Written-off Loan History

Screen ID:	ILNWOH-01
Screen Title:	Written Off Loan History
Panel ID:	5719
Tool Number:	Multiple
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Access this screen from three location. Select a loan and "Written off loan history" from the Written off loan dashboard. Select "Write Off History" from the Collections Inquiry," or choose the "Write-Off History" button on the Delinquency popup window.

Learn more in the Write-Off/Charge-Off Tools booklet.
NOTE: Some data may not be available if a loan was charged off or written off prior to the implementation of the 15.0 release (April 19, 2015 for online credit unions).

The Write Off Loan History screen records a snapshot of the loan at write off. When the loan is charged off, this screen is updated. (This displays the information collected in the loan write off/charge off file (the LNWRTOFF file)). This file is also documented in the Appendix of the Write-Off/Charge-Off Tools booklet.

If the screen contains zeros in all fields, the loan currently is not written off nor charged off.

This screen is accessed from three different access points which are covered at the top of the topic.

Field Descriptions

Field	Description
Loan Account	Loan account and suffix.
Interviewer	Interviewer attached to the loan.
Approved by	Person who approved the loan.
Collector	Collector ID associated with the loan.
Write off by	Employee ID. Collected at write off.
Charge off by	Employee ID. Collected at write off.
Branch	Branch associated with the loan (from MEMBER 5/6 file).
Loan cat at write off	Loan category code associated with the loan (from MEMBER 5/6 file). NOTE: This is generally the loan category on the loan before it was assigned to the written-off loan category. But if the loan was written off before the software for this screen was implemented (spring 2015), this will show the write-off category.
Business unit	The business unit from the loan category configuration associated with the loan.
Loan purpose	Loan purpose code associated with the loan (from MEMBER 5/6 file).
Loan Security	Loan security code associated with the loan (from MEMBER 5/6 file).
Dealer ID	Dealer ID from the Dealer/Account file.
Write off date	Write off date MMDDYYYY. This date is captured at the time of write off; this is the current date as of write off. Note: This date is updated to the current date if the loan is both written and charged off at the same time.
Charge off date	Charge off Date MMDDYYYY. This date is captured at the time of charge off.
WO/CO status	Indicates the WO/CO status of the loan.
Date opened	Date the loan was opened (from MEMBER 5/6 file).
Last payment date	Last payment date associated with the loan (from MEMBER 5/6 file).
Scheduled payment amount	Scheduled payment amount associated with the loan (from MEMBER 5/6 file).
Original loan amount	Disbursed amount associated with the loan (from MEMBER 5/6 file).
# of payments left	# of payments left on the loan (from MEMBER 5/6 file).
# of refinances	The Refinance count (from MEMBER 5/6 file).
Disbursement limit	Disbursement Limit (from MEMBER 5/6 file).
Maturity date	Maturity date (from MEMBER 5/6 file).
# of additional signers	# of Additional signer (ADSL) records.
Loan bal at write off	Loan current balance (from MEMBER 5/6 file) at the time of write off.
Loan bal at charge off	Loan current balance (from MEMBER 5/6) at the time of charge off.
Est recovered amount	The estimated amount that has been recovered from the loan at write off. This can be overridden at charge off.
Tiered Services score	The tiered services score (from the TIERDL file).
Tiered Services level	The tiered services level (from the TIERDL file).
Delinq fines at write off	Delinquent fine amount (from the MEMBER 5/6 file) at time of write off.
Delinquency balance at write off	Delinquent balance at write off (from MEMBER 5/6 file).
Delinquent months	The delinquent days and delinquent months from the MEMBER 5/6 file.
Delinquency fines at charge off	Delinquent fine amount (from the MEMBER 5/6 file) at time of charge off.
Original credit score primary borrower	Credit Score of the primary borrower when the loan was created from MEMBER file.
Credit score at write off	Current Credit Score of the primary borrower at write off (from OPENDLF file).
Risk score grade level	Risk score grade level (from MEMBER 5/6 file).
Insurance	This is a Y/N flag that indicates if there is insurance on the loan at the time of the write off. If any of the following fields from the MEMTRL3 file has a value, then this flag is Y: ACTBL6, ACTBL7, ACTBL8.
WO approved by	The Employee ID who approved the write off (asked at time of write off).
CO approved by	The Employee ID who approved the charge off (asked at time of charge off).
WO reason code	Write off reason code (asked at time of write off). Learn more about reason codes.
CO reason code	Charge off reason code (asked at time of charge off). Learn more about reason codes.
Approved at board meeting on	The MMYYYY of the Board Meeting where the charge off was approved (asked at time of write off or charge off).
Bankruptcy date	The date of the bankruptcy MMDDYYYY (asked at time of write off and can be overridden at time of charge off).
Bankruptcy type	Free form text field used to bankruptcy type; “Chapter 7” as an example (asked at time of write off and can be overridden at time of charge off). 15 positions.
Judgement date	The date of the judgement that was obtained MMDDYYYY (asked at time of write off and can be overridden at time of charge off).
Loan seasoning at WO x months	# of months the loan was on the books calculated by comparing the current date at time of write off to the date opened.
Loan seasoning at CO x months	# of months the loan was on the books calculated by comparing the current date at time of charge off to the date opened.
Collateral type	Collateral type from the first collateral record on file (not overridden at charge off).
Collateral liquidation date	The date that the collateral was liquidated MMDDYYYY (asked at time of write off and can be overridden at time of charge off).
Est value of collateral at WO	Calculated by adding up the “Estimated Value” of all the collateral records on file for this loan.
Est value of collateral at CO	Calculated by adding up the “Estimated Value” of all the collateral records on file for this loan.
LTV at write off	Loan-to-value is calculated using the Estimated value of collateral at write off (from the loan write off file) which is calculated by adding up the Estimated value of all the collateral records on file for this loan). This is then compared to the Loan Balance at write off.
LTV at charge off	Loan-to-value calculated using the Estimated value of collateral at charge off (from the loan write off file) which is calculated by adding up the Estimated value of all the collateral records on file for this loan). This is then compared to the Loan Balance at charge off.