Using the minimum of stated and verified (3rd party) income to prescore affordability. Also any rental income is omitted from this calculation Uses stated income and also use any rental/other income Clean table with affordability checks - Free liqudity (monthly) - Liquidity indicator (relative to income) - Degree of debt (based on the utilized income) Will use the "utilized income" which is evaluated as min(stated, fetched) if pre-score ok, and state if not. ## Credit Evaluation Process Start Initiates the comprehensive credit evaluation process for loan applications. - Input: Application data ready for detailed credit assessment - Actor: System automatically starts the evaluation workflow - Outcome: Process begins with risk classification analysis Flow_1p1bcfj Flow_1950n0e Flow_0t51qbu DataStoreReference_05j4tes Flow_0kpvjnr Flow_0p9944v DataStoreReference_0281q8f Flow_1p1bcfj Flow_0f1o817 DataStoreReference_0mtx4xb Flow_0f1o817 Flow_1950n0e DataStoreReference_0om8xgv Flow_0t51qbu Flow_1e9c17e DataStoreReference_0d49ovd Flow_038mmap Flow_01spshu ## Credit Evaluation Process Complete Finalizes the comprehensive credit evaluation with policy assessment results. - Process result: Complete credit evaluation including risk and affordability assessment - Actor: System completes the evaluation workflow - Outcome: Application proceeds with evaluation results to decision process Flow_0sim3cy ## Evaluate Credit Policies Final evaluation of application against all credit policies and lending criteria. - Policy evaluation: Consolidates risk, affordability, and policy compliance assessment - Actor: Business rules engine performs comprehensive policy evaluation - Outcome: Final credit evaluation result ready for decision process Flow_01spshu Flow_058z5a1 Flow_058z5a1 Flow_0sim3cy ## Household Processing Loop Processes affordability calculations for each household in the application. - Processing scope: Individual household financial capacity and affordability - Actor: System processes each household through affordability assessment - Outcome: Consolidated household affordability results for policy evaluation Flow_0p9944v Flow_038mmap ## Household Loop Start Initiates affordability processing for individual household. - Input: Household data ready for affordability calculation - Actor: System starts household-specific affordability workflow - Outcome: Begins with household affordability calculation Flow_12wxnqj ## Calculate Household Affordability Computes the financial capacity and affordability metrics for the household. - Calculation inputs: Income, expenses, existing debts, and financial obligations - Actor: Stacc affordability system performs detailed affordability calculations - Outcome: Affordability metrics ready for business rule assessment gateway-prescore-has-hits-yes Flow_14h24ts DataStoreReference_1vubp17 ## Assess Household Affordability Evaluates household affordability against lending policy criteria. - Assessment criteria: Debt-to-income ratios, stress testing, and policy limits - Actor: Business rules engine evaluates affordability calculations - Outcome: Household affordability approval or rejection decision Flow_0h4kq9g Flow_05iv2fo ## Household Loop Complete Completes affordability processing for individual household. - Process result: Household affordability assessment completed - Actor: System completes household-specific processing - Outcome: Results contribute to overall application evaluation Flow_1dl6pb6 Flow_1c6qjom Flow_1dl6pb6 Flow_05iv2fo Flow_1c6qjom DataStoreReference_072d1b8 Flow_12wxnqj Flow_0tgeq1g DataStoreReference_1lrd2xx Flow_0tgeq1g Flow_18f51q2 Flow_18f51q2 gateway-prescore-has-hits-yes gateway-prescore-has-hits-no ${__gateway_outgoing_path == "gateway-prescore-has-hits-yes"} Flow_14h24ts gateway-prescore-has-hits-no Flow_0h4kq9g ${__gateway_outgoing_path == "gateway-prescore-has-hits-no"} Flow_1e9c17e Flow_0kpvjnr