Underwriting Pre-Screen

Pre-Screen Summary

A one-look roll-up of the incoming deal - applicant, purpose, product, amount, collateral, occupancy, channel, and date - so a triage analyst can orient before running any check.

Loan Request Snapshot

The specific applicant-stated request facts the knockouts and ratio checks depend on - amount, product, purpose, property/collateral type, state, occupancy, value, income or rent, and credit score - captured as submitted and unverified.

Intake Completeness Checklist

The process-readiness gate: whether each document an underwriter needs is Present, Missing, or N/A, so an incomplete file is caught before it consumes underwriting time.

All Required Documents Present

A single process-readiness flag - true only when every applicable required document is present - that separates a decisionable file from one that needs more information.

Eligibility Knockout Checklist

The underwriting-readiness gate: quick bright-line go/no-go tests against the lender's box - product offered, lending footprint, loan-amount limits, purpose, collateral type, occupancy, borrower type, and hard exclusions - each Pass, Fail, or Review.

Passes Eligibility Knockouts

A single eligibility flag - true only when no bright-line knockout failed - that decides whether the deal can move forward or must be declined at pre-screen.

Preliminary Ratio Sanity Check

Directional back-of-the-envelope checks on the headline ratios (preliminary LTV, DSCR, DTI, and credit band) using applicant-stated figures - a sanity read, not the verified underwriting recomputation done downstream.

Preliminary Ratios In Range

A directional flag - true when no headline preliminary ratio is clearly out of typical program range - based on unverified stated figures.

Red Flags

The early showstoppers and inconsistencies an intake analyst catches on a first pass - value mismatches, stale documents, occupancy/purpose mismatches, undisclosed parties, derogatory events - each with severity and a suggested action.

Outstanding Items to Request

The consolidated punch list of documents and data needed to make the file decisionable, with the reason, who to request it from, and priority - the actionable output on a not-ready file.

Pre-Screen Routing Decision

The single triage outcome - Ready, Ready with watch items, Not ready (request information), Refer to human triage, or Decline (fails eligibility) - with a knockout failure taking precedence over incompleteness.

Triage Rationale and Next Step

A tight narrative of why the deal was routed as it was and the single next action to take, with the driving values cited - decision support for a human, not a credit decision.