Loan Application - Personal Data

Screen ID:	UHLCINFO-01
Screen Title:	Address/Personal Information
Panel ID:	5199a
Tool Number:	Multiple
		Click here to magnify

This screen appears after using the Complete Loan Application button on the Loan Recap screen, after all co-signer information has been completed and credit reports, if appropriate, have been pulled.

Helpful Resources

I keep getting locked out a loan application. What is the "correct" way to exit a loan application without locking someone else or myself out of it?

I am a loan officer reviewing the application screens with a loan underwriter and the loan underwriter changes are not being saved. Why is this happening?

I select a loan request and then when I am on the loan application screens, I do not see all ten buttons at the bottom of the screen. Why is this happening?

A similar screen will appear when maintaining household information after using the Change option on the Household Members screen.

How Loan Applications Work with the Household Database

Integration between CU*BASE and Your Imaging Solution

This screen has a link to your imaging solution to further integrate with CU*BASE. The “Scan Doc” button is used for scanning a document into your imaging solution. The “View Doc” button is for retrieving images from your imaging solution. The “Request Doc” button is for sending an email request to a member with instructions to securely upload a document or other image to your imaging solution.

Remember: Only documents warranted by the CU*Spy online vault can be scanned into that vault.
Clients with in-house imaging solutions should contact Imaging Solutions for assistance configuring links for use with your vault.

Screen Overview

For loan applications, this screen shows basic information about the loan request, including personal information about the applicant and co-applicant.

If any of Personal Data, such as address or license number is incorrect, use Name/Address (F14) (first screen, second screen) to access the appropriate maintenance screen and make the necessary changes.

When ready, use Enter to save and proceed to the next screen, or use any of the tabs at the bottom of the screen to proceed directly to the desired area of the application.

If you see asterisks on this screen, it is due to the privacy configuration.

When accessing this screen for the first time, if you want to simply pull in data from the household database and exit without moving through the remaining screens, move to the Summary screen and use Save/Done (F10) to exit.
IMPORTANT NOTE: Do not use the button (F7) if you wish to save changes on this screen. In fact, using on any of the application screens will actually clear any data from that screen without saving it from the household database. Using the button (F3), however, will save changes made to the screen. It is recommended, however, that you use Save/Done (F10) to exit this screen after making changes to it.

Field Descriptions - LOAN APPLICATION

Field Name	Description
Relationship	(Appears only if a co-applicant was selected for this application.) Use this informational field to record the relationship this co-applicant has to the primary borrower (i.e., father, friend, etc.). Remember that this is different from the Relationship field that appears in household maintenance. NOTE: This will not currently print on either of the CU*BASE standard loan application forms.
Type	(These appear only if a co-applicant was selected for this application.) Choose one of the following to record the type of co-applicant for this loan: Co-Applicant (C) Guarantor (G) Spouse (S) The use of these choices is generally governed by credit union policy.
Personal data on the screen	This shows either the personal data (address, etc) of either the applicant or co-applicant. If any of Personal Data, such as address or license number is incorrect, use Name/Address (F14) (first screen, second screen) to access the appropriate maintenance screen and make the necessary changes. NOTE: While most of the personal data shown on this screen is pulled from the MASTER membership files (or the MSNONMBR non-member files), there are a couple of data points on this screen that pull from the loan app itself, and do not reflect changes made to MASTER/MSNONMBR. Specifically, Phone and Birthdate will always show what was in the loan app file when it was first created. (Most loan forms usually pull data directly from the app file, too.) If these do not appear to be in synch with your master records, simply clear the app data and then recreate it using the features on the Loan Recap screen, and you’ll see the updated data the next time this screen is displayed.
Collateral details on the screen	This shows the details of the collateral attached to the loan. To view more details or to perform maintenance, use the Update button to move to the Collateral screen. (Refer to this screen for more details on these fields.) If a multiple collateral items exist for this loan application, this screen will show the CLTV. If only one collateral record exists, the LTV will be calculated.
Repayment	This field lets you indicate how the loan will be paid back. This is informational only; no actual repayment program will be set up on the system using these fields.

Buttons

Buttons	Description
Toggle-(Applicant/Co-Applicant)	Use or the “Toggle Co-Applicant/Applicant” link to toggle the information on the screen between that of the applicant and that of the co-applicant.
Save/Backup (F3) (not shown)	Use this to return to the previous screen. Changes made to this screen will be saved.
Uunderwriting Comments (F5)	Use this to view or edit Underwriting Comments for this member.
Save/Done (F10)	Use this to exit and return to the Loan Recap or Household Members screen. Any changes made to this screen will be saved.
Plastics/OTB (F12)	Use this to view information about ATM and debit cards, as well as any Off Trial Balance (OTB) credit card, savings, or loan accounts for this member.
Name/Address (F14)	Use this to edit name and address information for the primary applicant or co-applicant in your credit union's master membership or non-member files. A window will appear first to let you select either applicant or co-applicant.
Change Co-Applicant (F15)	Use this to remove a co-applicant from this loan application, add a new co-applicant, or record additional signers for this application.
Update Collateral (F16)	Use this or the Update button in the collateral area to access details and perform maintenance on the collateral attached to the loan.

Additional Video Resources

View more lending videos.

Visit the CU*BASE video library.