CLR Path Template Configuration

Screen ID:

Screen Title:

Panel Number:

UCLRCRT-02

CLR Path Program Configuration

7052

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Access this screen by selecting a CLR Path program template on the entry screen and then Edit or View.

Related Resources

Overview: CLR Path Decision Advisor

CLR Path Decision Advisor booklet

Frequently Asked Questions on CLR Path Decision Advisor

This screen allows you to configure a CLR Path program template. Learn more about CLR Path using the links provide above.

When all criteria changes are made, use Update (F5) to return to the entry screen which will show the program templates created. These templates can be attached to the loan product configuration on the general information screen to be used during the loan application process or they can be selected via the loan action codes.

Field Descriptions in Top Section

The top of the screen allows you to identify the program template, to exclude accounts of certain membership designations and to activate the template and supply a passing score.

Field	Description
Code	Enter a code to be used when connecting this program template to a loan product or when running the model independently of loan processing.
Description	Enter a description identifying this model.
Exclude if membership designation (x selected)	Use the Select button to select specific membership designation. This program template will not be run against memberships of these membership designation(s).
Activate criteria and specify points: Minimum score to pass	Minimum number allowed for this field is 1 (one). Use this to activate this program template and to set the minimum passing score. (Members having this score or greater will receive a passing score.)

Field Descriptions (With Tables/Files and Columns/Fields Used)

In the next section of the screen are the criteria you can use to develop your program template. Give points for the criterium you wish to use. You can give negative points. To activate the criterium, you must check the box to the left. Otherwise the criterium is not used in the evaluation when the program template is run. This allows you to have different criteria for each program template.

Members do not need to meet any special criteria to have a program template run against them.

A member can receive zero points for a criterium in the CLR Path results. If you do not check a criterium, it will not show in the CLR Path results detail screen and will not be used to calculate the score. If you subsequently alter the program template, the existing results will still show results based on the criterium used when the program template was run

NOTE: The final score is saved in the CLRPRESULT table (file).

Field	Description
Membership open at least x months	Enter a number of months to go back to look for an open date. The system checks the Master table (file) and the Open Date column (field).
Member age between x and x	Primary member’s age is between x and x months. The system checks the Master table (file) and the Birthdate column (field) and runs an age Query.
Most recent credit score between x and x (if pulled in the past x months)	Credit scores in credit score history table fall between specified range. The system will look back the specified number of months to find the score. NOTE: Soft pull credit scores are evaluated. The system checks the most recent score in the CRBCSH table (file) in the previous number of months provided.
Average aggregate share balance over the previous x months of at least x (include SH/SD/CD/IR/TX)	The number of months to go back and check for a balance of at least x dollars. The system will look at the types of accounts specified for this balance. The system uses the MBRBAL table (file) and the EOM Balance columns (fields) to calculate a total. Then this is divided by the # of months. The Comparison data will show the total.
At least x paid off loans in the previous x months	The specified number of loans have been paid off in the specified number of months. The system uses the ACHIST5 and ACHIST6 tables (files) and looks for the WRTOFF column (field) with a value of 0 (zero). The payoff count also uses the CLODAT column (file) against today’s date.
Previous paid off loan balance higher that x	The dollar amount to check against the distribution limit of loans. The system sums the DBLIMT column (field) in the ACHIST5 and ACHIST6 tables (files) and also ensures that the value of the WRTOFF column (field) is 0 (zero). Then it takes a sum of the disbursement amount and compares to the criteria that is entered in the configuration.
ACH and/or payroll deposits of at least x per month over previous x months	The dollar amount to check for ACH or payroll deposits. The number of months to go back to check for these deposits. The total ACH deposits for each month individually has to be at least the dollar amount in the configuration. The system checks the HTRANS1 file for Transaction Types 16 and 18 and looks at the date range chose in the configuration. Important note: This configuration uses calendar months. For example, if you select two (2) months, the system identifies the 1st day of the current month (i.e., 3/1/2024) and subtracts 1 day (i.e., 2/29/2024) and 2 months (i.e., 1/1/2024) to identify the total value of ACH/payroll deposits to a member’s account for each period (in this example 1/1/2024 to 1/31/2024 and 2/1/2024 to 2/29/2024). The member must have received $xxx of ACH/payroll deposits for each of these months. Additionally, for the “previous x month” enter a number <=12, unless special arrangements are made with the availability of the transaction files on the system. Contact Asterisk Intelligence for more information about extensions.)
Tiered services level-Basic	Primary member is Tiered Service Level Basic. The system looks at the score in the TIERDL table (file).
Tiered services level-A	Primary member is Tiered Service Level A. The system looks at the score in the TIERDL table (file).
Tiered services level-B	Primary member is Tiered Service Level B. The system looks at the score in the TIERDL table (file).
Tiered services level-C	Primary member is Tiered Service Level C. The system looks at the score in the TIERDL table (file).
SEG/Sponsor code (x selected)	Use the Select button to move to a screen where you can select the SEG/Sponsor codes. When you return to this screen, the number selected will appear. The system looks for the presence of this code in the membership. The system looks for the selected Seg code(s) in the MASTER table (file).
Insider/Employee types (x selected)	Use the Select button to move to a screen where you can select the Insider/Employee types. When you return to this screen, the number selected will appear. The system looks for the presence of this type in the membership. The system looks for the selected Insider/Employee types in the MASTER table (file).
Loan balance of x to x	The system reviews the range of dollar amounts to look for closed-end loan accounts. The system reviews the MEMBER5 table (file) and tallies a total of combined balances on loans by account base that have a status of Active.
LOC balances of x to x	The system reviews the range of dollar amounts to look for of open-end loan accounts. The system reviews the MEMBER6 table (file) and tallies a total of combined balances on loans by account base that have a status of Active.
Loan category code (x selected)	Use the Select button to move to a screen where you can select the Loan categories. When you return to this screen, the number selected will appear. Look for the presence of this code in the loan of the membership. The system reviews both the MEMBER5 and MEMBER6 tables (files) and looks for loans with the selected loan categor(ies).
Loans currently in delinquent status	The system will check if any of the member’s existing loans are delinquent. The system reviews both the MEMBER5 and MEMBER6 tables (files) and looks for loans where the DLQBAL column (field) is not 0 (zero).
Loans currently over limit	The system will check if any of the member’s existing loans are overlimit. The system reviews the MEMBER5 and MEMBER6 tables (files) and looks for loans where the CURBAL column (field) value is > (greater than) the DBLIMT column (field).
Loans active or closed have been delinquent more than x times	The system will check if any of the members loans (open or closed) are delinquent more than the selected number of times. NOTE: You can use this criterium to give negative points for both open and closed loans. The system reviews the MASTER table (file) and the DELQCT column (field). NOTE: There is no “previous xx months” timeframe associated with this criterium. The value in the DELQCT column (field) equals the total number of times a loan is/was delinquent for every loan for the member in the MEMBER5, MEMBER6, ACHIST5, and ACHIST6 tables (files).
Loan write-offs/ charge-offs in previous x months	The system will check if the member has any written off or charged off loans in the previous selected number of months. The system reviews the LNWRTOFF table (files) and the WOACCTBS and WOWDATE columns (fields).