Assessment – Serviceability tab

This section provides the business with the applicant’s monthly income and expenses, giving a clear view of their financial capacity and repayment ability.

Image of the applicants tab

1. Refer

Any areas requiring manual review are indicated by the word “Refer,” highlighted in yellow.

A flag indicator is also included, showing whether the details have been manually reviewed.

The serviceability Summary status is indicative of the 3 sections below:

  1. Aggregate
  2. Primary Applicant
  3. Expenses

 Meaning, if one section is requiring for the application to be ‘referred‘ then the Serviceability Summary will say ‘Refer‘.

2. Aggregate

This section provides a consolidated view of both the applicant’s income and expenses.

  • Metrics – Displays the values being assessed.
  • Requirements – Defines the condition to be met.
  • Parameter – Shows the target value for assessment.
  • Actual Value – Represents the applicant’s provided value.
  • Evaluation – Indicates whether the value meets requirements or requires manual review.
  • Action – Allows the user to manually review and, if necessary, override the metric.

 

3. Primary Applicant

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4. Expenses

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5. View Application

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6. Manual Evaluation Notes

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7. Lock Application Edit

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