Alerts Setup

An alert is a notification that indicates an event has occurred, is pending, or is due. Alert information displays on the Pipeline and in the loan file. For a description of each type of alert and how it is used, refer to the topic, Alerts Overview.

Use the Alerts tool to define:

  • Which alerts to enable, and for which milestones.
  • The message that displays when a Compliance alert or custom alert is triggered.
  • Which fields will trigger the Send Initial Disclosures alert.
  • When to show each alert, if applicable.
  • When to show the Redisclose REGZ-TIL (APR Change) alert for regular and irregular loans.
  • Whether or not an alert will trigger an additional notification, if applicable.

To Configure an Alert:

  1. On the menu bar, click Encompass, and then click Settings.

  2. On the left panel, click Loan Setup, and then click Alerts.

  3. On the Alerts tool, double-click the alert you want to configure.

  4. To change a Compliance alert message:

    • Click in the Message section and enter the message that will display when the alert is triggered.

  5. To enable an alert, select Yes.

    • If you selected Yes, click Select Milestones to select the milestones at which to enable the alert.

    • For the Milestone Finished alert, you can change the default alert message that displays when the milestone is completed. Click in the Alert Message field and enter the new message.

    • Click OK.

  6. Enter the number of days before the trigger event occurs that you want to trigger the alert, if applicable.

  7. Select Yes to trigger a pop-up notification when the alert is activated, if applicable.

  8. When finished, click Save.

ClosedAdditional Compliance Alert Settings

The following Compliance alerts have additional settings that you can use to determine when the alerts are triggered.

ClosedSend Initial Disclosures

To add or remove field triggers for the Send Initial Disclosures alert:

  • In the Field Triggers section, click the New icon.

  • Enter the Field ID of the field you want to add.

  • Click Add.

     The alert is triggered only when all of the trigger fields are populated.

    Even when the total monthly income field (field ID 736) is designated as a trigger field for the alert, the system will not recognize it as a trigger field for FHA or USDA-RHS streamline refinance loans. For these types of loans, the system generates the alert even when the monthly income is not provided.

  • To delete a field, select a field from the Field Triggers list and click the Delete icon.

     You cannot delete any of the 10 default trigger fields.

ClosedRedisclose REGZ-TIL (APR Change)

  1. Select an APR Tolerance setting:

    • Select 0.125% for all loans to trigger the alert when the Current APR differs from the Disclosed APR by more than 0.125% in both regular and irregular loans.

    • Select the second option to trigger the alert when the APR amounts differ by more than 0.125% for regular loans and 0.25% for irregular loans.

  2. Select an Alert Option setting:

    • Select Alert when APR increases or decreases by more than the APR tolerance to always trigger the alert when the APR increases or decreases by more than 0.125% (0.25% for irregular loans).

    • Select Alert only when APR increases by more than the APR tolerance to only trigger the alert when the APR increases by more than 0.125% (0.25% for irregular loans).

ClosedRedisclose Closing Disclosure (APR, Product, Prepay)

  1. Select an APR Tolerance setting:

    • Select 0.125% for all loans to trigger the alert when the Current APR differs from the Disclosed APR by more than 0.125% in both regular and irregular loans.

    • Select the second option to trigger the alert when the APR amounts differ by more than 0.125% for regular loans and 0.25% for irregular loans.

  2. Select an Alert Option setting:

    • Select Alert when APR increases or decreases by more than the APR tolerance to always trigger the alert when the APR increases or decreases by more than 0.125% (0.25% for irregular loans).

    • Select Alert only when APR increases by more than the APR tolerance to only trigger the alert when the APR increases by more than 0.125% (0.25% for irregular loans).

ClosedAt App Disclosure Requirements, Three-Day Disclosure Requirements, Redisclose Loan Estimate (Rate Lock), and Redisclose Loan Estimate (Changed Circumstance)

To add or remove required fields that must be completed before the alert can be considered completed, follow the steps below.

When these alerts are triggered in the loan file in Encompass, the required completion fields are listed. Once these fields are populated, the Disclosure Ready Date or Three-Day Disclosure Ready Date on the alert screen in the loan file will be populated. (Until then, this date field is blank.)

  • In the Fields Needed for Completion section, click the New icon.

  • Enter the field IDs for the fields to add to this section.

  • Click Add.

    For the At App Disclosure Requirements and Three-Day Disclosure Requirements alerts, the Borrower Work Email (field ID 1178) and Borrower Email (field ID 1240) fields are both included in the Fields Needed for Completion list by default. However, only one of these fields, not both, needs to be completed by a user for the alert condition to be met. In addition, the Opening Plan Code ID (field ID Opening.PlanID) and Closing Plan Code ID (field ID DISCLOSUREPL) fields are both listed by default. Again, only one of these Plan Code ID fields needs to be completed in the loan in order for this alert condition to be met. For the Redisclose Loan Estimate alerts, the Borrower Work Email (field ID 1178) and Borrower Email (field ID 1240) fields are both included. Again, only one of these fields must be completed for the alert condition to be met.

    ClosedWhen eDisclosure Fulfillment Service is Running

    Additional fields are included in the Fields Needed for Completion list if the eDisclosure Fulfillment service is running for the Encompass instance. These fields are:

    • Field ID 5012 - Scheduled Fulfillment Date

    • Shipping To*

      • URLA.X197 - Borrower Street Address (Mailing Address)

      • 1417 - Borrower City (Mailing Address)

      • 1418 - Borrower State (Mailing Address)

      • 1419 - Borrower ZIP Code (Mailing Address)

      • FR0126 - Borrower Current Street Address

      • FR0106 - Borrower Current City

      • FR0108 - Borrower Current ZIP Code

        *Only one group of these Shipping To fields in the loan must be completed to satisfy the alert requirements. Either all of the FR0xxx fields or all of the other group of Shipping To fields.

    • Shipping From

      • 3343 - Lender Current Street Address

      • 3344 - Lender Current City

      • 3345 - Lender Current State

      • 3346 - Lender Current ZIP Code

  • To delete a field, select a field from the Fields Needed for Completion list and click the Delete icon.

     You cannot delete any of the default completion fields that are provided out-of-the-box. Only new fields added to the default list may be deleted.

To Create a Custom Alert:

You can create custom alerts that will be triggered under the following circumstances:

  • When a date is entered in a specific date field or on a specific day before or after the date that is entered in the date field

  • When a specific value is entered in a field

  • When a value that is entered in a field falls between a specific value range

  • When a combination of the previous circumstances occurs

  1. On the menu bar, click Encompass, and then click Settings.

  2. On the left panel, click Loan Setup, and then click Alerts.

  3. On the Alerts tool, click the New icon.

  4. Enter the name of the alert.

  5. Click in the Message section and enter the message that will display when the alert is triggered.

  6. In the Trigger section, select one of the following options and complete the appropriate steps to configure the trigger:

ClosedDate Field

Use this option to trigger an alert when a date is entered in a specific date field or on a set number of days before or after the date that is entered in the date field.

  1. Enter the field ID of the date field you want to trigger the alert.

    • Or, click the Find icon, select a form from the left, right-click to select the field, and then click OK.

  2. Select Apply calculation to Trigger Date to set the number of days before or after the date in the date field that the alert will be triggered.

    • For example, to set up the alert to trigger four calendar days before the date that is entered in the Final Payment field on the REGZ-TIL (field ID 1961), you would:
      • Select Subtract from the dropdown list.
      • Enter 4 in the days field.
      • Select Calendar from the dropdown list.
    • Or, to set up an alert to trigger seven business days after the date that is entered in the Final Payment field on the REGZ-TIL, (field ID 1961), you would:
      • Select Add from the dropdown list.
      • Enter 7 in the days field.
      • Select Business from the dropdown list.

     A Calendar day is any of the seven days of the week. A Postal day is any day of the week excluding Sundays and Legal Holidays according to the U.S. Postal Calendar. A Business day is any day an institution is open to conduct business according to the Our Company Calendar.

ClosedCondition

Use this option to trigger an alert when a specific value is entered in a field or when the value entered is between a specific value range.

  1. Click the New icon to add a condition to apply to the field that will trigger the alert.

  2. Enter the field to add as a filter.

    • Or, click the Find icon, select a field from the list, and then click OK.

    • Or, click the Find icon, enter one or more characters in the Find field, and then click Find. The first occurrence of the characters in any column is found. Continue clicking Find to view additional occurrences. Select a field from the list and click OK.

  3. Select an Operator, enter (or select) a Value, and then click OK.

    • The Operator and Value define how the field will be used. For example, Field ID= 1335 (Down Payment Amount), Operator= Greater than, Value= 25000.

  4. Repeat steps 1 through 3 to add more filters.

  5. To use parentheses to control the order in which multiple filters are evaluated, click Parentheses, select the filters to group, click the New icon, and then click OK.

  6. Use the AND/OR button to determine how search filters are used together.

ClosedDate Field & Condition

Use this option to trigger an alert when a date is entered in a specific date field and when a specific value is entered in a field (or when the value entered is between a specific value range).

  1. Enter the field ID of the date field you want to trigger the alert.

    • Or, click the Find icon, select a form from the left, right-click to select the field, and then click OK.

  2. Select Apply calculation to Trigger Date to set the number of days before or after the date in the date field that the alert will be triggered.

    • For examples of applying a calculation to the trigger date, view the steps in the Date Field section above.

     A Calendar day is any of the seven days of the week. A Postal day is any day of the week excluding Sundays and Legal Holidays according to the U.S. Postal Calendar. A Business day is any day an institution is open to conduct business according to the Our Company Calendar.

  3. In the Conditions section, click the New icon to add a condition to apply to the field that will trigger the alert.

  4. Enter the field to add as a filter.

    • Or, click the Find icon, select a field from the list, and then click OK.

    • Or, click the Find icon, enter one or more characters in the Find field, and then click Find. The first occurrence of the characters in any column is found. Continue clicking Find to view additional occurrences. Select a field from the list and click OK.

  5. Select an Operator, enter (or select) a Value, and then click OK.

    • The Operator and Value define how the field will be used. For example, Field ID= 1335 (Down Payment Amount), Operator= Greater than, Value= 25000.

  1. Repeat steps 3 through 5 to add more filters.

  2. To use parentheses to control the order in which multiple filters are evaluated, click Parentheses, select the filters to group, click the New icon, and then click OK.

  3. Use the AND/OR button to determine how search filters are used together.

  4. For a Condition alert or a Date Field & Condition alert, select the Provide Clear Alert button option to provide a Clear Alert button on the alert worksheet.

    • The alert worksheet is displayed when a loan team member clicks the alert entry on the Alerts & Messages tab in the Loan Log. The loan team member can click the Clear Alert button on the worksheet to remove the alert from the Log and the Pipeline.

      The loan team member can also clear the alert by changing the values in a trigger field. Clicking the Clear Alert button removes the alert from the Log and the Pipeline, but does not affect the values in the trigger fields.

    • Clear this checkbox if you do not want to display the Clear Alert button on the alert worksheet.

  5. To enable the alert, select Yes.

    • If you selected Yes, click Select Milestones to select the milestones at which to enable the alert, and then click OK.

  6. Enter the number of days before the due date that you want to activate the alert.

  7. When finished, click Save.