Lending Attributes

The Lending Attributes package is designed specifically for underwriting a user based upon their transactional behaviour and is also an advanced use-case. It provides the necessary Attributes for both manual and automated underwriting methodologies. It covers most aspects of Income, Overall Risk Analysis, Predictive Risk and Cash-Flow Analysis, Specific Risk Analysis and Liability Analysis. This is our most comprehensive package offering before moving to the full library - offering a total of 750 data points on each end-user. Please find a breakdown of the Attributes contained within this use-case below.

Income Analysis

Total Income
- Average monthly (complex)
- Total detected
- Sum per calendar month
- Count per calendar month
Employer Income (Overall)
- Employer Name
- Average monthly (complex)
- Average amount
- Estimated Annual Net
- Frequency
- Trend
- Sum per calendar month
- Count per calendar month
Employer Income (Primary)
- Employer Name
- Average monthly (complex)
- Average amount
- Estimated Annual Net
- Frequency
- Trend
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Employer Income (Secondary)
- Employer Name
- Average monthly (complex)
- Average amount
- Estimated Annual Net
- Frequency
- Trend
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Employer Income (Other)
- Employer Name
- Average monthly (complex)
- Average amount
- Estimated Annual Net
- Frequency
- Trend
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Non-Employer Income
- Average monthly (complex)
- Total detected
- Sum per calendar month
- Count per calendar month
Government Income
- Average monthly (complex)
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Employment Insurance Income
- Average monthly (complex)
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Workplace Safety Income
- Average monthly (complex)
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Disability Income
- Average monthly (complex)
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Social Assistance Income
- Average monthly (complex)
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Child Support Income
- Average monthly (complex)
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Pension Income
- Average monthly (complex)
- Average amount
- Total detected
- Frequency
- Last two deposit dates
- Sum per calendar month
- Count per calendar month
Insurance Income
- Average monthly (complex)
- Total detected
- Sum per calendar month
- Count per calendar month
- Recurring Deposits (All)
- Average monthly (complex)
- Sum per calendar month

Overall Risk Analysis

Account Analysis
- Purchasing trend
- Deposit trend
- Overall activity trend
- Count of active days
- Active days trend
- Average monthly free cash flow
- Account age in days
- Average monthly recurring payments
- Average monthly recurring deposits
Overall Balance Analysis
- Balance trend
- Maximum balance
- Minimum balance
- Current balance
- Balance as of 90 days ago
- Count of days with a negative balance (in the last 90 days)
Specific Balance Analysis
- Average closing balance day of any income
- Average closing balance day after any income
- Average closing balance day of employer income
- Average closing balance day after employer income
- Average closing balance day of government income
- Average closing balance day after government income

Specific Risk Analysis

NSF Fees
- Average monthly count
- Count of total detected
- Count last 30 days
- Count last 60 days
- Count last 90 days
- Count last 6 months
- Count on the day of employer income
- Count on the day after employer income
- Count on the day of government income
- Count on the day after government income
Stop Payment Fees and Reversals
- Count of fees last 30 days
- Count of fees last 60 days
- Count of fees last 90 days
- Count of reversals last 30 days
- Count of reversals last 60 days
- Count of reversals last 90 days
Detection Attributes
- Has employment income in last 7 days
- Has employment income in last 14 days
- Has employment income in last 30 days
- Has government income in last 7 days
- Has government income in last 14 days
- Has government income in last 30 days
- Is employment loss detected?
- Has overdraft?
Committed Transfers
- Average monthly recurring transfers out (complex)
- Average monthly recurring transfers in (complex)
Loan Deposits
- Average monthly (complex)
- Total detected
- Sum last 30 days
- Sum last 60 days
- Sum last 90 days

Liability Analysis

Overall Loan Payments
- Average monthly (complex)
- Total detected
- Sum per calendar month
- Count per calendar month
Micro-Loan Payments
- Micro-Lender name
- Average monthly (complex)
- Average amount
- Frequency
- Count of distinct micro-lenders detected
- Sum per calendar month
- Count per calendar month
Mortgage Payments
- Average monthly (complex)
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month
Auto Loan Payments
- Average monthly (complex)
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month
Student Loan Payments
- Average monthly (complex)
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month
Other Loan Payments
- Average monthly (complex)
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month
Telecom Payments
- Average monthly (complex)
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month
Utility Payments
- Average monthly (complex)
- Average amount
- Frequency
- Sum per calendar month
- Count per calendar month