Loan Screens > Account Information Screen Group > Reserves Screen Group > Reserve Analysis Screen > Reserve Analysis tab > Analysis Information field group

Entry: User, date

F/M: Yes

Mnemonic: BLEFDT

Screen: Loans > Account Information > Reserves > Reserve Analysis > Reserve Analysis tab

This field is file maintainable. It defaults to either the next payment date or, in the event the loan due date is in the future, it will default to the loan due date (pulled from the Common Loan Information field group). Whatever date is used determines with which payment due date the new payment begins and also with which month the projection begins. You cannot enter a date in the past. However, if the loan is paid in the future or is delinquent and you enter today's date or greater, the system will adjust the reserve projected and required balances by either subtracting or adding reserve payment amounts to the reserve balances on the Loans > Account Information > Reserves > Reserve Analysis Projections screen.

Example: If the loan due date is 6-1 and you pull up the screen on 6-15, the analysis date will be 7-1 (the next payment date). If on 6-15 the due date is 8-1, the analysis date would be 8-1 (the loan due date). If the loan due date is 4-1, then on 6-15 the analysis date would be 7-1 (the next payment date). This is also true for bi-weekly loans.

The next payment date is the due date of the next payment, which would be due after the date you perform the online analysis.

History starts from the date of the last projection stored is stored on the Online Analysis Projection tab. If there is no projection, then the Last Analysis Date is used. If you want more or less history, you should change the Last Analysis Date in file maintenance mode.