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Person*
Number/ Text
Prefilled parameter. The borrower’s person ID number.
Income type*
Text
Prefilled parameter. The borrower’s income type.
Period*
Text
Prefilled parameter. The borrower’s income period.
Amount*
Number
Prefilled parameter. The periodic income amount.
Confirmed amount
Number
Prefilled parameter. The confirmed income amount.
Credit ranking
Number/ Text
Prefilled parameter. The related loan offer ID. Note: it appears if the loan offer is created.
Date*
Date
Prefilled parameter. The loan application date, format: YYYY-MM-DD.
Last change*
Date
Prefilled parameter. Last time when the application was changed, format: YYYY-MM-DD.
Scoring valid until*
Date
Prefilled parameter. Application score due date, format: YYYY-MM-DD.
Note: the score becomes invalid, and the application will be cancelled.
Schedule
Text
Prefilled parameter. The loan schedule.
Purpose
Number/ Text
Prefilled parameter. The loan purpose.
Country*
Text
Prefilled parameter. The loan country.
Tenant*
Number/ Text
Prefilled parameter. The tenant where the loan is offered.
Source
Number/ Text
Prefilled parameter. The loan source.
Co-applicant SSN
Number/ Text
Prefilled parameter. The loan co-applicant Social Security Number.
To manage loan applications in the BackOffice, you can do the following:
There are two options for managing loan applications:
Loans > Search > Applications.
Fill in search parameters > click the Search button.
To access the loan application details, click the loan application Number.
The loan application page displays the loan application details in the following format:
Also, the loan application can contain additional details:
Application obligation details,
Associated persons,
Additional assets.
If the loan product has the scoring review allowed parameter enabled, you can make a manual decision whether to accept or decline the application.
To find the loan application that require manual decision:
Click on the Tuum logo on the upper left corner.
On the main page navigate to the Loans section.
Choose Applications for manual decisions.
Offer identifier
Number/ Text
Prefilled parameter. The related loan offer ID. Note: it appears if the loan offer is created.
Loan group*
Number/ Text
Prefilled parameter. Loan product group that defines the loan type.
Loan type*
Number/ Text
Prefilled parameter. The name of the loan product.
Requested amount*
Number
Prefilled parameter. The requested loan amount.
Max amount
Number
Prefilled parameter. The maximum loan amount that a lender can offer.
Loan period
Number
Prefilled parameter. The loan period in months.
Number of payments
Number
Prefilled parameter. The number of loan payments. This parameter is present if the loan product term rule is not infinite or specific day.
Max period
Number
Prefilled parameter. The maximum loan period that a lender can offer.
Payment day*
Number
Prefilled parameter. The day in the month when the loan payment is made. Note: the value should be from 1 to 28.
Monthly repayment rate
Number
Prefilled parameter. Monthly repayment rate. Note: this field is available if the loan product is a credit line or a revolving credit line with the repayment amount rule = percentage of principal balance.
Monthly repayment amount*
Number
Prefilled parameter. The monthly loan repayment amount. Note: this parameter is available for instalment loan products or credit line products with a fixed repayment amount rule.
Status*
Text
Prefilled parameter. The loan application status. The loan application can have one of the following statuses:
SUBMITTED,
WAITING_FOR_ACCEPTANCE,
ACCEPTED,
CANCELLED,
DECLINED.
Max invoice amount
Number
Prefilled parameter. The maximum invoice amount. Note: this field is available if the loan product is a credit line or a revolving credit line with the repayment amount rule = percentage of principal balance.
Min invoice amount
Number
Prefilled parameter. The minimum invoice amount. Note: this field is available if the loan product is a credit line or a revolving credit line with the repayment amount rule = percentage of principal balance.
Custom data
Number/ Text
The custom field data. Note: see below for instructions on how to manage .
,
,
,
,
,
.
The process starts with the loan application. To proceed, via Tuum.
If your company processes the loan application with a different solution than Tuum, you can skip this step and start with the .
The BackOffice interface has limited capabilities to manage the loan application process. Therefore, the lender must create a new loan application using the .
You can change the loan application information by calling the loan application API - or .
You can modify the loan application until the is created.
To the loan application, call the dedicated API endpoint. Once the application is accepted, you can .
If the loan application does not meet some of the requirements, you can call the API endpoint. Once the loan application is declined, the loan origination process terminates.
If the borrower does not want to proceed with the loan application, you can . The cancellation terminates the loan origination process.
If a user applies for a secured loan, it is possible to by clicking the plus sign in the Assets section.
On the Application scoring page, you can view the scoring details and do the following actions:
To make a manual decision, click the particular button with the intended decision label.
Click Decline application.
Fill in the Reasoning > Decline.
Click Accept application.
Fill in the Reasoning.
Adjust the Max amount and Interest margin if needed > Accept.
Once the loan application is accepted or declined, the outcome is recorded to the Decision history and displayed on the Application scoring page:
To add a comment:
Click the Add comment button.
Write your comment > Add comment.
All comments added to the application are visible in the Application comments section on the Application scoring page.
- Accept or decline the loan application.
.
