Impact of Null Variables on Decisioning

Impact of Null Variables on Decisioning (8/8/2019)

Notes:

If the actual variable value for a variable used in a matrix is outside the range setup in the matrix, then the matrix is not evaluated and the logic described here applies. For example: If the variable "Approved Loan Amount” is used in an axis of the Term Matrix and the range for Approved Loan Amount in the axis is 0-1000, then we would be unable to evaluate the Term Matrix for any application with approved loan amount over $1000.

2)	String variables that are null are evaluated as an empty string, so the rule or rule part would be false.

If any variable used in…

…is Null, then…

Why do we do this?

Routing

The Routing Rule with the Null variable is evaluated. The Rule Part is considered FALSE.

•	The Rule Part is False, but the Rule may be True or False depending on the structure and evaluation of the Rule.

So that an application isn’t mistakenly mapped to an incorrect product.

Verification

The Verification Rule is not evaluated. The System Decision is set to Refer.

•	ReferReason > ReasonText = [Variable Name] in Verification rule is missing. Rule could not be evaluated.

o	This is what gets displayed in Lending 360.

•	The application is rejected by Verification. Credit is not pulled. The decision is not processed.

So that an application isn’t mistakenly rejected prior to pulling credit.

Tier Matrix

The Tier Matrix is not evaluated. The Approved Tier is set to Null.

•	When there is no tier assigned via the Tier Matrix, there is no Tier category to continue with evaluating tier custom rules.

•	The Tier displayed in Lending 360 is blank (no value displayed).

So that incorrect tier is not assigned.

Tier Custom Rules

The Tier Custom Rule is not evaluated. The Approved Tier is set to Null.

•	The Tier displayed in Lending 360 is blank (no value displayed).

•	The Decision Log displays “(expression has an undetermined value)” for the applicable custom rule.

So that the Tier being considered cannot be mistakenly accepted.

Loan Amount Matrix

Loan Amount Matrix is not evaluated. System Approved Loan Amount is set to $0.00.

•	Process continues to review Loan Amount Custom Rules.

So that incorrect loan amount is not assigned.

Loan Amount Custom Rules

The Loan Amount Custom Rule is not evaluated. System Approved Loan Amount is set to $0.00.

•	At the end of the Decision evaluation, if the System Decision is Approve, it is set to Refer. (If System Decision is Decline, it is not set to Refer).

•	The Decision Log displays “(expression has an undetermined value)” for the applicable custom rule.

•	If the System Decision is set to Refer due to System Approved Loan Amount = 0.00 or Null, Reason>RuleReason = Approved Loan Amount Could not be calculated

o	The RuleReason gets displayed in Lending 360

So that incorrect loan amount is not assigned.

Term Matrix

Term Matrix is not evaluated. The System Approved Term is set to Null.

•	Process continues to review Term Custom Rules.

So that incorrect term is not assigned.

Term Custom Rule

The Term Custom Rule is not evaluated. The System Approved Term is set to Null.

•	At the end of the Decision evaluation, if the System Decision is Approve, it is set to Refer. (If System Decision is Decline, it is not set to Refer).

•	The Decision Log displays “(expression has an undetermined value)” for the applicable custom rule.

•	Reason>RuleReason = Term could not be calculated

o	RuleReason is displayed in Lending 360.

So that incorrect term is not assigned.

Rate Matrix

The Rate Matrix is not evaluated. The System Approved Rate is set to Null.

So that an incorrect rate is not assigned.

Rate Custom Rule

The Rate Custom Rule is not evaluated. The System Approved Rate is set to Null.

•	The Null Rate is displayed in Lending 360 as “0.00”.

•	The Decision Log displays “(expression has an undetermined value)” for the applicable custom rule.

So that an incorrect rate is not assigned.

Decision Matrix

The Decision Matrix is not evaluated. The System Decision is set to Refer.

•	Process continues to review Custom Decision Rules.

•	Reason > RuleReason = Decision Matrix – [Variable Name] (0)

o	RuleReason is displayed in Lending 360.

So that an application isn’t mistakenly Approved or Declined.

Decision Review Rules

The Decision Review Rule is not evaluated. The System Decision is set to Refer

•	The Decision Log displays “(expression has an undetermined value)” for the applicable custom rule.

•	If System Decision is set to Refer due to a variable having an undetermined value, then Reason>RuleReason =

Unable to evaluate decision due to variable with undetermined value. System Decision set to Refer.

•	The RuleReason is displayed in Lending 360.

So that an application isn’t mistakenly Approved or Declined.

Decision Custom Rules

The Decision Custom Rule is not evaluated. The System Decision is set to Refer

•	The Decision Log displays “(expression has an undetermined value)” for the applicable custom rule.

•	If System Decision is set to Refer due to a variable having an undetermined value, then Reason>RuleReason =

Unable to evaluate decision due to variable with undetermined value. System Decision set to Refer.

o	The RuleReason is displayed in Lending 360.

So that an application isn’t mistakenly Approved or Declined.

Stipulation Review Rules

The Stipulation Rule with the Null variable is evaluated. The Rule Part is considered FALSE.

•	The Rule Part is False, but the Rule may be True or False depending on the structure and evaluation of the Rule.

So that a Stipulation isn’t mistakenly placed.

Stipulation Custom Rules

The Stipulation Custom Rule with the Null variable is evaluated. The Rule Part is considered FALSE.

The Rule Part is False, but the Rule may be True or False depending on the structure and evaluation of the Rule.

So that a Stipulation isn’t mistakenly placed.

Notation Custom Rules

The Notation Custom Rule with the Null variable is evaluated. The Rule Part is considered FALSE.

The Rule Part is False, but the Rule may be True or False depending on the structure and evaluation of the Rule.

So that a Notation isn’t mistakenly placed.

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