Description
The process continues normally if there are not clients associated to the case reported in the black list.
Gates
No
Condition Type
Default
Yes
Condition
If the applicant is reported in the Black List, the case continues to Verify Analysis.
Description
A check is made to see whether the applicant already has an application in progress or. The process continues with Verify Analysis.
KUSA number is needed for this check to be appropiate
Gates
No
Condition Type
Default
Yes
Condition
A check is made to see whether the applicant has a previous application in progress.
Description
In this stage, the analysis of each of the applicants, including the borrower and all the different roles, is carried out with the aim of identifying if they are viable according to the level of risk policies of the entity.
Performers
Duration
20 Minutes
Description
If the capacity of indebtedness is not sufficient for any of the applicants, the application is rejected.
Gates
Yes
Condition
If the user is rejected following the calculation of payment capacity, the case is closed.
No
Condition Type
Default
Description
The existence of the applicants in the Negative Lists and Internal Lists of the Entity is checked to obtain the Type and Cause for Rejection, if so.
Implementation
WebService
Description
Customer is either in blacklist or has a isotry in the LBBW / SL group. The user will decide whether to change the applicants, finalize the application, or -after contact the LBBW account manager- continue with it.
Performers
Duration
20 Minutes
Description
If the user decides to add a new applicant, the analysis of the information and verification in the black list of the new applicant will be carried out, to be able to continue with the application. Otherwise, the case is rejected and closed.
Gates
Yes
Condition
A check is made as to whether a new applicant is to be added. It continues to Include Initial Information
No
Condition Type
Default
