1Click Offers are purged daily. When configuring a 1Click Offer in CBX, there is a field for an expiration date. This field defaults to 30 days from the current date and cannot be longer than one year from the current date. CBX looks at the expiration date (stored in ONECLKOFRS table) of all active offers daily. The system purges any unaccepted offers where the date is in the past.

To exclude persons or organizations on the lending fraud block list from receiving your 1Click Offers, exclude the members on the Block New Loans (BLOCKLNAPP) table/file when creating the list of accounts that will be included in the offer.

Following are some helpful tips to keep in mind when you have existing offers: Do not make adjustments to your Product Configuration when it is tied to an existing offer. Never delete a Product Configuration that is tied to an existing offer. Within the Product Configuration, be sure you configure a Delinquency code , a Maximum # of payments and a Frequency code of monthly in General Information section and a Del fine code , a Term default , and a Frequency code of monthly on the Online Banking   More...

No, the 1Click Offers feature does not specifically support MLA requirements. MLA grants a number of protections for active duty service people and imposes specific requirements on the credit union in granting credit. At the heart of the matter is the calculation of the Military Annual Rate (MAPR) and the disclosures required prior to or at the time of extension of credit. The act requires that a unique APR be calculated incorporating things such as fees and credit life or disability. The MAPR   More...

Before you run your batch flood to your membership, it is important to run a test offer. This is done in a similar manner as defining your offer, but instead of running the offer for a batch of members, make the Query for just a single employee account or a group of employees. Sending a test offer helps to ensure that all key data elements are correct. When verifying your test offer, we recommend verifying the items below and any others you feel are key data points. Interest Rate Loan Amount Ter  More...

Depending on the size of your batch of 1Click Offers, processing times may be extended. Large batches, such as in the thousands, may take up to 10 minutes to process. Please remain on the screen until your batch has completed processing.

Unlike 1Click loan offers, a member message will not appear at the top of the home page for Deposit Secured loan offers. Instead, members will see a new option on the contextual menu when they click on any eligible CD, checking, or savings account. You can label this anything you like, such as Borrow on your savings account or Borrow from my Certificate .

Unlike 1Click loan offers, a member message will not appear at the top of the home page for CD or Share Secured loan offers. Instead, members will see an option on the contextual menu when they click on any eligible CD or savings account. You can label this anything you like, such as Borrow on your savings account or Borrow from my Certificate .

The member messaging feature gathers prompts such as password reminders, secure message center notifications, and the like into a centralized member communication tool. These appear as a swipe-able banner immediately above the member's Favorite Accounts list on the home page. If no messages are waiting for the member, that area will disappear and Favorite Accounts will move up to fill in that space. These are the types of things that will be communicated via this message area: ACH pending  More...

There are multiple ways to do this, but here's one of our favorite methods. Launch Tool #1855 Lending Opportunities Dashboard Use the Loans to Analyze button Choose a loan type from the list (Auto Loans, Mortgages, Credit Cards, Unsecured, or Other Secured) and use Enter to return to the dashboard The top two thirds of the screen shows statistics from your portfolio for that type of loan The bottom third of the screen will show opportunities, divided into two groups: members without that  More...

Is Loan Manager specific to targeting marketing loan products to authenticated members? Yes! The existing Legacy Loan Application was originally designed for both members non-members and was universal to all loan types. The new Loan Storefronts Web Modules are being developed within our web mobile app online banking flagship solutions. This allows credit unions to target their existing members towards specific loan products. When used together, they provide a faster, more convenient way   More...

No, you do not need to configure new CLR Path programs for 1Click Relationship Offers. However, it is recommended that you configure a new CLR Path program for these offers. For example, with a traditional 1Click Offer, your credit union can choose to exclude a member(s) from receiving an offer in the batch creation process. Since 1Click Relationship Offers do not use the batch process, a member that you have excluded from receiving a traditional 1Click Offer may receive a 1Click Relationship of  More...

1Click Relationship Offers are worked in It's Me 247 , and therefore will now show in Tool #2 Work/View Loan Application Status (under the 1Click tab) until the offer is accepted and completed by the member.

Refer to the resources below for more information. Lender*VP My Favorite Dashboards and Reports brochure AuditLink My Favorite Dashboards and Reports brochure (specifically Loan with Interest Due Above Payment Amount and Loan Portfolio Concentration Risk Summary) Automated Reports and Queries reference guide Lender*VP Reports and Dashboards training Lender*VP Custom Query services 1Click Offers reference guide

If a CLR Path configuration is associated with the loan product attached to the loan, the CLR Path Decision Advisor score is run during the loan application process before the loan officer moves to the Loan Summary screen. You can also run a CLR Path score by selecting Tool #53 Process Member Applications , entering a member number, and then choosing the Action Code CLR Decision – Run . Additionally, if you are using 1Click Relationship Offers, the associated CLR Path program will run ever  More...

If you're using 1Click Relationship Offers, eligible members will be automatically approved for a maximum amount that is determined by your credit union's configuration in Tool #1061 Configure 1Click Relationship Offers . Outside of 1Click Relationship Offers, automatic approvals are not supported. In this case, after running CLR Path, your credit union can use your policies and procedures to evaluate the results to help you make your final approval determination.