Stories and Acceptance Criteria As a lender, I want to be able to check my available funds, so that I know how much money I can offer for loans.

When I check my available funds Then I should see how much funds I currently have As a lender, I want to add money to my available funds, so that I can offer loans to potential home buyers.

Given I have <current_amount> available funds When I add <deposit_amount> Then my available funds should be

Examples: | current_amount | deposit_amount | total | | 100,000 | 50,000 | 150,000 | | 200,000 | 30,000 | 230,000 | As a lender, I want to accept and qualify loan applications, so that I can ensure I get my money back.

Rule: To qualify for the full amount, candidates must have debt-to-income (DTI) less than 36%, credit score above 620 and savings worth 25% of requested loan amount.

Rule: To partially qualify, candidates must still meet the same dti and credit score thresholds. The loan amount for partial qualified applications is four times the applicant's savings.

Given a loan applicant with , <credit_score>, and When they apply for a loan with <requested_amount> Then their qualification is And their loan amount is <loan_amount> And their loan status is

Example: | requested_amount | dti | credit_score | savings | qualification | loan_amount | status | | 250,000 | 21 | 700 | 100,000 | qualified | 250,000 | qualified | | 250,000 | 37 | 700 | 100,000 | not qualified | 0 | denied | | 250,000 | 30 | 600 | 100,000 | not qualified | 0 | denied | | 250,000 | 30 | 700 | 50,000 | partially qualified | 200,000 | qualified | As a lender, I want to only approve loans when I have available funds, so that I don't go bankrupt.

Given I have <available_funds> in available funds When I process a qualified loan Then the loan status is set to

Example: | loan_amount | available_funds | status | | 125,000 | 100,000 | on hold | | 125,000 | 200,000 | approved | | 125,000 | 125,000 | approved |

When I process a not qualified loan Then I should see a warning to not proceed As a lender, I want to keep pending loan amounts in a separate account, so I don't extend too many offers and bankrupt myself.

Given I have approved a loan Then the requested loan amount is moved from available funds to pending funds And I see the available and pending funds reflect the changes accordingly As a lender, I want to process response for approved loans, so that I can move forward with the loan.

Given I have an approved loan When the applicant accepts my loan offer Then the loan amount is removed from the pending funds And the loan status is marked as accepted

Given I have an approved loan When the applicant rejects my loan offer Then the loan amount is moved from the pending funds back to available funds And the loan status is marked as rejected As a lender, I want to check if there are any undecided loans, so that I can manage my time and money wisely.

Rule: approved loans expired in 3 days

Given there is an approved loan offered more than 3 days ago When I check for expired loans Then the loan amount is move from the pending funds back to available funds And the loan status is marked as expired As a lender, I want to filter loans by status, so that I can have an overview.

Given there are loans in my system When I search by loan status (qualified, denied, on hold, approved, accepted, rejected, expired) Then I should see a list of loans and their details