Analyzing Written Off and Charged Off Loans Statistics

Screen ID:	ILNWO-02
Screen Title:	Written Off/Charge Off Analysis
Panel ID:	5997
Tool Number:	476
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This screen appears after choosing Analysis on the Written-off/Charged-off Dashboard.

This screen shows summary statistics about the group of loans selected on the written-off/charged-off loans dashboard, including the “top 3” members, employees, dealers, loan categories, and write-off reasons. Use the View button in any top 3 section to see a window showing a complete list of those items.

Use the Board Approval button to see a recap of all write-offs and/or charge-offs with documentation of their approval at a board meeting, or use the Bankruptcy button to see details about bankruptcy status.

Use Alternate Views to display a window which will allow you to filter the list to show only written-off loans, only charged-off loans, or both.

TIP: If the numbers don’t look right to you, remember this dashboard will remember the filters that you selected on the original write-off/charge-off dashboard. Use View Filters to show a recap of which filters are currently in effect.

Field Descriptions

Field Name	Description
Dollars / $	Shows the current balance on the account as of the time the loan was written off or charged off, and how it compares as a percentage of the total combined written-off/charged-off loans.
Count / $	Shows the number of loans, and how it compares as a percentage of the total combined written-off/charged-off loans.
Members	Shows the number of unique memberships represented by the loans.
Usable Scores	Shows the number of loans that have both an original and an “event” credit score on file in the loan write-off history file. Original score = The score that was recorded on the loan account when it was originally created. Event score = The score that was recorded at the time the loan was written off (or charged off). To see these scores, refer to the Written-off History for a particular loan.
Org Avg Crd Score	(Original Average Credit Score) Shows an average of the original credit score that was in place on the member’s account as of the time the loan was created. To see this score, refer to the Written-off History for a particular loan.
Event Avg Crd Score	(Event Average Credit Score) Shows an average of the original credit score that was in place on the member’s account as of the time the loan was written off or charged off. To see this score, refer to the Written-off History for a particular loan.
Avg Crd Score Chg Orig to Event	(Average Credit Score Change: Original to Event) Shows an average of the difference between the member’s original score and the score when the loan was written off (or charged off).
Avg Seasoning Months	(Average Seasoning: Months) Seasoning refers to the number of months the loan was on the books, from date opened to the write-off date (or charge-off date). This shows the average # of months for all loans currently displayed. To see this figure, refer to the Written-off History for a particular loan.