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<?xml version="1.0" encoding="UTF-8"?>
<org.eclipse.epf.uma:GuidanceDescription xmi:version="2.0"
xmlns:xmi="http://www.omg.org/XMI" xmlns:org.eclipse.epf.uma="http://www.eclipse.org/epf/uma/1.0.5/uma.ecore"
xmlns:epf="http://www.eclipse.org/epf" epf:version="1.5.0" xmi:id="-eFBjXfqcUn5aoyCQvF0Cfg"
name="new_example,_5vF4gDSyEdyTBtGu8YeFfg" guid="-eFBjXfqcUn5aoyCQvF0Cfg" changeDate="2007-07-25T14:40:44.294-0700"
version="1.0.0">
<mainDescription>&lt;a id=&quot;XE_decision_point__review_example&quot; name=&quot;XE_decision_point__review_example&quot;>&lt;/a> &#xD;
&lt;p class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm&quot;>&#xD;
&lt;span style=&quot;mso-bidi-language: HE&quot;>A little study of the business process under scope, is leading the design team to&#xD;
see at least two or three different decision service that need to be called by an orchestration layer in the&#xD;
application code:&lt;/span>&#xD;
&lt;/p>&#xD;
&lt;ul style=&quot;MARGIN-TOP: 0cm&quot; type=&quot;disc&quot;>&#xD;
&lt;li class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm; tab-stops: list 36.0pt; mso-list: l0 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;mso-bidi-language: HE&quot;>Data validation&lt;/span>&#xD;
&lt;/li>&#xD;
&lt;li class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm; tab-stops: list 36.0pt; mso-list: l0 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;mso-bidi-language: HE&quot;>Loan Underwriting which includes the steps Calculate Risk grade and credit&#xD;
score, Select a loan program, Eligibility, Pricing&lt;/span>&#xD;
&lt;/li>&#xD;
&lt;li class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm; tab-stops: list 36.0pt; mso-list: l0 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;mso-bidi-language: HE&quot;>Manage the result&lt;/span>&#xD;
&lt;/li>&#xD;
&lt;/ul>&#xD;
&lt;p class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm&quot;>&#xD;
&lt;span style=&quot;mso-bidi-language: HE&quot;>The discussions with the business team brought some example of rules of the Data&#xD;
Validation step:&lt;/span>&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;MsoNormal&quot;&#xD;
style=&quot;MARGIN: 3pt 0cm 3pt 54pt; TEXT-INDENT: -18pt; tab-stops: list 54.0pt; mso-list: l0 level1 lfo2&quot;>&#xD;
&lt;span style=&quot;mso-bidi-language: HE&quot;>&lt;span&#xD;
style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> The borrowers need to be at least 18, except in state of Arizona, he needs to&#xD;
be above 21 at the date of the loan application&lt;/span>&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;MsoNormal&quot;&#xD;
style=&quot;MARGIN: 3pt 0cm 3pt 54pt; TEXT-INDENT: -18pt; tab-stops: list 54.0pt; mso-list: l0 level1 lfo2&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> It is possible to have one borrower and one co-borrower, but there is always&#xD;
one primary borrower in the loan application. There can be no, or at most one co-borrower&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 54pt; tab-stops: list 54.0pt; mso-list: l1 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> An employer should be associated to a non self-employed applicant.&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 54pt; tab-stops: list 54.0pt; mso-list: l1 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> No employer can be associated to a self-employed applicant.&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 54pt; tab-stops: list 54.0pt; mso-list: l1 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> A requested loan amount less than 0 is invalid.&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 54pt; tab-stops: list 54.0pt; mso-list: l1 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> The property information should be given&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 90pt; tab-stops: list 90.0pt; mso-list: l1 level2 lfo1&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: 'Courier New'; mso-fareast-font-family: 'Courier New'&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>o&lt;/span>&lt;/span> Address, zip code&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 90pt; tab-stops: list 90.0pt; mso-list: l1 level2 lfo1&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: 'Courier New'; mso-fareast-font-family: 'Courier New'&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>o&lt;/span>&lt;/span> Year built&#xD;
&lt;/p>&lt;br class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 54pt; tab-stops: list 54.0pt; mso-list: l1 level1 lfo1&quot; />&#xD;
&lt;br />&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 54pt; tab-stops: list 54.0pt; mso-list: l1 level1 lfo1&quot;>&#xD;
The purpose of the loan should include one of Purchase, construction, refinance, construction-permanent or other. And&#xD;
also the broker needs to specify is it is an investment, a secondary or primary residence. If the the property is a&#xD;
construction or construction-permanent we also need to get some information&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 54pt; tab-stops: list 54.0pt; mso-list: l1 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> myLending is not doing business in North Dakota or South Dakota.&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;bulletedl2&quot; style=&quot;MARGIN: 3pt 0cm 3pt 54pt; tab-stops: list 54.0pt; mso-list: l1 level1 lfo1&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> Family income needs to be present&#xD;
&lt;/p>&lt;br class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm; tab-stops: list 36.0pt; mso-list: l0 level1 lfo1&quot; />&#xD;
&lt;br />&#xD;
&lt;br class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm 3pt 18pt&quot; />&#xD;
&lt;br />&#xD;
&lt;p class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm&quot;>&#xD;
&lt;span style=&quot;mso-bidi-language: HE&quot;>From there we can see that there is some global rules and some state related ones.&#xD;
It seems that the number of rules for data validation is not high and a rule set around 100,150 rules will be designed.&#xD;
But we can guess that some of those rules may be shareable in the future.&lt;/span>&#xD;
&lt;/p>&lt;br class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm&quot; />&#xD;
&lt;br />&#xD;
&lt;p class=&quot;MsoNormal&quot; style=&quot;MARGIN: 3pt 0cm&quot;>&#xD;
&lt;span style=&quot;mso-bidi-language: HE&quot;>We can also extract the following business terms:&lt;/span>&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;MsoNormal&quot;&#xD;
style=&quot;MARGIN: 3pt 0cm 3pt 18pt; TEXT-INDENT: -18pt; tab-stops: list 18.0pt; mso-list: l2 level1 lfo4&quot;>&#xD;
&lt;span&#xD;
style=&quot;FONT-FAMILY: Symbol; mso-bidi-language: HE; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> &lt;b style=&quot;mso-bidi-font-weight: normal&quot;>Borrower&lt;/b>: &lt;span&#xD;
style=&quot;mso-bidi-font-family: Arial&quot;>a person who has been approved to receive a loan and is then obligated to repay it&#xD;
and any additional fees according to the loan terms&lt;/span>&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;MsoNormal&quot;&#xD;
style=&quot;MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; TEXT-ALIGN: justify; tab-stops: list 18.0pt; mso-list: l2 level1 lfo4&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> &lt;b>&lt;span style=&quot;mso-bidi-font-family: Arial&quot;>Co-Borrower&lt;/span>&lt;/b>&lt;span&#xD;
style=&quot;mso-bidi-font-family: Arial&quot;>: an additional individual who is both obligated on the loan and is on title to the&#xD;
property&lt;/span>&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;MsoNormal&quot;&#xD;
style=&quot;MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; TEXT-ALIGN: justify; tab-stops: list 18.0pt; mso-list: l2 level1 lfo4&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> &lt;b>&lt;span style=&quot;mso-bidi-font-family: Arial&quot;>Credit History&lt;/span>&lt;/b>&lt;span&#xD;
style=&quot;mso-bidi-font-family: Arial&quot;>: a record of an individual's repayment of debt. Credit histories are reviewed my&#xD;
mortgage lenders as one of the underwriting criteria in determining credit risk&lt;/span>&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;MsoNormal&quot;&#xD;
style=&quot;MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; TEXT-ALIGN: justify; tab-stops: list 18.0pt; mso-list: l2 level1 lfo4&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> &lt;b>&lt;span style=&quot;mso-bidi-font-family: Arial&quot;>Loan&lt;/span>&lt;/b>&lt;span&#xD;
style=&quot;mso-bidi-font-family: Arial&quot;>: The principal or amount of total borrowed money that is repaid with&#xD;
interest.&lt;/span>&#xD;
&lt;/p>&#xD;
&lt;p class=&quot;MsoNormal&quot;&#xD;
style=&quot;MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; TEXT-ALIGN: justify; tab-stops: list 18.0pt; mso-list: l3 level1 lfo3&quot;>&#xD;
&lt;span style=&quot;FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol&quot;>&lt;span&#xD;
style=&quot;mso-list: Ignore&quot;>·&lt;/span>&lt;/span> &lt;b>&lt;span style=&quot;mso-bidi-font-family: Arial&quot;>Loan-To-Value&#xD;
(LTV)&lt;/span>&lt;/b>&lt;span style=&quot;mso-bidi-font-family: Arial&quot;>: the percentage relationship between the amount of the loan&#xD;
and the appraised value or sales price (whichever is lower).&lt;/span>&#xD;
&lt;/p></mainDescription>
</org.eclipse.epf.uma:GuidanceDescription>