Collate was initially designed to work in conjunction with an existing loan processing web application, minimizing loan processing tasks in order to decrease redundancy & increase productivity. Simple tasks such as calculating income & modifying email templates made easy.
The main component of the application is the loan application page. The goal is to create a single page form that utilizes AJAX & minimizes the need for navigation & page loading.
After the user logs in, they will be presented with a Dashboard, which lists each user's applications in progress/completed.
The Navigation area at the top of the screen will allow the user to go back to the main page of this dashboard via the Home link, allow any input data to be saved to the database via the Save link, and allow for the creation of a new file via the New File link.
##Sections
Section One of the the dashboard contains fields for address information, automated Zillow Zestimate retrieval, and an optional map that displays the property location via Google Maps.
Section Two of the the dashboard contains fields for borrower name(s), loan account number, loan officer name, phone number, type of loan, and loan story.
Section Three of the dashboard will take borrower(s) income infomation (employer name, job start date, monthly income amount, paystub period end date, and pay schedule type), and will output a concatenated string for the user to input back into their main loan application.
Section Three will also allow input of tax, insurance, and homeowner's association dues information (see Further Work section.)
Section Four will allow the User to send a SMS message to the borrower with optional message templates.
The relational database are structured as follows:
User Table:
- Username
- Password (hashed)
- First Name
- Last Name
- User ID
- Email Address
- Date Account Created
File Table
- Loan Number
- Account Type
- Loan Processor (Foreign Key)
- Loan Officer
- Loan Story
- Subject Property Address
- Subject Property City
- Subject Property State
- Subject Property Zip Code
- Property Appraisal Value
- Member One First Name
- Member One Last Name
- Member Two First Name
- Member Two Last Name
- Member One Employer Name
- Member Two Employer Name
- Member One Phone Number
- Member Two Phone Number
- SMS Templates
- SMS Message
- Member One Email Address
- Member Two Email Address
- Email Templates
- Email Message
- Member One Hire Date
- Member Two Hire Date
- Member One Income Amount
- Member Two Income Amount
- Member One Pay Frequency
- Member Two Pay Frequency
- Member One Period Ending Date
- Member Two Period Ending Date
- Member One Income Output
- Member Two Income Output
- Date Created/Last Updated
Django framework will require modules that can preform the following tasks:
- Allow user to log in
- Allow user to create a new file
- Allow user to to save, load, and delete file data
- Calculate income based on pay cycle
- Send an SMS message via Twilio API
- Implementing Email Templates
- Adding Tax, Insurance, & homeowner's association elements
- Adding automated underwriting features based on training data
- SMS & Email Message Template creator with interface