Problem Description

When loan data changes result in CLTV ratios exceeding program limits, the system previously only provided hard stops at milestone changes like Clear to Close (CTC). This caused issues when:

• Appraised values were updated during underwriting
• Loan amounts remained unchanged, causing CLTV to exceed program maximums
• Staff weren't alerted until the CTC stage, creating last-minute complications

Solution Implementation

The system now includes enhanced alert mechanisms to catch CLTV violations earlier in the loan process.

New Alert Features

1. Red Alert Display

• A red alert now appears on the left side of the screen
• Displays when loan data exceeds underwriting min/max values
• Provides immediate visual notification to staff

2. Pop-up Warning Messages

• Appears when underwriters click the PRINT button for loan approvals
• Shows whenever loan data is outside min/max settings
• Functions as an informational alert only - does not prevent printing
• Underwriters can click OK to continue with the approval process

Purpose and Benefits

These enhancements help staff:

1. Identify CLTV issues earlier in the underwriting process
2. Address program compliance problems before reaching CTC
3. Avoid last-minute loan amount adjustments
4. Improve communication with brokers about loan parameter changes

The alerts serve as informational warnings rather than hard stops, allowing underwriters to proceed with approvals while being fully aware of any parameter exceptions.