appear in the Assets list for both agricultural and commercial members.

Enter the name of the equipment. Click Save. To delete equipment, select the relevant checkbox and click Delete Checked Choices.

Exception Codes

Enter any exception codes in this are so users are able to identify whether a there are any exceptions policy for an application and if so, what that exception is. This can be designated as a mandatory field in which case users will have to choose the exception on the approval page before saving and approving the application. This field may carry over to your banking system. Check your banking system settings replicate the codes in this table.

Enter the relevant code and description.

Click Save and continue to add as necessary.

If you would like the user to indicate that there are no exceptions on the Approval page in CRIterion, enter a ‘No Exception’ option.

of 47


External Websites

The purpose of the External Websites shortcut is to provide users with the ability to access external websites or documents without having to minimize or navigate away from CRIterion. This will eliminate the need to open a new browser window to search for the website or document they require. NOTE: When adding links, characters are limited to 250.

Creating and Editing External Websites

To create or edit a link to an external website or document on your shared drive, an Admin user

will need to:

Steps:

1. Choose the External Website option from the Edit Tables drop-down list.

2. Enter the Link Name, select the prefix option, enter the website URL or the local/

network mapped address, and then Save.

of 47


3. To edit an existing entry, double click on the option from the list, make the required

changes and select Edit/Save. To delete an entry simply select the entry from the list and select the Delete button.

Note:

For local or network mapped addresses, the admin user will have the ability to link to a specific document, in which CRIterion will open the document in a new window, using the file:///// prefix option.

For example, direct access to a MS Excel document is required, your MS Excel program will open with the applicable document. The path to the folder or document must be in the UNC (Universal Naming Convention) format. EX. TO-SYS03/Company/CRIterion/Sask Cost of Credit Spreadsheet.xls

FICOM Rating

This menu allows the administrator to maintain a list of FICOM risk ratings which appear in the list on the Application Details page, if applicable to your Credit Union. Credit Unions using DNA this information is found in the Risk Rating table in the banking system. Follow this path: Services > System > Business Tables > Q - Z Tables > Risk Ratings.

Enter a code for the risk rating

Enter a description

Click Save

Fire Insurance

Through this menu, administrators can maintain a list of any fire insurance companies that are used by your credit union.

Enter the relevant details

Click Save

This list will appear on the Real Estate Continued section of the Real Estate Asset screen. While in CRIterion, additional fire insurance companies can also be added by clicking the Create New option and following the same process noted above.

of 47


General Ledger Number

If using the Auto-Disbursal feature, General Ledger account numbers are added here which displays them on the Disbursement screen. To add general ledger numbers, enter the number and the description and click the Edit/Save button.

General Collateral Types

When creating a General Collateral Type for the first time you will notice that there already displays a Multi-Purpose Mortgage option which defaults to Registered Amount. This is for Credit Unions that were using the MPA feature prior to the 17.0 release. This option cannot be modified to Approved Limit. A new option will have to be created.

To add a new item, enter the name in the Collateral Type and choose Approved Limit or Registered Amount. If you choose Registered Amount, this is the label that will display on the details screen.

If you choose Approved Limit and users have the ability to obtain a decision for the approved limit, they will be able to enter the approved limit and approve the application based on that maximum value as a pre-approval. If not using the ‘obtain decision’ option, the general collateral item’s value will be based on the associated assets.

of 47


Genworth Special Program

To maintain Genworth special programs, select a code from the Available Programs list and click the down arrow to add it to the list of programs supported. To remove programs from the Supported list, select the program and click the up arrow. Changes are saved automatically.

Genworth Products

To maintain Genworth products, select a product from the Available Products list and click the down arrow to add it to the Products Supported list. To remove products from the Supported list, select the product and click the up arrow. Changes are saved automatically.

Income Sources

This menu allows the administrator to add new income sources, or delete existing income sources.

Enter the income source

Click Save To delete a source, select the applicable checkbox and click Delete Checked Choices. Sources without checkboxes are CRIterion defaults and cannot be deleted.

of 47


Other Liabilities

This menu allows the administrator to add new liabilities, or delete existing ones. Enter the new other liability and Save. To delete a liability, select the applicable checkbox and click Delete Checked Choices. Liabilities without checkboxes are CRIterion defaults and cannot be deleted.

Income/Employment Verification Sources

This menu allows administrators to add income verification sources, which will be added to the drop-down list in the Employment Information screen. Enter a code and a description and click Save. To modify an entry, select it from the list and click Edit/Save.

Intended Use

To create this list, enter any pre-determined uses and which accounts that they are required. This information will be displayed on the Member Services side.

of 47


Mortgage Renewals

To begin entering the mortgage renewal options offered to your members, click Add New.

Complete the fields as they apply and click Save. To create a new option, click Add New. When adding variable rate options enter the +/- in the Prime field. In the mortgage renewal application you will have the option to choose which Prime rate to use, if your CU uses multiple prime rates. To delete, check the Delete checkbox and the Delete button at the top of the screen.

To add or modify options for Commercial or Agricultural renewals, choose from the Select Renewal Type field.

Payment Sources

Administrators should access this menu to modify, create or delete loan payment sources, which will appear on the Application Details screen. Enter a payment source and click Save. To modify an entry, select it from the list and click Edit/Save. To delete entries, select the applicable checkbox and click Delete Checked Choices.

of 47


Product Types and Rates

Product types can be added in CRIterion through this menu. Please note that any loan codes used here must match the loan codes as set up in your banking system. Credit Unions using DNA will find this information in the Product Maintenance Table in the banking system. The Loan Code field is the Product Minor Code; the Product Name is the Product Minor Description. Payment Calculation Method must match the Payment Type in DNA. The Rate Index field applies to the ‘variable rate’ table and the Rate Schedule field applies to the ‘fixed rate’ table. These may be required to commit to DNA, if the Credit Union has these tables set up in DNA. If your credit union will be committing Overdrafts to the banking system through CRIterion, a list of deposit accounts must be entered here as well.

The SAOD checkbox is for Lines of Credit only and controls the following:

If checked, the ‘Linked Chequing Account Number’ field will be set to mandatory and display on the Committal screen if this product code is chosen in the Application Details screen.

If unchecked, the ‘Linked Chequing Account Number’ field will be hidden on the Committal screen if this product code is chosen in the Application Details screen.

Quick Loan Checkbox - primarily for Saskatchewan forms when populating pre-payment clauses.

Enter a Loan Code that matches the code displayed in your host banking system, and enter the default values as appropriate. Click Save.

Products can only be saved after all mandatory (grey) fields have been completed. These will include, at a minimum, the loan code and product name.

of 47


Modify existing products by selecting the product in the Products list, make the required changes, and click Edit/Save.

To create a new product from an existing product, select the product, click Save as New, and enter the new details.

Enter a base rate by selecting from the drop-down list. These rates are stored in the Base Rates sub-menu, which is found under Edit Tables.

Rate Index Field - this field pertains to the variable rate table in some banking systems and may be required to commit applications.

Rate Schedule Field - this field pertains to the fixed rate table in some banking system and may be required to commit applications.

Compounding Frequency field - will only be enabled once you select Mortgage in the Scope panel. See next page.

Demand Indicator Checkbox - will default the box as checked in the Application Details screen.

Mortgage Renewal Checkbox - will display the products that have been flagged with this checkbox in the Mortgage Renewal screen accessible in a mortgage application when the Refinance functionality is used. Chosen options will then print on the mortgage renewal document.

Classification Code Field - will default the chosen option in the Application Details screen. This code is required for some banking systems. DNA - this is the Major.

Select the relevant scope for this type of loan - check the types of applications that it applies to.

Click Save.

To add or adjust fees and charges to a product, select the loan type on the list and adjust as required.

Credit Union fees are created in the CU Fees sub-menu.

of 47


of 47


Purposes

Administrators can use this menu to add, delete or maintain loan purpose options. This field may be required for some banking systems to commit applications. Credit Unions using DNA will find this information in the Purpose of Loan table in the banking system. Follow this path: Services > System > Business Tables > O-P Tables > Purpose of Loan.

Enter the purpose code

Enter a purpose description

Click Save

To edit an existing purpose, select it, make the require changes and click Edit/Save.

To delete an existing purpose, select it and click the Delete button.

Relationship Code

This menu allows administrators to modify the relationship codes that appear on the Committal screen and may be required for some banking system interfaces to commit. Credit Unions using DNA will find this information in the Ownership Codes table in the banking system. Follow this path: Services > System > Business Tables > O-P Tables > Ownership Codes. Enter the relationship code

Enter a relationship description

Click Save

To edit an existing code, select it, make the require changes and click Edit/Save. To delete and existing code, select it and click the Delete button.

of 47


Solicitors

The options in this menu will population the drop-down list under the More section of the Real Estate window. Administrators can add as many solicitors as necessary. At a minimum, the Law Firm and the Lawyer`s name fields are mandatory (depending on your Credit Union`s practices). The solicitor`s trust account number can also be entered here for use on the Disbursement screen.

Enter the relevant information

Click Save

To make changes to solicitors already on the list, select the solicitor`s name, which will populate the window. Make the required changes and click Edit/Save. To delete a solicitor from the list, select the name and click Delete.

Source Code

To modify a source code, please contact the Support Desk.

Transaction Code

This menu allows administrators to add, modify, or delete a transaction code. These codes appear on either the Disbursement screen, the PAT screen, or both depending on the option(s) chosen here. You can also add up to four miscellaneous values fields such as Teller Comments, Passbook Balance, Transaction Source etc, by selecting the option from the drop-down lists. Please note that these codes are specific to your banking system.

This information will be used in connect with the auto-disbursal feature in CRIterion, along with the General Ledger Numbers, also in the Edit Tables menu.

Enter the details of the new code

Choose options from the miscellaneous value drop-down lists.

Click Save

To edit an existing code, select it, make the require changes and click Edit/Save.

To delete an existing code, select it and click the Delete button.

of 47


Form Scenarios

Form Builder

Form scenarios can be created by selecting specific parameters from the drop-down list. Select the product code range and/or select the appropriate drop-down box based on CRIterion parameters. These parameters allow for more refined scenario definitions. If you choose the And radio button, CRIterion checks the product code OR the product range list displayed below the product code, and all other parameters. When parameters are selected, CRIterion uses these choices to decide which Form Scenario matches the chosen application. If the OR radio button is selected, CRIterion checks the product code OR the product range list, and all other parameters. If either product code section or product range list section are selected, then CRIterion uses these choices to decide which Form Scenario matches the chosen application.

of 47


Consumer Scenarios

Once the above details are completed, scenarios will appear in the Scenario Code drop-down list on the Select Consumer Form Scenarios screen, accessed through the Form Scenario menu. Click and Add appropriate forms from the All Forms list box section on the bottom half of the screen. Check each scenario code in the drop-down box to select the appropriate type and quantity of forms. If forms re required for the co-borrower and/or the guarantor, use the check boxes to indicate these choices. Click Save. By default, one copy of each form will be printed. To define more than one printed copy, select the form in the All Forms section and enter the number of copies to print in the Default Number of Copies box. Click Save.

of 47


Workflows

Some of the features that are available for workflows are: Enforcing Lender Tasks Ownership - This feature locks the workflow tasks so that only the user to whom the task(s) are assigned will have the ability to edit the fields within that task/workflow, for example comments or checking complete/NA. The only editable fields will be the Assigned Officer drop-down field. This must be enabled by the CRI Canada Support Team. Default Auto Workflow - When enabled, this feature will automatically open a workflow when an application is started. The alternative would be to open it manually, by the user, from the Current Application menu once an application has been started. Once enabled by the CRI Canada Support team, the checkbox is located in the CU Settings panel. Go to the CU Settings menu > Approval and General Parameters > CU Settings.

Task Editor

These are tasks and processes required for completion of credit applications in order to ensure audit requirements are met. The workflow allows officers to easily click on a link to bring them to the next screen within CRIterion. It also serves as a “checklist” for all of the tasks required to complete an application.

The name of each task can be created as desired. To link the task to a specific screen in CRIterion, choose it from the Associate with a Page in CRIterion drop-down list. For instance – if the task name is Verify Employment, select Employment Information from the Associate with a Page in CRIterion list. When set up correctly, the link will appear as an underlined item in the workflow. If not set up, then users will not be able to view the appropriate screen when the task is selected. If a task does not require an association, this field can be left blank.

of 47


Workflow Section Header - when checked, that task will appear in the workflow as a header. These will appear in red in the Template Setup screen.

Template Setup

Once all tasks have been created, a template can be created for each type of application (e.g. a loan template would have specific tasks assigned to it). Similarly, with a line of credit and a mortgage; each would have its own template of required tasks for completion.

Select each task and click on the right arrow to move tasks from Tasks Available (left column) to Tasks Included (middle column). To make amendments, use left arrow to move tasks from Tasks Included (middle box) to Tasks Available (left box). Tasks that appear in the Tasks Included (middle box) list will appear in the workflow. To reorder tasks, select the task in the middle column and click the +/- button to move the task up or down the list as required. A specific loan officer can be assigned to each task by selecting the name from the Default Officer drop-down list.

Click the Edit/Save button to save any changes. Click the Delete button to delete the selected task. When creating a workflow you will notice Insurance Admin listed as a default heading and ‘Fax insurance application to CRIC Service Centre’ as a default task. As you move tasks from the Available column to the Included column, use the + button on the right to move above the defaults as they should be listed near the bottom of the workflow.

of 47


Copy Template

To copy an existing template to modify rather than having to create one from scratch, select the workflow that most closely resembles the workflow you want to create. Click on the Copy Template button, find the copy, highlight, change the name and add/remove tasks as necessary.

Help Menu

The On Line Help option will provide access to the CRIterion user guides and videos. The Support Portal will launch OnTime, which allows users to log issues with CRIterion.

Logout

It is advised that users end their CRIterion session by using the Logout button. This will leave the browser window open and return the user to the CRIterion log-in screen. It will also prompt the user to save any changes before logging out.

administrator’s guide - ontime.selient.comontime.selient.com/training/criterion14/criterion...

Documents