Knowledge Base

The Underwriting Conditions Trigger plugin automatically applies standard underwriting conditions to a loan based on an organization’s defined business rules—before an underwriter opens the file. By automating common conditions, underwriting teams can concentrate on the items that truly require expert review.

Benefits

The Underwriting Conditions Trigger plugin streamlines the underwriting process by automating the application of conditions based on predefined business rules. Organizations using this tool benefit from:

• Reduced manual workload for underwriters
  
• Faster loan processing times
  
• More complete and consistent documentation earlier in the workflow
  
• Improved accuracy, as common conditions are applied systematically
  
• Greater focus on exceptions, allowing underwriters to spend more time on complex or unique scenarios
  

Important

The Underwriting Conditions Trigger plugin supports standard underwriting conditions only.  It does not currently support enhanced underwriting conditions and will not trigger or apply them.

Activation

To turn this tool on:

1. Log in to Encompass® as a Super Admin.

2. Open LTK PowerTools™ from the Encompass® menu. Confirm the license includes the Optimized or Enterprise Tier.

3. Click Settings > PowerTools™ Optimized tab.

4. Turn on UW Conditions Trigger by clicking On.

Important: After activation of the Tool, be sure to wait for the prompt stating that the download is complete prior to continuing.

5. Ensure a license number populated and restart Encompass®.

How It Works

The plugin uses custom fields to automatically apply condition templates. Administrators create a business rule that sets these fields, and the plugin handles condition creation based on that configuration.

The Admin – UW Conditions Trigger Plugin v2 form includes a Trigger Composition Tool, which simplifies configuration.

1. The user selects values for the relevant fields.
   
2. The tool generates the field trigger code automatically.
   
3. The code is then copied into the appropriate business rule.
   

 Admin – UW Conditions Trigger Plugin v2 Input Form

Examples of field trigger code are displayed at the top of the input form.

Test Adding Condition

CX.UWCOND.CLEAR: Use the Clear button or check box to clear the fields in the form.

New Condition Params

This section is used to identify what condition will be applied and to override certain fields if needed.

CX.UWCOND.TITLE: Use the Magnifying Glass icon to select a condition to be added via the trigger rule.

CX.UWCOND.TITLE: Use to override the condition title if needed.

CX.UWCOND.DESCR: This is an optional field that overrides the default condition description.

CX.UWCOND.SOURCE: Use this field to set the condition source.

CX.UWCOND.CATEGORY: Optional – overrides the condition category.

CX.UWCOND.ADDASPRELIM: Use this field to indicate the condition is to be added to the Preliminary Conditions tab not the Underwriting Conditions tab.

Link up to two existing documents (besides default in template):

CX.UWCOND.EXISTINGDOC1/2: Use the Magnifying Glass icon to select the existing document to be automatically linked to the condition.

Link up to two new documents (will be created if needed):

CX.UWCOND.NEWDOC1/2: If needed, use the Magnifying Glass icon select the name of a new document(s) to be automatically linked to the condition.

CX.UWCOND.NEWDOCMILESTONE: If needed, use the Magnifying Glass icon to select the milestone that any new documents are to be assigned to.

Avoid Duplicates:

Use this section to avoid duplicate conditions and documents.  As a best practice, check all 3 boxes.

CX.UWCOND.UNIQUETITLE: Prevents duplicate conditions based on title.

CX.UWCOND.UNIQUEDESCR: Prevents duplicate conditions based on description.

CX.UWCOND.UNIQUEDOCS: Prevents duplicate document creation.

Extra Parameters:

CX.UWCOND.CONVLOG: Adds a conversation log entry for the condition.

CX.UWCOND.DELAYMILLISEC: (Optional) Specify the number of milliseconds to delay before the condition is applied. This is useful when a trigger fires multiple times due to other triggers running in sequence.

CX.UWCOND.COMMIT: Must be set to “Y” (and used last) to trigger condition application.

Current Code – Copy Paste Into Your Field Trigger

This section will display the generated code for administrators to copy and paste into a field trigger rule.

Advanced Use

Additional logic can be added to the rules to control how and when the conditions are applied to a loan.

Installed Components

• Custom Form: Admin – UW Conditions Trigger Plugin v2
  
• Codebase Assemblies: UWConditionsTriggerCodeBase
  
• Custom Data Objects: UWConditionsTriggerPluginLicenseKey.txt
  
• Plugins: UWConditionsTriggerPlugin.dll
  

Custom Fields Created: