ACCELERATE automotive lending with a rule-based decisioning process that PRESCREENS, APPROVES and DECLINES applicants in real-time. MANAGE gray areas with queue management and e-mail alerts. FINISH the process with automated declination letters
How does the following table get processed?
When the application is submitted, the prescreen level is checked first. If it passes, it submits and decisions the application. During decisioning, levels are checked in chronological order. If all rules pass for a level, the application is assigned this level or decision.What is Manual Review?
Manual Review levels are optional and are mainly used for managing gray areas. If an application is questionable, it can be assigned this decision and an e-mail sent to the manager of this queue. That person can then review the information and change the decision to one of the available choices.| Decision Table Sample | |||
Prescreen |
Approved |
Manual Review |
Declined |
 Age of Applicant >= 0
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Score Card >= 700
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Score Card >= 600
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No rules defined |
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Time At Residence >= 1
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Num of Trades Past Due = 0
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Num of Trades Past Due < 2
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Decline application and send declination letter |
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Total Gross Income >= 24,000
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 Num of Collections = 0
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Num of Collections <= 1
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Retail NSF Screen = Clear
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Num of Charge Offs = 0
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Num of Charge Offs <= 2
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OFAC Screen = Clear
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Debt to Income Ratio <= 25%
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Num Of... 90-180 Days = 0
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Allow Bankruptcy = No
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Approve application and send welcome letter | Send e-mail alert to manually review credit report before making a decisions | |
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Verify Bankruptcy = Clear
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Authentication Score >= 900
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This example illustrates a basic decision table with a prescreening level and three decision levels. A decision table should always have an approval level and a declining level with never more than 25 total levels.
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