CUNA Participation Tracking PS_CUNA_NEW_LOAN_PAYMENT Application Loan Payment Protection

Transcription

1 CUNA Participation Tracking PS_CUNA_NEW_LOAN_PAYMENT Application Loan Payment Protection

2 Fiserv, 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 Fiserv, 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, Fiserv, 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. No warranties, either express or implied, are granted or extended by this document. Fiserv is a registered trademark of Fiserv, Inc. Other brands and their products are trademarks or registered trademarks of their respective holders and should be noted as such. Page 2 of 17

3 Overview: This application creates a CUNA Participation Tracking File in an XML or pipe delimited format. This extract file tracks the number of borrowers electing payment protection products and is used by CUNA Mutual Group to determine the percentage of borrowers electing payment protection products on new loan accounts. The following are the payment protection products that are being tracked: Credit Life (CL) Credit Disability (CD) Debt Cancellation (DC) Mechanical Repair Coverage (MRC) Guaranteed Asset Protection (GAP) Key Benefits: This application produces specific DNA data which then can be uploaded/sent to CUNA for Participation Tracking. Processing: This application selects all new loan accounts that have an Active (ACT) status effective date within the Start Date and Thru Date parameters and produces an.lis report and either an XML output file or a pipe delimited output file. See the Reports (s) section of the document for descriptions and sample reports. Note: If a loan has multiple effective dates for the Active status, only the minimum date is used in the search. For example, a loan became active on 8/01/2007. The loan changed to a status of nonaccrual on 1/05/2010. On 2/15/2010 the loan changed back to a status of active. If this application is run with a StartDate of 2/01/2010 and a ThruDate of 2/28/2010 the loan is not included since the loan is considered active on 8/01/2007, which is the minimum effective date for the Active status. All new loan accounts, based on the Parameters of the report, are reported on the CUNA Participation Tracking XML file and include the payment protection product information if a new loan account has the simple insurance and/or financed balance types elected on the account and that specific balance type is associated to one of the above payment protection products. Page 3 of 17

4 The payment protection products and the corresponding balance types are linked together utilizing the External Interface CrossReference. There can be multiple balance types linked to the same payment protection product. This process relies on populating values in the External Interface CrossReference. The purpose of using the External Interface CrossReference is to identify the specific Simple Insurance and Financed Balance Category codes and their associated Payment Protection Product codes. If this is not configured, the application is not able to identify if a Payment Protection Product is on a loan. Identifying the Valid Balance Category Codes The following navigation returns the valid Balance Category Codes that are used in the From Value of the Simple Insurance and/or Financed Insurance Interface Variable. Navigation: Services > System > System Tables > A-B Tables > BALCATBALTYP The BALCATBALTYP table is displayed Sort the table by the BALTYP column by clicking on the BALTYP code column heading Scroll down to find the BALTYP s of SINS Identify the Valid Codes of the Simple Insurance Balance Categories by the Code in the first column. If needed, to verify the descriptions of the Codes, go to System Tables > A-B Tables > BALCAT Scroll to find the BALCAT codes identified in the BALCATBALTYP table to see the descriptions for the simple insurance balance types and verify which ones are to be used. Page 4 of 17

5 Repeat the above steps to verify the Valid Financed Balance Type codes and descriptions Valid Payment Protection Product Codes The following is a list of the valid Payment Protection Product Codes that correspond with the Simple Insurance Balance Types: CL (Credit Life) CD (Credit Disability) DC (Debt Cancellation) The following is a list of the valid Payment Protection Product Codes that correspond with the Financed Balance Types: MRC (Mechanical Repair Coverage) GAP (Guaranteed Asset Protection) Configuring the External Interface CrossReference Navigation: Services > System > System Tables > C-G Tables > External Interface CrossReference Select CUNA Participation Tracking from the External Interface dropdown Select Simple Insurance from the Interface Variable dropdown Click Create, The Edit External Interface Cross Reference window is displayed In the From Value, Enter the first valid BALCAT code for the Simple Insurance Balance Type In the To Value, Enter the valid corresponding Payment Protection Product code as identified above. Page 5 of 17

6 Click the Review radio button Click Process Repeat the above step for each additional valid BALCAT code and corresponding Payment Protection Product code for the Simple Insurance Interface Variable. Repeat the above process to configure the External Interface CrossReference for the Financed Interface Variable, Simple Ins Loan Amt Cap and Financed Ins Loan Amt Cap. Page 6 of 17

7 Parameters: Parameter Code Description (how used) Required Default Output File 8OUP The path in which to create the N <Blank> Path output file. Primary Employee Role Code Secondary Employee Role Code Minor Account Type Code 8PER 8SER MICD The Queue s Default Path is as defined by the Institution Option Report Target Directory (RPTT). Employee role used to retrieve and populate the Loan Staff ID within the XML output file. Employee role used to retrieve and populate the Loan Staff ID if there is no Primary Employee Role code (8PER) identified on the account. List of minor codes to be included in the selection for the XML output file. Y N N <Blank> <Blank> <Blank> Major Account Type Code MJCD If no Minor Account Type Codes are entered in the parameter, all Loan Minor Account Types is included in the selection criteria. List of major codes to be included in the selection for the XML output file. N <Blank> If no Major Account Type Codes are entered in the parameter, all Loan Major account types are included in the selection criteria. StartDate SD The beginning of the date range to search for the loan accounts. (MM/DD/YYYY) If left blank, then default value is considered as Queue Effective Date. N <Blank> Page 7 of 17

8 Parameter Code Description (how used) Required Default ThruDate TD The ending of the date range to search for the loan accounts. (MM/DD/YYYY) N <Blank> External File Type FT If left blank, then default value is considered as Queue Effective Date. File type format to extract. 1=XML - file extension is XML 2=Pipe Delimited - file extension is TXT N <Blank> Loan Amount Cap 8LAC If left blank, then default value is considered as 1. The loan accounts having balance greater than Loan Amount Cap displays the Loan Amount Cap as loan balance. N <Blank> If External Interface Variables not utilized to set cap limits per each Insurance Type, this runtime parameter value is utilized instead. If the loan account has balance lesser than Loan Amount Cap then displays the actual loan balance. Variables: An existing calculation type SINS (Simple Insurance) and calculation variable is used to identify the rate schedule number. Page 8 of 17

9 Calculation Variable Code Description (how used) Calc SCHD This variable is used to identify the DNA Schedule rate schedule number for a Number corresponding account from account sub account level. Data Type INTG Default <BLANK> External Cross-References: External Interface Category: An external interface category is required to associate the external interface code to the application. The following external interface category is used for this purpose. External Interface Cat Code 8CPT Description (how used) CUNA Participation Tracking External Interface: An external interface code is required to associate the external interface variable to the application. The following external interface code is used for this purpose. External Interface Code External Interface Cat Code Description (how used) 8CPT 8CPT CUNA Participation Tracking Page 9 of 17

10 External Interface Variable: External Interface Code 8CPT 8CPT 8CPT 8CPT External Interface Variable Simple Insurance Financed Balance Simple Ins Loan Amt Cap Financed Ins Loan Amt Cap Code Description (how used) 8SIN 8FIN 8SIC 8FIC The external interface cross-reference can be used to identify the specific Simple Insurance Balance Category codes and their associated Payment Protection Product codes. The external interface cross-reference can be used to identify the specific Financed Balance Category codes and their associated Payment Protection Product codes. If the loan account s Balance Type is Simple Insurance (SINS), the application looks for a loan amount cap to use for the specified Balance Category If the loan account s Balance Type is Financed Insurance (FIN), the application looks for a loan amount cap to use for the specified Balance Category From Value/ Data Type The From Value should be the Insurance Type Balance Category (CHAR) The From Value should be the Insurance Type Balance Category (CHAR) The From Value should be the Insurance Type Balance Category (CHAR) The From Value should be the Insurance Type Balance Category (CHAR) To Value/Data Type The To Value should be the corresponding insurance type of CD, DC, CL (CHAR) The To Value should be the corresponding insurance type of GAP, MRC (CHAR) The To Value should be Loan Amount Cap (CUR) The To Value should be Loan Amount Cap (CUR) Report(s): Below is a sample of the PS_CUNA_LOAN_PAYMENT.LIS report. Page 10 of 17

11 Field Listing: Field Protection Count Balance Total New Loans Payment Protection Product Summary Description CUNA Participation Tracking The type of protection to various accounts. The various types of Protection are: No Protection, Simple Protection, Financed Protection, and Both Protection. Total number of loans per type of protection. Total note balance of the accounts with that type of protection. Summary Total number of new loans with balance of new loans. Total number of payment protection products for each type a. Credit Life (CL) b. Credit Disability (CD) c. Debt Cancellation (DC) d. Mechanical Repair Coverage (MRC) e. Guaranteed Asset Protection (GAP) Page 11 of 17

12 File Layout(s): Output File Layout The PS_CUNA_NEW_LOAN_PAYMENT report produces an either a file in the XML format or a pipe delimited file depending on the choice made at runtime in the File Type (FT) parameter. The following is a list of the XML tag and the description. XML File Tag Format Description BranchID Internal DNA Organization Number of the Branch assigned to the loan account. LoanStaffID The internal DNA Person Number of the employee associated to the account role that is designated as the Primary Employee Role Code or the Secondary Employee Role Code in the Parameters. Note: The Primary Employee Role Code displays in the XML output file unless an account role with that designation is not assigned to the account. In that case, the Secondary Employee Role Code displays on the XML output file if the designated account role was assigned. DC XXXXXXXX Designates the payment protection product of Debt Cancellation. If an account has elected the Simple Insurance balance Type that is associated to the Debt Cancellation payment protection product, the internal DNA Rate Schedule Number identified from calculation variable SCHD (Calc Schedule Number) of sub account level displays after the DC tag. If no match is found the value displays as blank. Note: The Rate Schedule Number is identified within the Simple Insurance Variables associated with the balance type. The payment protection product code and the simple insurance balance type codes are defined in the External Interface CrossReference. Page 12 of 17

13 CD XXXXXXXX Designates the payment protection product of Credit Disability. If an account has the Credit Disability payment protection product associated to the Simple Insurance balance type on the account, the internal DNA Rate Schedule Number identified from calculation variable SCHD (Calc Schedule Number) of sub account level displays after the CD tag. If no match is found the value displays as blank. Note: The Rate Schedule Number is identified within the Simple Insurance Variables associated with the balance type. The payment protection product code and the simple insurance balance type codes are defined in the External Interface CrossReference. CL XXXXXXXX Designates the payment protection product of Credit Life. If an account has the Credit Life payment protection product associated to the Simple Insurance balance type on the account, the internal DNA Rate Schedule Number identified from calculation variable SCHD (Calc Schedule Number) of sub account level displays after the CL tag. If no match is found the value displays blank. Note: The Rate Schedule Number is identified within the Simple Insurance Variables associated with the balance type. The payment protection product code and the simple insurance balance type codes are defined in the External Interface CrossReference. GAP X Designates the payment protection product of Guaranteed Asset Protection. Displays a Y next to the GAP tag if the financed insurance is elected. Displays blank next to the GAP tag if the financed insurance is not elected. The Financed Balance tags (GAP) displays a Y if the financed insurance is elected and the original balance of the financed insurance balance type is greater than zero. If the balance is not greater than zero, displays blank. Note: The payment protection product code and the financed balance type codes are defined in the External Interface CrossReference. MRC X Designates the payment protection product of Mechanical Repair Coverage. Displays a Y next to the MRC tag if the financed insurance is elected. Displays blank next to the GAP tag if the financed insurance is not elected. The Financed Balance tags (MRC) displays a Y if the financed insurance is elected and the original balance of the financed insurance balance type is greater than zero. If the balance is not greater than zero, displays blank. Note: The payment protection product code and the financed balance type codes are defined in the External Interface CrossReference. Page 13 of 17

14 DOB1 DOB2 MMDDYYYY Displays the Date of Birth for the borrower assigned to the loan account. If there is no birth date assigned to the borrower, the field displays blank. MMDDYYYY Displays the Date of Birth for the co-borrower assigned to the loan account. If there is no birth date assigned to the co-borrower, the field displays blank. LoanType XXXXXXXX Displays the Major Code and the Minor Code of the loan account as one value. Example: MTG30YR LoanAmt LoanDate LOCDate If the loan account is NOT a credit limit account (LoanLimit = N), displays the Original Balance. If the loan account IS a credit limit account (LoanLimit = Y), displays the sum of all the principal disbursement (PDSB) transactions between the StartDate & ThruDate parameters. Note: A cap limit can be set in the External Cross Reference table or a runtime parameter. MMDDYYYY Date the Current Account Status code changed to Active (ACT). The first time the account becomes Active (ACT) is when it shows on the report. See example in Processing section of the document. MMDDYYYY Date of the initial disbursement with an effective date of the transaction being between the StartDate and ThruDate parameters. If there was no disbursement within the period, the field displays blank. IntRate The interest rate on the loan account as of the ThruDate parameter. Payment Scheduled payment amount. If the payment type is VINT, VACT, or VAVG, displays blank as the amounts of those payment types calculated when a receivable is generated and vary each month. Frequency XXXXXXXX The payment frequency of the loan account. OrigTerm The original term of the loan account in months. Page 14 of 17

15 Below is a sample of the PS_CUNA_LOAN_PAYMENT.XML output file which is in the XML file layout. <Loans> </Loan> </Loans> <Loan Seq="1"> <BranchID></BranchID> <LoanStaffID></LoanStaffID> <DC></DC> <CD></CD> <CL></CL> <GAP></GAP> <MRC></MRC> <DOB1></DOB1> <DOB2></DOB2> <LoanType></LoanType> <LoanAmt></LoanAmt> <LoanDate></LoanDate> <LOCDate></LOCDate> <IntRate></IntRate> <Payment></Payment> <Frequency></Frequency> </Loan> <Loan Seq="2"> <BranchID></BranchID> <LoanStaffID></LoanStaffID> <DC></DC> <CD></CD> <CL></CL> <GAP></GAP> <MRC></MRC> <DOB1></DOB1> <DOB2></DOB2> <LoanType></LoanType> <LoanAmt></LoanAmt> <LoanDate></LoanDate> <LOCDate></LOCDate> <IntRate></IntRate> <Payment></Payment> <Frequency></Frequency> <OrigTerm></OrigTerm> Page 15 of 17

16 Pipe Delimited File Each Tag Name listed above for the XML file appears in the header row for the pipe delimited file. In the pipe delimited format, dates are formatted as MM-DD-YYYY. The existing Fields being exported are preserved and the first row in the pipe delimited file is the field names. Below is a sample of the PS_CUNA_LOAN_PAYMENT.TXT output file BranchID LoanStaffID DC CD CL GAP MRC DOB1 DOB2 LoanType LoanAmt LoanDate LOCDate IntRate Payment Frequency OrigTerm CNSLOC CNSMOTO Monthly CNSNHEL Monthly 12 Additional requirements: Requires DNA 3.0 or higher Configuration Checklist: Please review the items indicated in the checklist below and ensure that all items have been properly setup before running this application. Item Parameters Variable External Interface CrossReference Test Environment Production Environment Installation: Note: 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. Run the PS_CUNA_NEW_LOAN_PAYMENT.SQL script to register the application. If not defined already, edit the institution option BATP (PS Batch Report Directory) with the designation of a custom program directory (ex: G:\OSI\BANK\BAT_EXE\PS\). Copy the PS_CUNA_NEW_LOAN_PAYMENT.SQT to the Professional Services (PS) directory. Once PS_CUNA_NEW_LOAN_PAYMENT.SQL script has been successfully run, the PS_CUNA_NEW_LOAN_PAYMENT.SQT can be executed in Batch. Page 16 of 17

17 In the System Module of DNA, go to Institution > Applications > Batch Executable and enter the supplied Authorization Key for this application. Note: If you obtained this application from the DNAappstore, please complete the installation instructions below. Install the application through DNA Configuration Toolkit. The instruction to run and use toolkit should already be delivered along with DNA Configuration Toolkit. If you have any questions while using these tools, please contact the Client Care group for assistance. Revisions: Date App Change Version # 03/ Added Loan Cap Amount 01/ Script Issues fixed 11/ Re-Packaged and Re-documented for DNA AppStore 01/ Application Created Page 17 of 17