Individual Debt Burden Calculation Module

The Individual Debt Burden Calculation Module enables the calculation of the Debt-to-Income (DTI) ratio during credit decision-making for loan applications and credit card limit management. It also maintains a complete historical record of all DTI calculation results.

Key Benefits

• Automated DTI calculation during loan origination and credit card limit assessment, as well as throughout the full loan lifecycle
• Integration services for requesting and receiving DTI calculations from external consumer lending systems within end-to-end credit workflows
• Preservation of full historical accuracy of DTI calculations, including all detailed input data used in each computation
• Product selection services for sales and customer service systems
• Flexible configuration of calculation parameters and business rules
• User-friendly interface for managing and reviewing the full history of DTI calculations, including detailed breakdowns and reference data with easily configurable components