Summary

Credit Providers require an automated, real-time mechanism to manage borrower statuses during the loan origination process. The existing Client Batch Status Workflow runs at scheduled daily intervals, which creates operational friction.

For instance, if a borrower misses a payment on Day X due to a delayed paycheck, their status automatically flips to "Overdue," blocking further lending. When the borrower repays the balance on Day Y and immediately reapplies, a supervisor must manually override their status before a Loan Officer can issue a new loan. On high-volume days, this dependency creates bottlenecks and increases exposure to operational risk.

By introducing real-time, rule-based status updates during the loan application flow, Credit Providers can remove manual touchpoints, accelerate turnaround times, and mitigate human error without granting broad administrative permissions to line staff.

Setups

1. Security & Resources

• New Resource: Setups > Security > Roles > Edit Role > Client Auto-Status
• Access Level: Restricted to administrators to prevent unauthorized rule creation.

2. Configuration Interface

• Navigation: To configure the automatic status change of clients, navigate to Setups > Clients > Auto-Status.
• Action: Add / Edit Status Change Rules

Core Execution Workflow

*Note: If no prior status exists in the Client Log when "Use Previous Status" is enabled, the system falls back to the Default Status defined in Client General Setup.

[User Clicks "New Loan"]
          ¦
          v
[Check Current Client Status]
          ¦
          +--> Matches Rule Criteria in 'Allowed Status Change'? --> NO  --> Proceed with standard flow
          ¦
          v = YES
[Verify Conditions (e.g., 'All Loans Paid')]
          ¦
          +--> Conditions Met? --> NO -----------? Direct to approval/decline
          ¦
          v = YES
[Determine Target Status]
          ¦
          +--> 'Use Previous Status' = TRUE  --> Fetch 'Original Value' from Client Log*
          +--> 'Use Previous Status' = FALSE --> Fetch selected 'New Status'
          ¦
          v
[Update Status & Record System Audit Log]

Trigger Points & System Interactions

Real-time evaluation runs immediately when a user navigates to any of the following entry points:

• Client Administration > Search > New Loan
• Client Administration > Search > Summary (Requires the modern Client Summary Form resource; legacy popup summary list is unsupported)
• Client Administration > Search > Loan Process > New Loan

Audit & Reporting

Every automated status adjustment must generate an explicit audit entry detailing the system-driven change:

• Client Log Location: Client Administration > Search > Client Log
• Reporting Location: Reporting > Administration > Client Log Report