T-REX data dictionaries ensure users quick access to assess and gain insights into a variety of different metrics. The dictionaries allow users to match their original fields with the standardized T-REX field and definition they will see on the platform.
| Titan Field Name | Calculated or Raw | Asset Type | Field Description | Conditions | Calculation | Data_Type | Notes |
| Reserve Account Required Amount | Calc | Borrowing Base | reserve account requirement | IF(X<10,000,000,Then Y*Z, Else 0) | CURRENCY | X: Credit After Funding Y: Committed Capital Z: Reserve Account Required Percent | |
| Reserve Deposit | Calc | Borrowing Base | The amount deposited into a reserve account in this period. | X - Y | CURRENCY | X: Reserve Account Required Amount Y: Reserve Account Balance | |
| Reserve Account Required Percent | Raw | Borrowing Base | Percentage of Commitment Account or other base amount by which reserve account is determined | NUMBER | |||
| Cash Withdrawn | Raw | Borrowing Base | The amount of cash withdrawn. | CURRENCY | |||
| WA APR | Calc | Borrowing Base | Asset level calculation of total WA APR. Can be used to calculate facility WA APR. | Sum (X*Y) for each loan / Z | NUMBER | X: Eligible Factor Rate Y: Net Principal Balance Z: Net Principal Balance (Pool) | |
| Available Commitments | Calc | Borrowing Base | Balance of available commitments. | IF Y-X < 0, Then 0, Else Calculation | Y-X | CURRENCY | X: Credit After Funding Y: Committed Capital |
| Minimum Net Worth Requirement | Raw | Borrowing Base | Minimum amount required for net worth. | CURRENCY | |||
| Additional Borrowing Request Release | Raw | Borrowing Base | CURRENCY | ||||
| Beginning Balance | Raw | Borrowing Base | Beginning Balance of a note or account. | CURRENCY | FROM PREVIOUS PERIOD Previous period is last file we received in T - 1 | ||
| Total Eligible Balance | Calc | Borrowing Base | X - Y | CURRENCY | X: Net Recovery Amount Y: Interest Shortfall | ||
| Report Date | Raw | Borrowing Base | The date of the servicer report/cashflow report | DATE | |||
| Pledged Balance | Calc | Borrowing Base | Initial Balance pledged against a borrowing base or other financing request | X-Y | CURRENCY | X: Ending Balance Y: Beginning Balance | |
| Excess Concentration Amount | Calc | Borrowing Base | The overall excess found | Sum the Excess of (X,Y,Z,F,C,T) | CURRENCY | X: Total Net Funded Y: Risk Level Eligibility Balance Z: Largest Industry Balance F: Forbidden Industry Balance C: Change in Principal Balance T: Low Credit Score High Funded Balance | |
| Net Cash Receipts | Calc | Borrowing Base | This represents the net proceeds from the sale of the asset | X-Y | CURRENCY | X: Cash Balance Y: Cash Withdrawn | |
| Total Collections | Raw | Borrowing Base | CURRENCY | ||||
| Utilization Rate | Calc | Borrowing Base | the number of billable hours divided by the total number of available hours (x 100). | X/Y | NUMBER | X: Credit After Funding Y: Committed Capital | |
| Recovery Amount Withdrawn | Raw | Borrowing Base | CURRENCY | ||||
| Advance Rate Amount | Calc | Borrowing Base | The amount that a lender has extended for a loan | X - Y | CURRENCY | X:Credit After Funding Y: Credit Before Funding | |
| Ending Balance | Raw | Borrowing Base | The balance from the beginning of the period adjusted for any principal distribution or adjustment made over the period. | CURRENCY | |||
| Net Recovery Amount | Calc | Borrowing Base | X - Y | CURRENCY | X: Recovery Amount Y: Recovery Amount Withdrawn | ||
| Borrowing Base | Calc | Borrowing Base | (X+Y) * Z | CURRENCY | X: Adjusted Balance Y: Total Eligible Balance Z: Advance Rate | ||
| Recovery Amount | Calc | Borrowing Base | Y/X | CURRENCY | X: WA APR Y: Total Collections | ||
| Credit Before Funding | Raw | Borrowing Base | CURRENCY | ||||
| Eligible Balance | Calc | Borrowing Base | T + X + Y +Z | CURRENCY | T: Cash Balance X: Cash Withdrawn Y: Net Cash Receipts Z: Interest Shortfall | ||
| Concentration + Ineligible Balance | Calc | Borrowing Base | X+Y | CURRENCY | X: Total Ineligible Balance Y: Total Excess | ||
| Total Commitments | Raw | Borrowing Base | CURRENCY | ||||
| Net Pledged Balance | Calc | Borrowing Base | X - Y | CURRENCY | X: Net Principal Balance Y: Beginning Balance | ||
| Advance Request | Calc | Borrowing Base | X-Y | CURRENCY | X: Borrowing Base Y: Total Extensions of Credit before Funding | ||
| Committed Capital | Raw | Borrowing Base | A contractual agreement between an investor and a venture capital fund that obligates the investor to contribute money to the fund. | CURRENCY | |||
| Adjusted Pool Balance | Calc | Borrowing Base | Pool Balance adjusted | X-Y | CURRENCY | X: Ending Balance Y: Ineligible + Excess Balance | |
| Advance Rate | Raw | Borrowing Base | The maximum percentage of the value of a collateral that a lender is willing to extend for a loan | NUMBER | |||
| Cash Balance | Raw | Borrowing Base | CURRENCY | ||||
| Reserve Account Balance | Raw | Borrowing Base | CURRENCY | ||||
| Effective Advance Rate | Raw | Borrowing Base | *100 | NUMBER | |||
| Credit After Funding | Raw | Borrowing Base | CURRENCY | ||||
| Interest Shortfall | Raw | Borrowing Base | accrued interest due that remains after a borrower has made their monthly payment | CURRENCY | |||
| Seasoning Start Date | Calc | CO Curve | convert X to yyyy-mm-01 (always the 1st of the month) | DATE | X: Monthly Vintage | ||
| Name | Calc | CO Curve | Distinct List of X | X: Monthly Vintage format: yyyy-mm-dd | |||
| Curent Charged-Off Principal Amount | Calc | CO Curve | When: X = A and Y = "Yes" and T > 5/1/21 | Sum(W) | W: Net Principal Balance X: Monthly Vintage Y: Default Flag A: Name T: Pledged Date T: Default Date | ||
| Charged-Off Ratio | Calc | CO Curve | Charge-off amount divided by the outstanding balance | X / Y | NUMBER | X: Current Charged-Off Principal Amount Y: Amount Financed - Cumulative | |
| Total Net Funded % | Both | Concentration Calculation | The total net funded amount as a percentage of the pool. | When Net Funded Balance > 350,000 | Actual: (Sum (X)) / Z Excess: Max(Actual - Limit,0) | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Delinquent Ineligible Balance | Both | Concentration Calculation | When Y = "No" | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Principal Balance (of each loan in the loan tape) Y: Delinquency Eligibility Flag | |
| DSCR Test Outstanding | Both | Concentration Calculation | X = "Yes" | Actual: (((1 - Sum(Y))/Z))*100 | NUMBER | X: DSCR Flag Y: Outstanding Balance (from Collateral Collection) Z: Total Eligible Balance (from pool) | |
| Delinquency Receivable Ratio | Raw | Concentration Calculation | *100 | NUMBER | |||
| Total Net Funded | Both | Concentration Calculation | When Net Funded Balance > 350,000 | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Eligible Principal Balance (of each loan in the loan tape) | |
| Low Credit Score High Funded % | Both | Concentration Calculation | Percentage of loans with a low credit score but high funded balance. | When Net Eligible Funded Balance > 350,000 AND FICO Max < 650 | Actual: (Sum X for each loan) / Z Excess: Actual - Limit | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Z: High Balance |
| Funded Ineligible Balance | Both | Concentration Calculation | When Net Funded Balance > 500,000 | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Eligible Principal Balance (of each loan in the loan tape) | |
| Low Credit Grade High Funded % | Both | Concentration Calculation | Percentage of loans with a low credit grade but high funded balance. | When Net Eligible Funded Balance > 350,000 AND Credit Crade = C or D | Actual: (Sum X for each loan) / Z Excess: Actual - Limit | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Z: High Balance |
| Forbidden Industry | Both | Concentration Calculation | The concentration of the forbidden industries as a percentage of the pool. | When Y = 999 | Actual: (Sum (X)) / Z Excess: Max(Actual - Limit,0) | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: 3 Digit NAIC Z: Total Eligible Balance (from Pool) |
| WA TIB High Funded Balance | Both | Concentration Calculation | When Net Eligible Funded Balance > 350,000 | Actual: (Sum X*Y for each loan) / Z Excess: Actual - Limit | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: TIB Years Z: High Balance | |
| Low Credit Grade High Funded Balance | Both | Concentration Calculation | Balance of loans with a low credit grade but high funded balance. | When Net Eligible Funded Balance > 350,000 AND Credit Crade = C or D | Actual: Sum X for each loan Limit: High Balance (Row 25) * Limit from Row 26 Excess: Actual - Limit | CURRENCY | X: Net Eligible Principal Balance (of each loan in the loan tape) |
| WA Credit Score High Funded Balance | Both | Concentration Calculation | When Net Eligible Funded Balance > 350,000 | Actual: (Sum X*Y for each loan) / Z Excess: Actual - Limit | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: FICO Max Z: High Balance | |
| Delinquency Ratio | Raw | Concentration Calculation | As of any date of determination, a ratio (expressed as a percentage) computed by dividing (i) the aggregate amount of payments due and unpaid on a PACE Asset through such date by (ii) the PACE Asset Balance of all Eligible PACE Assets. | *100 | NUMBER | ||
| WA TIB | Both | Concentration Calculation | Weighted Average Time in Business. | When Net Eligible Funded Balance < 350,000 | Actual: ((Sum (X*Y)) / Z Excess: Actual - Limit | CURRENCY | X: Net Eligible Principal Balance (of each loan) Y: TIB Z: Total Eligible Balance (from Pool) |
| Largest Industry Balance | Both | Concentration Calculation | Balance of collateral with the highest industry concentration. | (MAX(Sum (X) for each Y)) | CURRENCY | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: Industry Type | |
| Change in Principal Balance | Both | Concentration Calculation | Balance of collateral that have experienced a change in principal payments. | When Y = "Yes" | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: Modified Contract Flag |
| Ineligible Collection Pace | Both | Concentration Calculation | When Y = "No" | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Principal Balance (of each loan in the loan tape) Y: Current Pay Loan Flag | |
| Defaulted - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to loan status of charged off | When Y = "No" | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Principal Balance (of each loan in the loan tape) Y: Default Flag |
| Industry Ineligible Balance | Both | Concentration Calculation | When Y = "No" | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Principal Balance (of each loan in the loan tape) Y: Industry Flag | |
| WA Credit Score | Both | Concentration Calculation | An asset level calculation to determine the data facility WA credit score across principal balance | When Net Eligible Funded Balance < 350,000 | Actua: ((Sum (X*Y)) for each loan) / Z Excess: Actual - Limit | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: FICO Max Z: Total Eligible Balance (from Pool) |
| Largest Industry | Both | Concentration Calculation | The concentration of the largest industry as a percentage of the pool. | (MAX(Sum (X) for each Y)) / Z | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: Industry Type Z: Total Eligible Balance (from Pool) | |
| High Balance | Calc | Concentration Calculation | An asset level calculation to determine the percent of pool outstanding balance that is attributed to accounts with high credit limits | When Net Eligible Funded Balance > 350,000 | Sum(X) | NUMBER | X: Net Eligible Principal Balance |
| Max Debtor Sr Advance Rate Outstanding % | Both | Concentration Calculation | Actual: Max(X) *100 | NUMBER | X: Portfolio Exposure | ||
| WA Original Term | Both | Concentration Calculation | Actual: ((Sum (X*Y) for each loan) / Z Excess: Actual - Limit | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: Current Term Z: Total Eligible Balance (from Pool) | ||
| Risk Level Eligibility Balance | Both | Concentration Calculation | When Credit Grade = C or D | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Eligible Principal Balance (of each loan in the loan tape) | |
| Average Monthly Eligible Balance | Both | Concentration Calculation | The average monthly balance of eligible loans in a pool | When X > 0 | Actual: (Average (X)) Excess: Actual - Limit | CURRENCY | X: Net Eligible Principal Balance (of each loan in the loan tape) |
| Low Credit Score High Funded Balance | Both | Concentration Calculation | Balance of loans with a low credit score but high funded balance. | When Net Eligible Funded Balance > 350,000 AND FICO Max < 650 | Actual: Sum X for each loan Limit: High Balance (Row 25) * Limit from Row 26 Excess: Actual - Limit | CURRENCY | X: Net Eligible Principal Balance (of each loan in the loan tape) |
| Maturity - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to Original Term > client defined years | When Y = "No" | Actual: (Sum (X)) Excess: Actual - Limit | CURRENCY | X: Net Principal Balance (of each loan in the loan tape) Y: Original Term Eligible Flag |
| Change in Principal % | Both | Concentration Calculation | When Y = "Yes" | Actual: (Sum (X)) / Z Excess: Max(Actual - Limit,0) | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Y: Modified Contract Flag Z: Total Eligible Balance (from Pool) | |
| Risk Level Eligibility % | Both | Concentration Calculation | The risk level eligibility amount as a percentage of the pool. | When Credit Grade = C or D AND Net Eligible Funded Balance < 350,000 | Actual: (Sum (X)) / Z Excess: Max(Actual - Limit,0) | NUMBER | X: Net Eligible Principal Balance (of each loan in the loan tape) Z: Total Eligible Balance (from Pool) |
| Modified Loans Balance | Calc | Eligibility Criteria | Y = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Modified Asset Flag | |
| Currency - Ineligible Balance | Calc | Eligibility Criteria | Ineligible Balance due to loan not being payable in US Dollars | Y = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Currency Transaction Flag |
| Manual Exclusion - Ineligible Balance | Calc | Eligibility Criteria | Y = "Yes" AND "Z" > 9/1/21 | Max(Sum X - Sum of all fields above (Rows 3 -13),0) | CURRENCY | X: Outstanding Balance Y: Failed Line Flag Z: Origination Date | |
| TIB - Ineligible Balance | Calc | Eligibility Criteria | Ineligible balance related to TIB thresholds. | Y = "Yes" AND "Z" > 9/1/21 | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: TIB Flag Z: Origination Date |
| Underwriting Accordance - Ineligible Balance | Raw | Eligibility Criteria | CURRENCY | ||||
| Nonapproved Marketplace - Ineligible Balance | Calc | Eligibility Criteria | Ineligible balance associated with nonapproved marketplace loans | Y = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Marketplace Flag |
| Line - Ineligible Balance | Calc | Eligibility Criteria | Y = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Draw Length Flag | |
| Forbidden Industry Balance | Calc | Eligibility Criteria | Balance of collateral with forbidden industry concentration. | Y = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Industry Flag |
| Merchant Charged-Off Balance | Calc | Eligibility Criteria | Y = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Merchant Charged-Off Flag | |
| Delinquent - Ineligible Balance | Calc | Eligibility Criteria | Ineligible Balance due to Delinquent Receivable | Y = "No" "Yes" AND Z = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Delinquency Eligibility Flag Z: Current Delinquency Status |
| Total Inelgibile Balance | Calc | Eligibility Criteria | Sum all Ineligible Balances Above (Rows 3 -14) | ||||
| Charged-Off - Ineligible Balance | Calc | Eligibility Criteria | Ineligible Balance due to charged-off loans | Y = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Charged-Off Flag |
| Level Two - Ineligible Balance | Calc | Eligibility Criteria | Ineligible balance associated with Level two exposed loans | Y = "Yes" | Sum X where condition ELSE 0 | CURRENCY | X: Outstanding Balance Y: Level Two Flag |
| Current Charged-Off Ratio | Calc | EOD - Limit | NUMBER | HARD CODED: Month 1: 4% Month 2: 5% Month 3: 6.5% Month 4: 8.25% Month 5: 9.50% Month 6: 11.00% Month 7: 12.50% Month 8: 14.25% Month 9: 15.50% Month 10: 16.5% Month 11: 17% Month 12: 17.5% | |||
| Amount Financed - Cumulative | Calc | EOD-EWD - Actual | Amount financed for a group of assets | When Y = A | Sum(X) | CURRENCY | X: Funded Balance Y: Monthly Vintage A: Name |
| Monthly Vintage | Raw | EOD-EWD - Actual | FOR DATA AS OF DATE AND PRIOR 11 PERIODS | Same X as found in Name field | DATE | X: Monthly Vintage format: yyyy-mm-dd | |
| Current Charged-Off Principal Amount | Calc | EOD-EWD - Actual | When: X = A and Y = "Yes" and Z > 5/7/21 | Sum(W) | CURRENCY | W: Net Principal Balance X: Monthly Vintage Y: Default Flag A: Name Z: Default Date | |
| Max Debtor Sr Advance Rate Outstanding - EC Calc | Calc | Excess Concentration | If X Actual > X Limit, Calculation, Else 0 | (X Actual - X Limit) * Y | CURRENCY | X: Max Debtor Sr Advance Rate Outstanding Y: Total Eligible Balance | |
| DSCR Test - EC Calc | Calc | Excess Concentration | The excess concentration amount on the DSCR Flag | If X Limit > X Actual, Calculation, Else 0 | (X Limit - X Actual) * Y | CURRENCY | X: DSCR Test Outstanding Y: Total Eligible Balance |
| Total Excess | Calc | Excess Concentration | X + Y | CURRENCY | X: Max Debtor Sr Advance Rate - EC Calc Y: DSCR Test - EC Calc | ||
| DSCR Test - EC Assess | Excess Concentration | Whether the DSCR Flag passes or fails the excess test. | If X Limit > X Actual, "FAIL", Else "PASS" | TEXT | X: DSCR Test Outstanding | ||
| Max Debtor Sr Advance Rate Outstanding - EC Assess | Excess Concentration | If X Actual > X Limit, "FAIL", Else "PASS" | X: Max Debtor Sr Advance Rate Outstanding | ||||
| State | Raw | Loan | Any State, Commonwealth or territory of the United States. | TEXT | |||
| NAIC Code | Raw | Loan | 5 digit NAIC Code. | TEXT | |||
| Level Two Flag | Calc | Loan | A flag indicating whether a loan has level two exposure. | 1 = "Yes", 0 = "No" | TEXT | ||
| Verified Flag | Calc | Loan | A flag indicating whether a loan is verified. | If X is Blank than "No", Else "Yes" | TEXT | X: Verification Date | |
| DSCR Requirement | Raw | Loan | Required DSCR ratio | NUMBER | |||
| Count Ratio | Calc | Loan | To be used for graphing the percentage or ratio of assets in a given category. Should be calculated as 1/(Total Count of Assets) | 1 / X | NUMBER | X: The count of all assets in the current tape This value is used to graph the % of loans in a given delinquency category | |
| Parent Name | Raw | Loan | The name of the SPV or other issuing entity that is set up for the issuance of debt or securities instruments. | TEXT | |||
| Failed Line Flag | Calc | Loan | 1 = "Yes", 0 = "No" | TEXT | |||
| Industry Flag | Calc | Loan | A flag indicating whether a high risk industry is involved. | If X = 52111,52211,52212,52213,52219,52221,52229,56152,56159,71321,71329,81311, then "No", ELSE "Yes" | TEXT | X: NAIC Code | |
| Max Exposure Date | Raw | Loan | The maximum exposure date. | DATE | |||
| Excess Recovery | Raw | Loan | The excess amount of recovery. | CURRENCY | |||
| Credit Grade | Raw | Loan | Credit grade (showing the lower of both Rating Agencies). | TEXT | |||
| Balance Ratio | Calc | Loan | To be used for graphing the percentage or ratio of assets in a given category. Should be calculated as 1/(Total Applicable Balance of Collateral) | X / Y | NUMBER | X: Outstanding Balance Y: Total Oustanding Balance of All Loans | |
| Active Flag | Calc | Loan | Whether a loan is active or not. | If X = "On time", "On Time and Adjusted", "Late", "Late and Adjusted", or "Pause" then "Yes", Else "No" | TEXT | X: | |
| Zip Code | Raw | Loan | The zip code in which the collateral is located. | TEXT | |||
| Adjusted Balance | Raw | Loan | Outstanding Balance of an asset, bond, pool, deal, facility adjusted by a pre-determined factor | CURRENCY | |||
| Net Funded Balance | Calc | Loan | Funded Balance net of any payments (from waterfall excess funds) | If Pledged Flag = "Yes", Then Calculation, ELSE 0 | X/Y | CURRENCY | X: Net Outstanding Balance Y: Factor Rate |
| Time to Principal | Raw | Loan | The time until next principal payment. | NUMBER | |||
| Management Fees | Raw | Loan | fees for management of a project | CURRENCY | |||
| TIB Months | Raw | Loan | Time in Business (Months) | NUMBER | |||
| Ineligible Loan Flag | Calc | Loan | The asset doesn't meet all the of the Key Eligibility Criteria of the facility | If Rows 56 - 65 have EXACTLY 1 No, "Yes", "No" | TEXT | ||
| Contract Pricing Percentage | Raw | Loan | The percentage of the contract value to total value. | NUMBER | |||
| Commission | Raw | Loan | Commission amount on collateral. | CURRENCY | |||
| Delinquency Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies assets that meet the delinquency criteria. | 0: "No" 1: "Yes" | TEXT | ||
| Monthly Revenue | Raw | Loan | Amount of revenue on a monthly basis. | CURRENCY | |||
| Loan ID | Raw | Loan | ID of a loan. | TEXT | |||
| Current Balance | Raw | Loan | Amount of loan outstanding as of pool cut off date, This should include any amounts that are secured by the mortgage and will be classed as principal in the transaction. | CURRENCY | |||
| Multiple Ineligible Flag | Calc | Loan | A flag indicating whether a loan meets multiple ineligible criteria. | 1 = "Yes", 0 = "No" | TEXT | ||
| Time to Max Exposure | Raw | Loan | The time to maximum exposure. | NUMBER | |||
| Merchant Charged-Off Flag | Calc | Loan | 1 = "Yes", 0 = "No" | TEXT | |||
| Marketplace Flag | Calc | Loan | 1 = "Yes", 0 = "No" | TEXT | |||
| Net Cashflow Paid | Raw | Loan | The net cashflow available from an asset | CURRENCY | |||
| Portfolio Exposure | Calc | Loan | Exposure as a percentage of the portfolio. | *100 | NUMBER | ||
| Origination Date | Raw | Loan | The date of original underlying exposure advance. | DATE | |||
| Rate % | Raw | Loan | The rate at which a interest baring instrument accrues interest. | NUMBER | |||
| Total Delinquencies Count | Raw | Loan | Total Delinquencies Count | NUMBER | |||
| Current Delinquency Status | Calc | Loan | A flag indicating the delinquency status of the asset. | 1 = "Yes", 0 = "No" | TEXT | ||
| Vintage Mnth | Calc | Loan | Extract month and year from 'Seasoning Start Date' in the format yyyyMMM where MMM is the first 3 characters of the month | TEXT | |||
| Draw Due Date | Raw | Loan | The last date of a credit line. | DATE | |||
| Current Pay Loan Flag | Calc | Loan | A flag that indicates if a servicer or originator has taken any of the following actions: charged a default rate of interest, accelerated the transferred loan, foreclosed on collateral for the loan, etc. | IF X = 0 Then "No". Else Calculation | If X/Y > 0.6 THEN "Yes". ELSE "No" | TEXT | X: Principal Payment Y: Scheduled Principal |
| Collections on Receivables | Raw | Loan | payments received | CURRENCY | |||
| Payment Frequency | Raw | Loan | Frequency of payments due, i.e. number of months between payments. | TEXT | |||
| Default Date | Calc | Loan | The date of a payment or technical default. | If X = "Yes", Y+40 Days, Else Null | DATE | X: Default Flag Y: Payment Date | |
| Current AR Balance | Raw | Loan | CURRENCY | ||||
| Exclusion Flag | Calc | Loan | If X = 1, Then "Yes", Else, "No" | TEXT | X: Manual Exlusion | ||
| Charged-Off Flag | Calc | Loan | Indicates if this asset has been charged off, i.e. written off and uncollectable. | 1 = "Yes", 0 = "No" | TEXT | ||
| Net Eligible Principal Balance | Calc | Loan | The net eligible principal balance of a loan. | If Verified Flag and Pledged Flag and Eligible Loan Flag = "Yes" then X, Else 0 | CURRENCY | X: Net Principal Balance | |
| Payment Date | Raw | Loan | payment date | DATE | |||
| Draw Length | Raw | Loan | The length of a credit line. | NUMBER | |||
| Number of Loans | Calc | Loan | The aggregated number of loans represented in the aggregated balance. | Count the number of occurrences of the associated 'Borrower Identifier' that are found in the loan tape. | NUMBER | ||
| Lender Flag | Calc | Loan | A flag to indicate whether the lender is approved or acredited. | IF X =("TVT Syndication","Nextwave Enterprises LLC","Emerchant Off-Platform","Nextwave Enterprises LLC (Off Platform)","E-merchant Off Platform") THEN "No" ELSE "Yes" | TEXT | X: Company | |
| Category | Raw | Loan | The type of payment made | TEXT | |||
| Counter | Calc | Loan | A value to allow for CRT calculations based on count | 1 | NUMBER | Assign each loan the value of 1 | |
| Current Term | Raw | Loan | The current contractual term (number of months). | NUMBER | |||
| Net Outstanding Balance | Calc | Loan | net outstanding | MAX(X-Y,0) | CURRENCY | X: Original Loan Amount Y: Collections on Receivables | |
| DSCR Flag | Calc | Loan | 1 = "Yes", 0 = "No" | TEXT | |||
| DSCR | Raw | Loan | Debt Service Coverage Ratio | NUMBER | |||
| Original Lender Type | Raw | Loan | The type of lender. | TEXT | |||
| Max Exposure Ratio | Raw | Loan | NUMBER | ||||
| Account ID | Raw | Loan | The account ID associated with this item. | TEXT | |||
| Revenue | Raw | Loan | The revenue collected before costs are subtracted. | CURRENCY | |||
| Repayment Start Date | Raw | Loan | The date a loan is eligble for repayment. | DATE | |||
| Default Flag | Calc | Loan | A flag indicating that either a payment or technical default has occurred. | 0: "No" 1: "Yes" | TEXT | ||
| Total Delinquencies | Raw | Loan | Total value of delinquencies. | CURRENCY | |||
| FICO Score | Raw | Loan | A FICO® Score is a measurement of the relative degree of risk a borrower represents to a lender, i.e., that a borrower with a higher score may be less likely to default in payment than a borrower with a lower score. FICO® Score ranges from 300 - 850. | NUMBER | |||
| Industry Type | Raw | Loan | The type of industry. | TEXT | |||
| Max Exposure | Raw | Loan | CURRENCY | ||||
| Application ID | Raw | Loan | Unique identifier for application that gets shared to MOHELAs servicing system | TEXT | |||
| Modified Contract Flag | Calc | Loan | A flag indicating if this asset has a modified contract. | 1 = "Yes", 0 = "No" | TEXT | ||
| TIB | Raw | Loan | Time in Business (Years) | NUMBER | |||
| Draw Length Flag | Calc | Loan | A flag indicating if the draw length is within a certain threshold. | 1 = "Yes", 0 = "No" | TEXT | ||
| Portfolio Flag | Calc | Loan | 1 = "Yes", 0 = "No" | TEXT | |||
| 2nd FICO | Raw | Loan | 2nd available FICO score. | NUMBER | |||
| Total Charged-Off Principal Amount | Raw | Loan | The total charged-off principal amount. | CURRENCY | |||
| Seller | Raw | Loan | Seller name. | TEXT | |||
| Max Exposure Flag | Calc | Loan | A flag indicating whether a loan exceeds max exposure thresholds. | 1 = "Yes", 0 = "No" | TEXT | ||
| FICO Max | Calc | Loan | The max FICO scores between the 1st and 2nd FICO. | Max(X,Y) | NUMBER | X: 2nd FICO Y: FICO Score | |
| Failed Client Flag | Calc | Loan | 1 = "Yes", 0 = "No" | TEXT | |||
| RTR Charge Off | Raw | Loan | CURRENCY | ||||
| Original Loan Amount | Raw | Loan | The original total amount of the loan | CURRENCY | |||
| Loan Status | Raw | Loan | The current status of the underlying exposure that has been securitized. Restructuring refers to any changes made to the contractual terms of the underlying exposure agreement due to forbearance. | TEXT | |||
| Months to Charge-Off | Calc | Loan | months until charge off occurs | When F = "Yes" When F = "No" | Roundup[((X-Y)-Z)+120]/30 - no decimal 0 | NUMBER | F: Default Flag X: Collection Period End Date Y: Origination Date Z: Days Past Due |
| Charged-Off Principal Amount | Raw | Loan | The amount of the principal balance which was charged-off. | CURRENCY | |||
| TIB Flag | Calc | Loan | A flag indicating whether a loan exceeds TIB thresholds. | 1 = "Yes", 0 = "No" | TEXT | ||
| Loan Type | Raw | Loan | The type of facility ties to this asset. | TEXT | |||
| Payment Type | Raw | Loan | Principal payment type. | TEXT | |||
| NAIC Description | Raw | Loan | Description of NAIC Code. | TEXT | |||
| Original Term Eligible Flag | Calc | Loan | A flag to indicate long loan terms. | If X =< 12 THEN "Yes". ELSE "No" | TEXT | X: Current Term | |
| APR | Raw | Loan | Annual Percentage Rate | NUMBER | |||
| First Scheduled Payment Date | Raw | Loan | The date of the first scheduled payment. | DATE | |||
| Revenue Flag | Calc | Loan | 1 = "Yes", 0 = "No" | TEXT | |||
| Scheduled Principal | Raw | Loan | Scheduled Principal Payment due. | CURRENCY | |||
| Company | Raw | Loan | The company of the obligor. | TEXT | |||
| Pledged Flag | Calc | Loan | A flag indicating whether a loan is pledged. | If X is Blank than "No", Else "Yes" | TEXT | X: Data As of Date | |
| Outstanding Exposure | Calc | Loan | Groupby(Y) and sum for total X on Y (Sumif X on Y) | CURRENCY | X: Outstanding Balance Y: Company | ||
| Funded Balance | Raw | Loan | CURRENCY | ||||
| Net Eligible Funded Balance | Calc | Loan | If Pledged Flag = "Yes" and Eligible Flag = "Yes", Then Calculation, ELSE 0 | X/Y | CURRENCY | X: Net Outstanding Balance Y: Factor Rate | |
| Right to Receive | Raw | Loan | CURRENCY | ||||
| Total RTR Charge Off | Raw | Loan | CURRENCY | ||||
| Currency Transaction Flag | Calc | Loan | Identifies if the Currency of the Transaction is in the approved list | 1 = "Yes", 0 = "No" | LIST | ||
| Principal Payment | Raw | Loan | Principal payment made to a ABS Tranche. | CURRENCY | |||
| Pledge Date | Raw | Loan | DATE | ||||
| Other Fees | Raw | Loan | Fees collected without a title. | CURRENCY | |||
| Adjusted Loan Amount | Raw | Loan | The adjusted loan amount. | CURRENCY | |||
| Verification Date | Raw | Loan | The date of verification. | DATE | |||
| Eligible Loan Flag | Calc | Loan | A flag indicating an asset meets all the of the key eligibility criteria of the facility. | If Rows 56-65 = "Yes" Then "Yes", ELSE "No" | TEXT | ||
| Delinquent Principal | Raw | Loan | CURRENCY | ||||
| Vintage Qtr | Calc | Loan | Assign the year and quarter based on the 'Seasoning Start Date' in the form yyyyQ#, where # is based on the following: 1 for a month in Jan, Feb, Mar 2 for a month in Apr, May, Jun 3 for a month in Jul, Aug, Sep 4 for a month in Oct, Nov, Dec | TEXT | |||
| Credit Grade Flag | Calc | Loan | A flag indicating a below average credit grade. | If X = "A", "B", "C", "D", then "Yes", ELSE "No" | TEXT | X: Credit Grade | |
| Paid-off Flag | Calc | Loan | Identifies loans that have been paid off. | If X > 0 THEN "Yes". ELSE "No" | TEXT | X: Net Outstanding Balance | |
| Original Balance | Raw | Loan | The initial balance of each loan at the cut-off date or pre-funded month. | CURRENCY | |||
| As of Date | Raw | Loan | The date upon which something is considered to take effect, which may be a past, present or future date. This may be different from the date upon which the event occurs or is recorded. | DATE | |||
| Oustanding Balance | Raw | Loan | |||||
| Daily Payment | Raw | Loan | The daily payment amount. | CURRENCY | |||
| Line First Date | Raw | Loan | First date a line of credit is given out. | DATE | |||
| External Funded Amount | Raw | Loan | Funded amount from an external source. | CURRENCY | |||
| Vintage Yr | Calc | Loan | Extract Year from Seasoning Start Date | TEXT | |||
| Sale Eligibility Flag | Calc | Loan | 1 = "Yes", 0 = "No" | TEXT | |||
| Collection Period Begin Date | Raw | Pool | The beginning date for current period collection | DATE | |||
| Data as of Date | Raw | Pool | This is the 'default' as-of date for static data of an element. This is mandatory for Root Elements for them to show up in TRA. | DATE | |||
| Collection Period End Date | Raw | Pool | The end date for current period collection | DATE | |||
| Outstanding Balance | Calc | Pool | The unpaid, interest-bearing balance of a loan or loan portfolio. | Sum(X) for all loans | CURRENCY | X: Net Outstanding Balance | |
| Net Principal Balance | Calc | Pool | The gross principal balance minus the total ineligible principal | Sum(X) for all loans | CURRENCY | X: Net Principal Balance | |
| Total Ineligible Balance | Calc | Pool | Total principal balance minus approved ineligible loan amount | X - Y | CURRENCY | X: Oustanding Balance (from Pool) Y: Total Eligible Balance (from Pool) | |
| Multiple Ineligible Balance | Calc | Pool | When Multiple Ineligible Flag = "Yes" | Sum (X) | CURRENCY | X: Net Funded Balance (of each loan in the loan tape) | |
| Ineligible Loan Balance | Calc | Pool | Principal balance if this is an ineligible loan | When Ineligible Loan Flag = "Yes" | Sum (X) | CURRENCY | X: Net Funded Balance (of each loan in the loan tape) |
| Total Ineligible Loan Balance | Calc | Pool | X - Y | CURRENCY | X: Multiple Ineligible Balance Y: Ineligible Loan Balance |