Applicant/Borrower Tab

The Applicant tab contains all personal information about the applicant (or borrower for loan applications). This is typically the first tab you'll review when processing an application.

Tab Overview

The Applicant tab is organized into sections:

Section	Information
Personal Information	Name, SSN, DOB, contact info
Current Address	Current residence details
Previous Address	Prior residence (if < 2 years at current)
Employment	Current employer information
Previous Employment	Prior employer (if < 2 years at current)
Income	Income sources and amounts
Joint Applicant	Co-applicant information (if applicable)

Personal Information

Required Fields

Field	Format	Notes
First Name	Text	Legal first name
Middle Name	Text	Optional
Last Name	Text	Legal last name
Suffix	Dropdown	Jr., Sr., III, etc.
SSN	###-##-####	Social Security Number
Date of Birth	MM/DD/YYYY	Must be 18+
Email	[email protected]	Valid email address
Phone	(###) ###-####	Primary phone number

Additional Fields

Field	Description
Alternate Phone	Secondary contact number
Preferred Contact	Email, Phone, or Mail
Citizenship	US Citizen, Permanent Resident, etc.
ID Type	Driver's License, Passport, etc.
ID Number	Government ID number
ID State	State of issuance
ID Expiration	Expiration date

Data Entry

Names should match government-issued ID exactly for identity verification to succeed.

Address Information

Current Address

Field	Format	Notes
Street Address	Text	Street number and name
Unit/Apt	Text	Apartment, suite, unit number
City	Text	City name
State	Dropdown	State abbreviation
ZIP Code	##### or #####-####	5 or 9 digit ZIP
Residence Type	Dropdown	Own, Rent, Other
Monthly Payment	Currency	Rent or mortgage payment
Years at Address	Number	Duration at current address

Previous Address

If the applicant has lived at current address less than 2 years:

Field	Description
Previous Street	Prior street address
Previous City/State/ZIP	Prior location
Years at Previous	Time at previous address

Address Validation

The system validates addresses against USPS data:

• ✅ Valid - Address confirmed
• ⚠️ Suggested - Minor correction suggested
• ❌ Invalid - Address not found

Employment Information

Current Employment

Field	Description	Example
Employer Name	Company name	"ABC Corporation"
Employer Phone	Business phone	(555) 123-4567
Job Title	Position/title	"Software Engineer"
Employment Type	Status	Full-time, Part-time, Self-employed
Start Date	When employment began	03/2020
Years Employed	Auto-calculated	4 years

Previous Employment

If employed at current job less than 2 years:

Field	Description
Previous Employer	Prior company name
Previous Job Title	Prior position
Start/End Dates	Employment period
Reason for Leaving	Optional

Self-Employment

For self-employed applicants:

Field	Description
Business Name	Name of business
Business Type	Sole proprietor, LLC, Corp
Years in Business	How long established
Business Phone	Business contact number
Tax ID	Business EIN (optional)

Income Information

Income Sources

Source	Description	Documentation
Salary/Wages	Regular employment income	Pay stubs, W-2
Self-Employment	Business income	Tax returns
Social Security	SSA benefits	Award letter
Pension	Retirement income	Pension statement
Rental Income	Property income	Lease, tax returns
Alimony/Child Support	Court-ordered support	Court order
Other	Miscellaneous income	Documentation varies

Income Entry

Field	Format	Notes
Gross Monthly Income	Currency	Before taxes
Net Monthly Income	Currency	After taxes (optional)
Income Frequency	Dropdown	Monthly, Bi-weekly, Weekly, Annual
Annual Income	Auto-calculated	Based on monthly × 12

Income Disclosure

Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Combined Income (Joint Applications)

For joint applications, combined income is calculated:

Primary Applicant Income:    $5,000/month
Joint Applicant Income:    + $4,000/month
─────────────────────────────────────────
Combined Monthly Income:     $9,000/month

Joint Applicant

Adding a Joint Applicant

1. Click Add Joint Applicant button
2. Enter joint applicant's information
3. All sections (personal, address, employment, income) apply
4. Click Save

Joint Applicant Types

Type	Description
Co-Applicant	Equal responsibility for the loan
Co-Signer	Guarantees loan but may not benefit
Authorized User	Access to account (credit cards)

Removing a Joint Applicant

1. Navigate to joint applicant section
2. Click Remove Joint Applicant
3. Confirm removal
4. Application becomes individual

Data Verification

Identity Verification Status

Status	Meaning
✅ Verified	Identity confirmed
⏳ Pending	Verification in progress
❓ KBA Required	Knowledge-based questions needed
❌ Failed	Verification unsuccessful

Verification Actions

Action	Description
Run Verification	Initiate identity verification
Retry	Attempt verification again
Manual Override	Approve manually (with authorization)
View Results	See verification details

Editing Applicant Information

Field Editing

Most fields can be edited directly:

1. Click the field
2. Enter new value
3. Tab to next field or click away
4. Changes are highlighted until saved

Restricted Edits

Some fields may be restricted:

Field	When Restricted
SSN	After credit pull
DOB	After credit pull
Name	After documents signed

Change History

View changes to applicant data:

1. Click History icon next to section
2. See all modifications with:
   • Original value
   • New value
   • Who changed it
   • When changed

Common Actions

Refresh Credit

After updating applicant information:

1. Click Refresh Credit if available
2. New credit report pulled
3. May affect underwriting decision

Send Documents

Request documents from applicant:

1. Click Request Documents
2. Select document types needed
3. Send via email or SMS
4. Applicant uploads through portal

Contact Applicant

Quick contact options:

• 📧 Email - Opens email composer
• 📱 Call - Displays phone number
• 💬 SMS - Send text message (if enabled)

Best Practices

Data Quality

• Verify names match ID exactly
• Confirm address is current and complete
• Validate phone numbers and emails
• Ensure income documentation supports stated amounts

Compliance

• Follow your institution's privacy policies
• Don't share applicant data unnecessarily
• Document any manual overrides
• Complete required disclosures

Efficiency

• Use tab key to move between fields
• Complete all required fields before saving
• Note any discrepancies for follow-up
• Set reminders for pending verifications

---

Continue to Terms Tab to learn about loan and account terms.