This section is intended for loan officers and other loan personnel reviewing loan reports.

You must have a solid working knowledge of Oracle Business Activity Monitoring (BAM) before creating or editing the Oracle Unified Loan Origination (ULO) reports and dashboards. For information on creating and editing Oracle BAM reports, see "Creating and Managing Reports," in Oracle Fusion Middleware User's Guide for Oracle Business Activity Monitoring.

This section covers the Oracle BAM dashboards and reports delivered with Oracle ULO. Oracle Unified Loan Origination includes two dashboards, the Business Loan Origination Dashboard and Consumer Loan Origination Dashboard, with three reports in each dashboard. These reports use information from the loan applications submitted in Oracle ULO. Information from saved loan applications is not used in the reports.

Business Loan Origination Dashboard

The Business Loan Origination Dashboard consists of three dashboards within it - The Operational Dashboard, Product Performance Dashboard, and the Top List Dashboard. Each of the three dashboards consists of views that provide statistical insight into loan applications through count views, tables, and charts. The following provides an explanation and a sample image of the reports and views.

Operational Dashboard

The Operational Dashboard consists of eight views. The first four are listed under the report Today's Activities. These display the number of New Loans, Loans Approved, Loans Rejected, and Loans Closed on a day to day basis. The following provides an explanation and a sample image of the reports and views.

Today's Activities

New Loans

The New Loans view is a collapsed list that displays the number of new loans created within the day.

Loans Approved

The Loans Approved view is a collapsed list that shows the number of loans that have been approved within the day.

Loans Rejected

The Loans Rejected view is a collapsed list that displays the number of loans that have been rejected within the day.

Loans Closed

The Loans Closed view is a collapsed list that displays the number of loans that have been closed within the day.

Application Pipeline

The Application Pipeline view is a 3D stacked bar chart that displays the statuses of various loan types such as Business Term Loan and Equipment Purchase Loan stacked over each other. The number of loan applications is mapped on the Y-axis, with an interval width of five loan applications, from zero to infinity. The status of the loan applications such as New, Submitted, Underwriting Review, Approved, Disbursement Review, and Account Created is mapped on the X-axis. The bar chart has color coded bars for each loan type and they are stacked over each other, corresponding to their statuses in the loan application process. Each bar has a label with the number of loan applications specified on it. Please note that the loan statuses of Rejected, Withdrawn, and Disbursed are not included in the Application Pipeline view.

Incoming Applications

The Incoming Applications view is an updating ordered list that displays the incoming loan applications. It updates in real-time and displays the loan type in the first column, followed by the loan amount specified and the time stamp, in that order, from left to right.

Primary Actors Workload

The Primary Actors Workload view is a collapsed list that displays the number of unresolved loan applications for each user role. The user roles are mentioned in a column on the left. The number of unresolved loan applications is given in a column on the right, against the corresponding user role.

Alerts

The Alerts view is an updating ordered list that displays alert messages when an unsecured loan application has been in the Underwriting Review status for more than a pre-set number of days. The column on the left displays the alert message with the loan type specified in parentheses. The column on the right specifies the time stamp. For viewing all alerts that include secured loans, you can use the Shared Reports page accessible from the Oracle BAM Active Studio.

Product Performance Dashboard

The Product Performance Dashboard consists of four views. It enables you to view the performance of a specific product that you select. You can modify your search by altering the Product and Period parameters. The following provides explanations and sample images of the reports and views.

Average Processing Time in Days

The Average Processing Time in Days view is a stacked bar chart that displays the average processing time of a loan type. The X-axis maps the selected time period. The Y-axis maps the number of days taken to process an application with an interval width of five days, from zero to infinity. The bars map the total average processing time by layering the average closing time over the average loan approval time. The average Approval Time and Close Time are specified on the bars, for each time span. The Approval Time measures the number of days it takes for a loan application to go from the status New to the status Approved. The Close Time measures the number of days it takes a loan application to go from the New status to the Disbursement Review status. Click on any bar to view loan applications details.

New Application Volume

The New Application Volume view is a line chart that displays the number of new loan applications within the selected time period. The X-axis maps the selected time period and the Y-axis maps the number of loan applications, with an interval width of five days, from zero to infinity. The average loan applications are specified as points on the line chart, corresponding to their respective time periods.

Applications Closed

The Applications Closed view is a line chart that displays the number of loan applications that have been moved to the Disbursement Review status within the selected time period. The X-axis maps the selected time period and the Y-axis maps the number of loan applications, with an interval width of two loan applications, from zero to infinity. The average loan applications closed are specified as points on the line chart corresponding to their respective time periods.

Average Approved Loan Amount

The Average Approved Loan Amount view is a line chart that displays the average loan amount that has been approved within the selected time period. The X-axis maps the selected time period and the Y-axis maps the loan amount, with an interval width of $5000, from 0 to $25000. The average loan amounts are specified as points on the line graph corresponding to their respective time periods.

Top List Dashboard

The Top List Dashboard consists of six views. It displays lists of top five products, loan officers, and states within a specified time period. The following provides explanations and sample image of the reports and views.

Top Products (by Application Count)

The Top Products (by Application Count) view is a collapsed list that displays the top five products by the number of loan applications submitted for that product. The column on the left displays the product and the column on the right displays the application count against the corresponding product.

Top Products (by Requested Loan Amount)

The Top Products (by Loan Amount) view is a collapsed list that displays the top five products that have the highest sum of requested loan amounts, within the specified time period. The column on the left displays the products and the column on the right displays the requested loan amount against the corresponding product.

Top Loan Officers (by # of Loans Closed)

The Top Loan Officers (by # of Loans Closed) view is a collapsed list that displays the top five loan officers who have moved the loan application status from Approved to Disbursement Review, in a specified time period. The column on the left displays list of top loan officers. The column on the right displays the number of loans closed against the corresponding product.

Top Loan Officers (by Approved Loan Amount)

The Top Loan Officers (by Approved Loan Amount) view is a collapsed list that displays the top five loan officers who have moved the most high-value loans into the Disbursement Review status, in a specified time period. The column on the left displays a list of top loan officers. The column on the right displays the loan amount.

Top States (by # of Loans Closed)

The Top States (by # of Loans Closed) view is a collapsed list that displays the top five states based on the number of applications that went into the Disbursement Review status within a specified time period, going by the Primary Borrower's address. The column on the left displays the top states by number of loans closed and the column on the right displays the number of loans closed.

Top States (by Approved Loan Amount)

The Top States (by Approved Loan Amount) view is a collapsed list that displays the top five states based on the highest sums of the approved loan amounts, going by the Primary Borrower's address. The column on the left displays the top states and the column on the right displays the loan amounts.

Consumer Loan Origination Dashboard

The Consumer Loan Origination Dashboard consists of eight views. The first four are listed under the report Today's Activities. These display the number of New Loans, Loans Approved, Loans Rejected, and Loans Closed on a day to day basis. The following provides an explanation and a sample image of the reports and views.

Today's Activities

New Loans

The New Loans view is a collapsed list that displays the number of new loans created within the day.

Loans Approved

The Loans Approved view is a collapsed list that shows the number of loans that have been approved within the day.

Loans Rejected

The Loans Rejected view is a collapsed list that displays the number of loans that have been rejected within the day.

Loans Closed

The Loans Closed view is a collapsed list that displays the number of loans that have been closed within the day.

Applications Pipeline

The Applications Pipeline view is a 3D stacked bar chart that displays the statuses of various loan types such as Secured Personal, Unsecured Personal, and Home stacked over each other. The number of loan applications is mapped on the Y-axis, with an interval width of five loan applications, from zero to infinity. The status of the loan applications such as New, Submitted, Underwriting Review, Approved, Disbursement Review, and Account Created is mapped on the X-axis. The bar chart has color coded bars for each loan type and they are stacked over each other, corresponding to their statuses in the loan application process. Each bar has a label with the number of loan applications specified on it. Please note that the loan statuses of Rejected, Withdrawn, and Disbursed are not included in the Applications Pipeline view.

Incoming Applications

The Incoming Applications view is an updating ordered list that displays the incoming loan applications. It updates in real-time and displays the loan type in the first column, followed by the loan amount specified and the time stamp, in that order, from left to right.

Primary Actors Workload

The Primary Actors Workload view is a collapsed list that displays the number of unresolved loan applications for each user role. The user roles are mentioned in a column on the left. The number of unresolved loan applications is given in a column on the right, against the corresponding user role.

Alerts

The Alerts view is an updating ordered list that displays alert messages when an unsecured loan application has been in the Underwriting Review status for more than a pre-set number of days. The column on the left displays the alert message with the loan type specified in parentheses. The column on the right specifies the time stamp. For viewing all alerts that include secured loans, you can use the Shared Reports page accessible from the Oracle BAM Active Studio.

Product Performance Dashboard

The Product Performance Dashboard consists of four views. It enables you to view the performance of a specific product that you select. You can modify your search by altering the Product and Period parameters. The following provides explanations and sample images of the reports and views.

Average Processing Time in Days

The Average Processing Time in Days view is a stacked bar chart that displays the average processing time of a loan type. The X-axis maps the selected time period. The Y-axis maps the number of days taken to process an application with an interval width of five days, from zero to infinity. The bars map the total average processing time by layering the average closing time over the average loan approval time. The average Approval Time and Close Time are specified on the bars, for each time span. The Approval Time measures the number of days it takes for a loan application to go from the status New to the status Approved. The Close Time measures the number of days it takes a loan application to go from the New status to the Disbursement Review status. Click on any bar to view loan applications details.

New Application Volume

The New Application Volume view is a line chart that displays the number of new loan applications within the selected time period. The X-axis maps the selected time period and the Y-axis maps the number of loan applications, with an interval width of five days, from zero to infinity. The average loan applications are specified as points on the line chart, corresponding to their respective time periods.

Applications Closed

The Applications Closed view is a line chart that displays the number of loan applications that have been moved to the Disbursement Review status within the selected time period. The X-axis maps the selected time period and the Y-axis maps the number of loan applications, with an interval width of two loan applications, from zero to infinity. The average loan applications closed are specified as points on the line chart corresponding to their respective time periods.

Average Approved Loan Amount

The Average Approved Loan Amount view is a line chart that displays the average loan amount that has been approved within the selected time period. The X-axis maps the selected time period and the Y-axis maps the loan amount, with an interval width of $5000, from 0 to $25000. The average loan amounts are specified as points on the line graph corresponding to their respective time periods.

Top List Dashboard

The Top List Dashboard consists of six views. It displays lists of top five products, loan officers, and states within a specified time period. The following provides explanations and sample image of the reports and views.

Top Products (by Application Count)

The Top Products (by Application Count) view is a collapsed list that displays the top five products by the number of loan applications submitted for that product. The column on the left displays the product and the column on the right displays the application count against the corresponding product.

Top Products (by Requested Loan Amount)

The Top Products (by Loan Amount) view is a collapsed list that displays the top five products that have the highest sum of requested loan amounts, within the specified time period. The column on the left displays the products and the column on the right displays the requested loan amount against the corresponding product.

Top Loan Officers (by # of Loans Closed)

The Top Loan Officers (by # of Loans Closed) view is a collapsed list that displays the top five loan officers who have moved the loan application status from Approved to Disbursement Review, in a specified time period. The column on the left displays list of top loan officers. The column on the right displays the number of loans closed against the corresponding product.

Top Loan Officers (by Approved Loan Amount)

The Top Loan Officers (by Approved Loan Amount) view is a collapsed list that displays the top five loan officers who have moved the most high-value loans into the Disbursement Review status, in a specified time period. The column on the left displays a list of top loan officers. The column on the right displays the loan amount.

Top States (by # of Loans Closed)

The Top States (by # of Loans Closed) view is a collapsed list that displays the top five states based on the number of applications that went into the Disbursement Review status within a specified time period, going by the Primary Borrower's address. The column on the left displays the top states by number of loans closed and the column on the right displays the number of loans closed.

Top States (by Approved Loan Amount)

The Top States (by Approved Loan Amount) view is a collapsed list that displays the top five states based on the highest sums of the approved loan amounts, going by the Primary Borrower's address. The column on the left displays the top states and the column on the right displays the loan amounts.