Reporting Overview
SavvyMoney provides comprehensive reporting capabilities to help you track application volumes, monitor performance, analyze trends, and meet compliance requirements.
Report Categories
Operational Reports
| Report | Description | Use Case |
|---|---|---|
| Application Volume | Daily/weekly/monthly application counts | Track lending activity |
| Funding Report | Funded loans by period | Monitor production |
| Pipeline Report | Applications in process | Manage workload |
| Aging Report | Applications by age | Identify bottlenecks |
| Decision Report | Approvals, declines, pending | Measure conversion |
Performance Reports
| Report | Description | Use Case |
|---|---|---|
| Processor Productivity | Apps processed per user | Staff performance |
| Turn Time | Time from app to decision | Process efficiency |
| Funding Turn Time | Time from approval to funding | Speed to close |
| Queue Metrics | Queue volumes and aging | Capacity planning |
| Error Rates | System and user errors | Quality control |
Compliance Reports
| Report | Description | Use Case |
|---|---|---|
| Adverse Action | Decline notices sent | ECOA compliance |
| HMDA | Mortgage data (if applicable) | HMDA reporting |
| Fair Lending | Decision analysis by demographics | Fair lending |
| Audit Trail | User actions log | Compliance audit |
| Exception Report | Waivers and overrides | Policy exceptions |
Management Reports
| Report | Description | Use Case |
|---|---|---|
| Executive Summary | Key metrics dashboard | Leadership review |
| Trend Analysis | Month-over-month trends | Strategic planning |
| Product Mix | Applications by product | Product strategy |
| Channel Analysis | Volume by source channel | Marketing ROI |
| Branch Performance | Metrics by location | Branch management |
Running Reports
Standard Reports
- Navigate to Reports section
- Select report category
- Choose specific report
- Set date range and filters
- Click Run Report
- View, export, or schedule
Report Filters
Common filters available:
| Filter | Options |
|---|---|
| Date Range | Today, This Week, This Month, Custom |
| Status | All, Approved, Declined, Pending |
| Product | Select specific products |
| Branch | Filter by location |
| Processor | Filter by user |
| Channel | Direct, Indirect, Online |
Export Options
| Format | Best For |
|---|---|
| Printing, sharing | |
| Excel | Further analysis |
| CSV | Data import |
| Scheduled delivery |
Key Metrics
Volume Metrics
| Metric | Definition |
|---|---|
| Applications Received | New applications submitted |
| Applications Processed | Decisions rendered |
| Approval Rate | Approvals ÷ Total Decisions |
| Decline Rate | Declines ÷ Total Decisions |
| Funding Rate | Funded ÷ Approved |
| Pull-Through | Funded ÷ Applications |
Efficiency Metrics
| Metric | Definition |
|---|---|
| Average Turn Time | Avg time to decision |
| Same-Day Decision Rate | % decided same day |
| Pending Rate | % in pending status |
| Queue Depth | Apps waiting for action |
| First Contact Resolution | Issues resolved first attempt |
Quality Metrics
| Metric | Definition |
|---|---|
| Stipulation Clear Rate | % cleared vs. requested |
| Waiver Rate | % stipulations waived |
| Override Rate | % decisions overridden |
| Error Rate | % apps with data errors |
| Rework Rate | % requiring rework |
Dashboard Widgets
Volume Widget
Displays application volume trends:
┌─────────────────────────────────────────────────┐
│ Application Volume - Last 30 Days │
├─────────────────────────────────────────────────┤
│ │
│ ▓▓▓▓▓▓▓▓ │
│ ▓▓▓▓▓▓▓▓▓▓ │
│ ▓▓▓▓▓▓ │
│ ▓▓▓▓▓▓▓▓▓ │
│ ▓▓▓▓▓▓▓▓▓▓▓▓ │
│ │
│ Total: 1,247 | Avg/Day: 42 | Peak: 67 │
└─────────────────────────────────────────────────┘
Decision Widget
Shows approval/decline breakdown:
┌─────────────────────────────────────────────────┐
│ Decisions - This Month │
├─────────────────────────────────────────────────┤
│ │
│ Approved: ████████████████░░░░ 68% (847) │
│ Declined: ████░░░░░░░░░░░░░░░░ 18% (224) │
│ Pending: ███░░░░░░░░░░░░░░░░░ 14% (174) │
│ │
│ Total Decisions: 1,245 │
└─────────────────────────────────────────────────┘
Turn Time Widget
Displays processing speed:
┌─────────────────────────────────────────────────┐
│ Turn Time - Last 7 Days │
├─────────────────────────────────────────────────┤
│ │
│ Average: 2.4 days │
│ Median: 1.8 days │
│ Same Day: 45% │
│ │
│ Target: 2 days | Status: ⚠️ Slightly Over │
└─────────────────────────────────────────────────┘
Scheduled Reports
Setting Up Schedules
- Run report with desired parameters
- Click Schedule
- Set frequency:
- Daily
- Weekly (select day)
- Monthly (select date)
- Choose recipients
- Select format
- Activate schedule
Managing Schedules
| Action | Description |
|---|---|
| Edit | Modify parameters or recipients |
| Pause | Temporarily stop delivery |
| Resume | Restart paused schedule |
| Delete | Remove schedule |
| Run Now | Execute immediately |
Custom Reports
Report Builder
Create custom reports:
- Click New Custom Report
- Select data source
- Choose columns/fields
- Add filters
- Set grouping/sorting
- Save report
Available Data Fields
| Category | Fields |
|---|---|
| Application | ID, Date, Status, Product, Amount |
| Applicant | Name, Score, Income, DTI |
| Decision | Type, Date, Reason, User |
| Funding | Date, Amount, Account |
| Processing | Assigned To, Queue, Turn Time |
Compliance Reporting
Adverse Action Report
Required data for ECOA compliance:
| Field | Description |
|---|---|
| Applicant Info | Name, date, application ID |
| Decision | Decline date, reasons |
| Notice | Date sent, method |
| Credit Info | Score, bureau, date |
Fair Lending Analysis
Monitor for disparate impact:
| Analysis | Purpose |
|---|---|
| Approval by Demographics | Identify disparities |
| Rate Pricing Analysis | Check for bias |
| Exception Analysis | Review override patterns |
| Geographic Analysis | Monitor by area |
Audit Reports
For internal and external audits:
| Report | Content |
|---|---|
| User Activity | All user actions |
| Document Access | Who accessed what |
| Override Log | Manual overrides |
| System Changes | Configuration changes |
Best Practices
Report Management
- Regular Review - Check key metrics daily
- Trend Analysis - Look at month-over-month
- Exception Monitoring - Review outliers
- Documentation - Keep report archives
- Access Control - Limit sensitive reports
Performance Monitoring
| Metric | Frequency | Action If Off-Target |
|---|---|---|
| Turn Time | Daily | Adjust staffing |
| Queue Depth | Daily | Reallocate resources |
| Approval Rate | Weekly | Review policies |
| Funding Rate | Weekly | Improve processes |
| Error Rate | Weekly | Training needed |
Compliance Monitoring
| Report | Frequency | Purpose |
|---|---|---|
| Adverse Action | Weekly | ECOA compliance |
| Exception Report | Weekly | Policy adherence |
| Fair Lending | Monthly | Discrimination prevention |
| Audit Trail | Monthly | Complete records |
Troubleshooting
Common Issues
| Issue | Solution |
|---|---|
| Report timeout | Narrow date range, add filters |
| Missing data | Check date range, permissions |
| Export failed | Try different format, smaller dataset |
| Schedule not running | Verify email addresses, check schedule status |
Data Discrepancies
If numbers don't match:
- Verify date range is identical
- Check filter settings
- Confirm status definitions
- Review grouping logic
- Contact support if unresolved
Continue to Status Definitions for a complete reference of application statuses.