Loans > Loan Screens > Marketing and Collections Screen > CIF tab

Information in the Misc Borrower Information field group displays information about this borrower, such as birthday, driver's license, etc.

Most of the information in this field group is initially entered during loan origination or through the Households screen in CIF (found under Customer Relationship Management in the tree-view in CIM GOLD).

miscborrowerinfofg_macs

The fields in this field group are as follows:

Field

Description

Birth Date

Mnemonic: NDBDAT

Enter the IRS owner's birth date here. Enter the date using MMDDYYYY format, or use the drop-down calendar to select the date.

Age

Mnemonic: N/A

This is the age of the borrower.

Date of Death

Mnemonic: NDDTDT

If the account owner is deceased, use this field to indicate the death date of the account owner being edited. See below for more information.

This field is found on several screens in CIM GOLD including the Customer Relationship Management > Households screen > Names tab and Loans > Insurance > Adjustments screen. A user can file maintain the death date from one of these three screens and it will apply to every screen.

When a Date of Death is entered, the system records the death date and a new field appears to the right: Death Recorded Date (NDDDRD).

For loan accounts, at monthend the system automatically changes the Account Ownership Code for that customer to "20" (Deceased). The ECOA Code (from the Customer Relationship Management > Households screen > Accounts tab) for the customer changes to "X" (Consumer Deceased) as part of the Credit Reporting process. This information is passed to the Credit Report and transmission to the Base Segment of the loan accounts this person owned. If the person was a co-owner or some other ownership on accounts, this information is reported in the J1/J2 Segments for those loan accounts where they were not the IRS owner.

After the customer has been reported as deceased to the credit repositories, the next month of credit reporting the person no longer appears on the Credit Report and transmission.

If the customer was a co-owner on a loan account, the co-owner automatically becomes the IRS owner after the deceased customer is reported to the Credit Bureaus. For accounts where there are multiple account owners, the system uses the order of the sequence numbers. For example, if an account had four co-owners, and the co-owner with sequence 1 dies, the co-owner with sequence 2 would then move up to sequence 1 and he or she would then be the IRS owner on the account.

If the Date of Death is cleared because of a mistake (e.g., applied the Date of Death to the wrong person), all of the preceding items are reversed. Also, this only applies to loan accounts. Deposit or other accounts are not reported with ECOA Code X (unless you manually change the ECOA Code to be "X").

	Note: You must also have Ownership Code 20, Deceased, set up on the Loans > System Setup Screens > Client Code Setup > CIF Ownership Codes screen.

First Contact Date

Mnemonic: CICNT1

Enter the date when contact with the customer was first made. Enter the date using MMDDYYYY format, or use the drop-down calendar to select the date.

Drivers License/State/Issued

Mnemonic: NDLIC#, NDLIST

Use these fields to indicate the borrower's driver license number as well as the state and date of issue.

Additional ID/State/Issued

Mnemonic: NDID2#, NDDLP2

If the borrower has identification in addition to a driver's license, use these fields to indicate the identification number as well as the state and date of issue.

Number Open/Total Loans

Mnemonic: CIOPLN, CINBRL

These fields display the number of open loans and the total number of loans that the customer has with your company.

Homeowner/Renter

Mnemonic: CIROWN

Click the list icon to select the type of ownership (such as Buying Home, Rent Home, or Live with Parents).

Mortgage/Rent

Mnemonic: N/A

Use this field to indicate the monthly rent or mortgage expense being paid by the customer (if applicable). If your institution uses GOLDTrak Express, this field will automatically be populated with information entered in that program. Otherwise, this field can be manually file maintained for informational purposes.

	GOLDPoint Systems Only: The HOUSING_PMT_TXT_PM GOLDTrak field must be set up with MORTGAGE_RENT_PM and TOTAL_RE_MORTG_PAY in order for rent/mortgage information to transfer over from GOLDTrak Express.