Visible Equity Users—Know Your Rights!
May 2019

As a Visible Equity user, are you aware of all the capabilities that you have at your fingertips? Let’s talk through it. There are two different user types in the Visible Equity system—admins and standard users. The table included in this blog post details a myriad of different system capabilities while showing whether you have access to view and edit, access to view, or if access is restricted based on your user type and granted rights.

Note that the three orange columns are all standard users but that they have been granted a specific right by a portfolio admin. It is not necessary for admins to have additional rights granted to them as all rights are inherent to admin users.

Have any questions about the table? Continue reading below for a quick description of each capability listed in the table.

 

Reporting

 

Create and Manage Reports
This is the bread and butter of using Visible Equity. All users can access modules to which their institution is subscribed to analyze data and build reports. Reports can be saved, copied, shared, and deleted as needed.

 

Manually Add/Edit Collateral Values
Visible Equity calculates updated collateral values each month. In order to calculate, Visible Equity needs a starting value. Those starting values typically are sent in monthly data files. A rare action, but users can manually input collateral values on a loan if needed. This action can be performed by any admin or user with the collateral value right granted to them.

 

Portfolio Settings

 

Application Type Mappings
Assign application type codes into categories and sub-categories. This action can be performed by any admin or user with the loan type right granted to them.

 

Calculation Settings
A variety of different settings can be adjusted here, all of which will cause variation in your reports to take place. It is crucial to understand what these settings mean prior to making any changes; however, changes cannot be made by portfolio admins. In order to make adjustments, contact our client success team. For examples on what we can be adjusted here, read our blogs on Credit Score Methods, Days Within, and Dated vs Non-Dated Fields.

 

Code Mappings
Typically used to turn code values into descriptions, e.g. Auto Dealer code ‘001’ = Ted’s Toyota. Existing code mappings can be viewed but not changed. Contact our client success team if changes or additions are necessary.

 

Grading Tiers
Used to create a variety of tier structures (Credit Score, LTV, DSCR, etc.) to match existing tiers of the institution. Contact our client success team if changes or additions are necessary.

 

Institution Parameters
Portfolio admins can add/edit figures for total assets, net worth, and cost of funds.

 

IP Controls
Portfolio admins can enable/disable IP address restrictions. When IP controls are enabled, portfolio users must log in from a physical IP address that has been whitelisted by the institution. These whitelisted address can be managed by portfolio admins. We highly encourage our clients to utilize IP controls as an added security layer. Should login credentials fall into the wrong hands, those credentials can’t be utilized unless person attempting to login is coming from a whitelisted IP address.

 

Loan Type Mappings
Assign loan type codes into categories and sub-categories. This action can be performed by any admin or user with the loan type right granted to them.

 

Login Controls
Admins can adjust complexity rules for user passwords and set limits for the number of failed password attempts before a user is locked out of the system.

 

Peer Groups
Create and manage peer groups for peer group reporting (requires subscription to Peer Analytics).

 

Portfolios
Use this action to toggle between portfolios. This is only necessary if you have access to multiple portfolios (most clients do not).

 

Selling Costs
At the type code level, enter the percent of expected loss when a loan of that type defaults. This percentage is used for calculations within the CECL module.

 

Usage Report
Shows portfolio admins the system usage by each portfolio user and user login location (based on IP address).

 

User Management
Allows portfolio admins to add/manage portfolio users and user rights.

 

Data Management

Access Credit Bureau Data Files
Portfolio admins can enter the Credit Bureau Integration module from the initial landing page and download credit bureau files. In order to receive credit bureau files, a partnership needs to be established through Visible Equity between the client and the selected bureau.

 

Application Files
Quick view of application file data to be potentially used for reconciliation purposes.

 

File Management
View all data files submitted for your institution and processing status.

 

Monthly Data Summaries
Specific to the Loan Analytics module, shows the number of loans processed in each data date and the last calculation time.

 

My Uploaded Files
Page will show files submitted only by the logged-in user.

 

Upload a File
Action to browse and select a file to upload to a specific data date for processing. Can be performed by any admin or user with the file upload right granted to them.



David Royal
Product Manager

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