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 |
| Outstanding Balance | Raw | Academic Programs | The unpaid, interest-bearing balance of a loan or loan portfolio. | For all but Limit: Sum(X) for each Y For Limit: NULL | CURRENCY | X: Current Balance Y: Name | |
| Delinquency Ratio | Both | Academic Programs | 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. | (X + Y) / Z by W | NUMBER | X: 30+ Delinquent - Ineligible Balance Y: 120+ Delinquent - Ineligible Balance Z: Outstanding Balance W: Name | |
| Net Charged-Off Ratio | Both | Academic Programs | (X - Y) * 12 / Z by W | NUMBER | X: Charged-Off Principal Balance Y: Risk Share Release Z: Beginning Balance W: Name | ||
| Prior Bond Factor | Raw | Bond | The prior period bond factor: ratio of prior period current balance to original balance | NUMBER | |||
| Principal Payment | Calc | Bond | Principal payment made to a ABS Tranche. | (X - Y) * Z | CURRENCY | X: "Prior Bond Factor" Y: "Bond Factor" Z: "Pledged Balance" Reference: SVB Tie Out \ Principal Distributions | |
| Series | Raw | Bond | Order of issuances assigned to a bond that is a part of a larger funding program. | TEXT | |||
| Current Valuation Amount | Calc | Bond | Most recent valuation amount (if e.g. at repossession there were multiple valuations, this should reflect the lowest). | X * Y | CURRENCY | X: "Bond Factor" Y: "Pledged Balance" Reference: SVB Tie Out \ Current Value | |
| Bond Factor | Raw | Bond | The ratio of the current bond balances to the original bond balance | NUMBER | |||
| Funded Balance | Calc | Bond | X * Y | CURRENCY | X: "Current Valuation Amount" Y: "Advance Rate" Reference: SVB Tie Out \ Advance Rate | ||
| Funded Balance Change | Calc | Bond | The change in funded balance from prior period to current period | (J - K) * X * Y | CURRENCY | J: "Prior Bond Factor" K: "Bond Factor" X: "Pledged Balance" Y: "Advance Rate" Reference: SVB Tie Out \ Change in Funded Amount | |
| Net Funded Balance | Raw | Bond | Funded Balance net of any payments (from waterfall excess funds) | CURRENCY | |||
| Advance Rate | Calc | Bond RR Advance | The maximum percentage of the value of a collateral that a lender is willing to extend for a loan | IF X ε "R" THEN 0% ELSE IF Y = "PL" THEN 92.5% ELSE IF X = "PT" THEN 90% ELSE 95% | NUMBER | X: "Bond Class" Y: "Product Type" Reference: SVB Tie Out \ Advance Rate | |
| CUSIP | Raw | Bond RR Advance | Identification number assigned to most financial instruments | TEXT | |||
| Risk Retention | Raw | Bond RR Advance | Risk Retention percent for a given bond | NUMBER | |||
| Bond Class | Raw | Bond RR Advance | bond classification | TEXT | |||
| Pledged Balance | Calc | Bond RR Advance | Initial Balance pledged against a borrowing base or other financing request | Round(X * Y) to the nearest whole number | CURRENCY | X: "Risk Retention" Y: "Pledged Balance" Reference: SVB Tie Out \ Pledged Balance | |
| Original Balance | Raw | Bond RR Advance | The initial balance of each loan at the cut-off date or pre-funded month. | CURRENCY | |||
| Interest Due | Raw | Borrowing Base | Interest Due to Lender or Investor | CURRENCY | Value is found in cell below field name | ||
| Adjusted Pool Balance | Calc | Borrowing Base | Pool Balance adjusted | Sum(A,B,C,D,E,F,G) | CURRENCY | A: Ending Balance B: Cash Balance C: High Balance - Eligible Balance D: Forbearance - Eligible Balance E: Duplicate Ineligible Balance F: Total Ineligible Balance G: Concentration Limits - Ineligible Balance - EC Calc | |
| Funded Amount - Added During Collection Period | Raw | Borrowing Base | Funds added to account during a collection period | CURRENCY | |||
| Cash Balance | Calc | Borrowing Base | Max(X,0) | CURRENCY | X: Principal Collections in Collection Account Reference: Borrowing Request \ Eligible Cash Balance | ||
| Remaining Funds | Calc | Borrowing Base | Funds remaining in Waterfall to be applied to funded balance | X - (A + B + C + D + E) - sum(Y) over Z | CURRENCY | X: "Available Funds" A: "Agent Fee" B: "Unused Fee" C: "Interest Due" D: "Collection Account Fee" E: "Unpaid Accrued Interest Due" Y: "Funded Balance Change" Z: "Name" Reference: Borrowing Base \ Available Funds \ Remaining Funds in Waterfall Applied to Funded Balance | |
| Beginning Balance | Raw | Borrowing Base | Beginning Balance of a note or account. | CURRENCY | |||
| LIBOR Floor | Raw | Borrowing Base | LIBOR minimum | NUMBER | |||
| Current Interest Rate | Calc | Borrowing Base | Current interest rate (%). | X + Y | NUMBER | X: "LIBOR" Y: "Excess Spread Ratio" Reference: Borrowing Base \ Rates and Facility Information \ Note Interest Rate | |
| Agent Fee | Raw | Borrowing Base | fee paid to the administrative agent | CURRENCY | Value is found in cell below field name | ||
| Funded Amount - Beginning of Collection Period | Raw | Borrowing Base | Facility Funded balance at the beginning of a given collection period | CURRENCY | |||
| Borrowing Base | Calc | Borrowing Base | Sum(X*Y) across all Z | CURRENCY | X: "Par Value - Eligible Assets" Y: "Advance Rate" Z: "Name" Reference: Borrowing Base \ Borrowing Base Calculation \ Borrowing Base Calculation | ||
| Actual Principal Collected Amount | Raw | Borrowing Base | The reported net principal paid to the collection account. | CURRENCY | |||
| Residual Interests Value | Calc | Borrowing Base | Any on-balance sheet asset that represents an interest created by a transfer that qualifies as a sale of financial assets and that exposes a bank to any credit risk associated with the transferred asset that exceeds its pro-rata share | X - Y | CURRENCY | X: "Adjusted Balance" Y: "Net Ending Balance" Reference: Borrowing Base \ Borrowing Base Calculation \ Implied Value of Residual Interests | |
| Total Ineligible Balance | Calc | Borrowing Base | Total principal balance minus approved ineligible loan amount | W + X + Y + Z | CURRENCY | W: Defaulted Receivable Balance X: 30+ Delinquent - Ineligible Balance Y: 120+ Delinquent - Ineligible Balance Z: Other Ineligible Balance | |
| Fund Availability - Beginning of Collection Period | Calc | Borrowing Base | Available fund amount start of collection period | Maximum(X,Y) - Z | CURRENCY | X: "Borrowing Base" Y: "Program Limit" Z: "Funded Amount - Beginning of Collection Period" Reference: Borrowing Base \ Facility Balance \ Advance Balance at Current Settlement \ Beginning Availability | |
| Other Ineligible Balance | Calc | Borrowing Base | X - Y - Z | CURRENCY | X: Unadjusted Ineligible - Ineligible Balance - EC Calc Y: 30+ Delinquent - Ineligible Balance Z: 120+ Delinquent - Ineligible Balance | ||
| Forbearance - Eligible Balance | Calc | Borrowing Base | X - Y | CURRENCY | X: Forbearance Acquired Loan - Ineligible (Actual) Y: Forbearance Acquired Loan - Ineligible (Adjusted Actual) | ||
| Collection Account Fee | Raw | Borrowing Base | Fees required to be made to the Collection Agent | CURRENCY | |||
| Adjusted Duplicate Ineligible Balance | Calc | Borrowing Base | X - Y | CURRENCY | X: Duplicate Ineligible Balance (Actual) Y: Duplicate Ineligible Balance (Adjusted Actual) | ||
| Collections on Receivables | Raw | Borrowing Base | payments received | CURRENCY | Value is found in cell below field name | ||
| Payable | Raw | Borrowing Base | cash payable by borrower | CURRENCY | |||
| Change in Principal | Calc | Borrowing Base | X - Y - Z | CURRENCY | X: Ending Balance Y: Beginning Balance Z: Loan Balance Added | ||
| Reserve Deposit | Calc | Borrowing Base | The amount deposited into a reserve account in this period. | Max(0,(X-Y)) | CURRENCY | X: Minimum Required Reserve Account Y: Reserve Account Balance | |
| Reserve Account Balance | Raw | Borrowing Base | CURRENCY | ||||
| 120+ Delinquent - Ineligible Balance | Raw | Borrowing Base | Balance of Loans identified as ineligible due to 120+ delinquency | CURRENCY | |||
| Principal Distributable Amount | Calc | Borrowing Base | principal distributable amount | X - (A + B + C + D + E) | CURRENCY | X: "Available Funds" A: "Agent Fee" B: "Unused Fee" C: "Interest Due" D: "Collection Account Fee" E: "Unpaid Accrued Interest Due" Reference: Borrowing Base \ Required Distributions \ Loan Lenders' Principal Distributable Amount | |
| Funded Amount - Removed During Collection Period | Raw | Borrowing Base | Funds removed from an account during a collection period | CURRENCY | |||
| Unused Facility Amount | Calc | Borrowing Base | unused (remaining) portion of the lending facility | X - Y | CURRENCY | X: "Program Limit" Y: "Current Advance Balance" Reference: Borrowing Base \ Facility Balance \ Unused Facility Amount | |
| Unused Fee | Raw | Borrowing Base | Unused Fee = Undrawn Fee = Commitment Fee, Fee on the unused portion of the lending facility | CURRENCY | Value is found in cell below field name | ||
| Minimum Required Reserve Account | Raw | Borrowing Base | CURRENCY | ||||
| High Balance - Eligible Balance | Calc | Borrowing Base | X - Y | CURRENCY | X: High Balance Acquired Loan - Ineligible (Actual) Y: High Balance Acquired Loan - Ineligible (Adjusted Actual) | ||
| Current Advance Balance | Calc | Borrowing Base | Advance balance currently available | X + Y | CURRENCY | X: "Funded Amount - End of Collection Period" Y: "Principal Payment" Reference: Borrowing Base \ Facility Balance \ Advance Balance at Current Settlement | |
| Amount Released | Calc | Borrowing Base | X - Y | CURRENCY | X: Requested Advance Amount Y: Reserve Deposit | ||
| Defaulted Receivable Balance | Raw | Borrowing Base | Total current period defaulted receivables (cumulative) | CURRENCY | |||
| Available Commitments % | Calc | Borrowing Base | The available commitments divided by the total commitments amount. | X / Y | NUMBER | X: Fund Availability - End of Collection Period Y: Program Limit | |
| Available Funds | Calc | Borrowing Base | funds available for cash flow | X + Y | CURRENCY | X: "Collections on Receivables" Y: "Payable" Reference: Borrowing Base \ Availble Funds \ Total Available Funds | |
| Requested Advance Amount | Calc | Borrowing Base RR Advance | Amount requested by borrower from a defined lending facility | Sum(X) across all Y | CURRENCY | X: "Requested Advance Amount" Y: "Name" Reference: Facility Balance \ Advance Balance after current funding \ Requested Advance Amount | |
| Fund Availability - End of Collection Period | Calc | Borrowing Base RR Advance | Available funds at the end of the collection period | X - Y | CURRENCY | X: "Fund Availability - Beginning of Collection Period" Y: "Requested Advance Amount" Reference: Borrowing Base \ Facility Balance \ Advance Balance after current funding \ Ending Availability | |
| Cut-Off Date | Raw | Borrowing Base RR Advance | The security interest transfer date of a deal or securitization. | DATE | |||
| Effective LIBOR Rate | Calc | Borrowing Base RR Advance | effective LIBOR rate after evaluation | Maximum of (X, Y) | NUMBER | X: "LIBOR" Y: "LIBOR Floor" Reference: Borrowing Base \ Rates and Facility Information \ Effective LIBOR Rate | |
| Funded Amount - End of Collection Period | Calc | Borrowing Base RR Advance | Amount funded at the end of the collection period | X + Y | CURRENCY | X: "Funded Amount - Beginning of Collection Period" Y: "Requested Advance Amount" Reference: Borrowing Base \ Facility Balance \ Advance Balance after current funding \ Ending Funded Amount | |
| Investment Amount - Original | Raw | Borrowing Base RR Advance | The initial investment / loan size for a project | CURRENCY | |||
| Program Limit | Raw | Borrowing Base RR Advance | Maximum available (funding) for a given program | CURRENCY | |||
| Alternate Advance Rate | Raw | Borrowing Base RR Advance | An alternate advance rate to be used for comparisons | NUMBER | The April 15 2021 Advance Rate for use in defining lower limit of | ||
| LIBOR | Raw | Borrowing Base RR Advance | London inter-bank lending rate | NUMBER | |||
| Par Value - Less Shortfalls | Calc | Borrowing Base RR Advance | Par Value less any residual interest shortfalls | X - Minimum(Y,0) | CURRENCY | X: "Par Value - Eligible Assets" Y: "Residual Interests Value" Reference: Borrowing Base \ Borrowing Base Calculation Par Value of notes less Implied Shortfall | |
| Name | Calc | CO Curve | Distinct List of X | X: Monthly Vintage format: yyyy-mm-dd | |||
| Seasoning Start Date | Calc | CO Curve | convert X to yyyy-mm-01 (always the 1st of the month) | DATE | X: Monthly Vintage | ||
| Cumulative Original Balance | Calc | CO Curve | For a group of loans the sum of the original balances | X + Y + Z | CURRENCY | X: Amount Financed - Cumulative (Current Name) Y: Amount Financed - Cumulative (1 month prior Name) Z: Amount Financed - Cumluative (2 months prior Name) | |
| Charged-Off 1 Month Prior | Calc | CO Curve | cumulative charged off from prior period | X | CURRENCY | X: Charged-Off Principal Amount (from prior period) | |
| Report Date | Raw | CO Curve | The date of the servicer report/cashflow report | DATE | |||
| Cumulative Charged-Off Ratio | Calc | CO Curve | charged-off ratio for some sort of cumulation | X / Y | NUMBER | X: Cumulative Charged-Off Principal Amount Y: Cumulative Original Balance | |
| Cumulative Charged-Off Principal Amount | Calc | CO Curve | X + Y + Z | CURRENCY | X: Charged-Off Principal Amount (Current Name) Y: Charged-Off Principal Amount (1 month prior Name) Z: Charged-Off Principal Amount (2 months prior Name) | ||
| Current Charged-Off Principal Amount | Calc | CO Curve | When: X = A and | Sum(W) | CURRENCY | W: Charged-Off Principal Amount X: Monthly Vintage A: Name | |
| Amount Financed - Cumulative | Calc | CO Curve Qtr | Amount financed for a group of assets | When Y = A | Sum(X) where Y = N | CURRENCY | X: Amount Financed - Cumulative Y: Quarterly Vintage N: Name |
| Charged-Off Principal Amount | Calc | CO Curve Qtr | The amount of the principal balance which was charged-off. | Sum(X) where Y = N | CURRENCY | X: Cumulative Defaulted Receivables Balance Y: Quarterly Vintage N: Name | |
| WA Credit Score - EC Assess | Calc | Concentration Assessment | For Excess Concentrations - determination of whether WA Credit Score limit is breached. Value is Pass/Fail | If X > Y then "Pass" Else "Fail" | TEXT | X: WA Credit Score Actual Y: WA Credit Score Limit | |
| Eligible Loans - Aviation - EC Assess | Calc | Concentration Assessment | If X < Y then "Pass" Else "Fail" | TEXT | X: Eligible Loans - Aviation Actual Y: Eligible Loans - Aviation Limit | ||
| WA Remaining to Maturity Term (subset) - EC Assess | Calc | Concentration Assessment | If X < Y then "Pass" Else "Fail" | TEXT | X: WA Remaining to Maturity Term (subset) Actual Y: WA Remaining to Maturity Term (subset) Limit | ||
| Credit Score - Low Range - EC Assess | Calc | Concentration Assessment | If X < Y then "Pass" Else "Fail" | TEXT | X: Credit Score - Low Range Actual Y: Credit Score - Low Range Limit | ||
| Eligible Loans - Information Technology - EC Assess | Calc | Concentration Assessment | If X < Y then "Pass" Else "Fail" | TEXT | X: Eligible Loans - Information Technology Actual Y: Eligible Loans - Information Technology Limit | ||
| Eligible Loans - Industrials - EC Assess | Calc | Concentration Assessment | If X < Y then "Pass" Else "Fail" | TEXT | X: Eligible Loans - Industrials Actual Y: Eligible Loans - Industrials Limit | ||
| Delinquency Ratio - EC Assess | Both | Concentration Assessment | If X < Y then "Pass" Else "Fail" | TEXT | X: Delinquency Ratio Actual Y: Delinquency Ratio Limit | ||
| Eligible Loans - Eligible School Max - EC Assess | Calc | Concentration Assessment | If X < Y then "Pass" Else "Fail" | TEXT | X: Eligible Loans - Eligible School Max Actual Y: Eligible Loans - Eligible School Max Limit | ||
| WA Effective Interest Rate - EC Assess | Calc | Concentration Assessment | If X > Y then "Pass" Else "Fail" | TEXT | X: WA Effective Interest Rate Actual Y: WA Effective Interest Rate Limit | ||
| No Credit Score Balance - EC Assess | Calc | Concentration Assessment | For Excess Concentrations - determination of whether No Credit Score Balance limit is breached. Value is Pass/Fail | If X < Y then "Pass" Else "Fail" | TEXT | X: No Credit Score Balance Actual Y: No Credit Score Balance Limit | |
| Eligible Loans - Medical - EC Assess | Calc | Concentration Assessment | If X > Y then "Pass" Else "Fail" | TEXT | X: Eligible Loans - Medical Actual Y: Eligible Loans - Medical Limit | ||
| WA Remaining Months in School (subset) - EC Assess | Calc | Concentration Assessment | If X < Y then "Pass" Else "Fail" | TEXT | X: WA Remaining Months in School (subset) Actual Y: WA Remaining Months in School (subset) Limit | ||
| 30+ Delinquent - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to 30+ delinquency | When 'Days Past Due' > 30 and 'Days Past Due' <= 120 | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both Actual and Adjusted Actual sum of current balance when Days Past Due >30 and <=120 |
| Ineligible School - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to school ineligibility | When 'School Eligibility Flag' = "No" | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both Actual and Adjusted Actual balances of loans for students attending ineligible schools |
| Concentration Limits - Ineligible Balance | Both | Concentration Calculation | Balance of Loans removed from eligibility pool in order to bring Concentration Limits within Requirements | When 'Concentration Limits Eligibility Flag' = "No" | Sum ('Current Balance') when condition is met | CURRENCY | Sum of Current Balance for loans excluded due to Concentration Limits Eligibility Flag |
| Eligible Loans - Eligible School Max | Both | Concentration Calculation | The maximum percent of eligible loan balance across all eligible schools | Maximum ('Eligible Schools & Programs' column E) | NUMBER | For the Actual value, take the maximum percent found in column E (the column associated with eligible loans for each school - as a percent of all eligible loans). Will need to remap once we pull in the eligible school table. | |
| Forbearance Acquired Loan - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to Forbearance for loans acquired into facility | Actual: When 'Forbearance Eligibility Flag' = "No" and 'Loan Acquired from Alternate Facility Flag' = "Yes"; Adjusted Actual: When 'Waiver Forbearance Flag' = "No" and 'Loan Acquired from Alternate Facility Flag' = "Yes | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Sum ('Current Balance') when condition is met | CURRENCY | For both Actual and Adjusted Actual sum of current balance for loans that are ineligible due to Forbearance and are Red River loans |
| Collection Period End Date | Raw | Concentration Calculation | The end date for current period collection | DATE | |||
| Maturity Alternate - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to Original Term > alternate client defined years | When 'Original Term (Years)' > 15 and 'Academic Program' = "Aviation" | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both actual and adjusted actual balances of loans for which the original term is > 15 years when the academic program is aviation |
| Charged-Off Ratio | Both | Concentration Calculation | Charge-off amount divided by the outstanding balance | Actual: ('Charged-Off Principal Balance' - 'Risk Release Ratio')*12/'Beginning Balance' | NUMBER | ||
| Eligible Loans - Medical | Both | Concentration Calculation | Eligible Loans measured as a percent of current balance based on medical programs | When 'Eligible Loan Flag' = "Yes" (applicable to both numerator and denominator) and 'Academic Program' in ("Medical Technology", "Healthcare") (applicable only to numerator) | Sum('Current Balance') for applicable 'Academic Program'/ Sum('Current Balance') | NUMBER | Current Balance for Medical programs as a percent of Current Balance (all for only eligible loans) |
| WA Credit Score | Both | Concentration Calculation | An asset level calculation to determine the data facility WA credit score across principal balance | NUMBER | Pull from fields identified in Tab \ Field | ||
| Forbearance Amount | Both | Concentration Calculation | Scheduled balance of loans currently in forbearance | When 'Eligible Loan Flag' = "Yes" and 'Forbearance Status' = "In_Forbearance" | Sum ('Current Balance') when condition is met | CURRENCY | Sum of Current Balance for Eligible Loans in Forbearance |
| No Credit Score Balance | Both | Concentration Calculation | An asset level calculation to determine the percent of pool outstanding balance associated with assets with no credit score | When 'Eligible Loan Flag' = "Yes" and 'No FICO Score' = "Yes" | Sum ('Current Balance') when conditions met / 'Total Eligible Balance' | NUMBER | Sum of Current Balance for eligible loans that do not have a FICO score |
| Average Total Eligible Balance | Both | Concentration Calculation | Average balance of eligible loans | CURRENCY | Pull from fields identified in Tab \ Field | ||
| Eligible Loans - Industrials | Both | Concentration Calculation | Eligible Loans measured as a percent of current balance based on Industrial programs | When 'Eligible Loan Flag' = "Yes" (applicable to both numerator and denominator) and 'Academic Program' = "Industrials" (applicable only to numerator) | Sum('Current Balance') for applicable 'Academic Program'/ Sum('Current Balance') | NUMBER | Current Balance for Industrial programs as a percent of Current Balance (all for only eligible loans) |
| Defaulted - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to loan status of charged off | When 'Loan Status' = "CHARGED_OFF' | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both Actual and Adjusted Actual sum of current balance when Loan Status = charged off |
| Low Credit Score - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to low credit score | When 'FICO Eligibility Flag' = "No" | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both actual and adjusted actual balances of loans for which the FICO score is <600 |
| High Balance Acquired Loan - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to high balance - for loans acquired through purchase of another facility | Actual: When 'Current Balance' >50000, 'Academic Program' <> "Aviation", 'Loan Acquired from Alternate Facility Flag' = "Yes"; | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Copy Actual value from 'High Balance - Ineligible Balance' | CURRENCY | For both Actual and Adjusted Actual balances of loans for which the loan balance is >50000. Difference is Actual is for Red River loans while Adjusted Actual is for non-Red River. |
| High Balance Alternate - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to high balance - alternate measure used when more than one High Balance criteria | When 'Current Balance' >100000 and 'Academic Program' = "Aviation" | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both Actual and Adjusted Actual balances of loans for which the loan balance is >100000 and the academic program is Aviation. |
| Credit Score - Low Range | Both | Concentration Calculation | Percent of Loans (eligible) with credit scores in an acceptable but low range - as defined by client | When 'Eligible Loan Flag' = "Yes" and 'Adjusted FICO Score >= 600 and 'Adjusted FICO Score' <= 640 | Sum ('Current Balance') when conditions met / 'Total Eligible Balance' | NUMBER | Sum of Current Balance for eligible loans with a FICO score >= 600 and <= 640 |
| Forbearance - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to Forbearance | When 'Forbearance Eligibility Flag' = "No" and 'Loan Acquired from Alternate Facility Flag' = "No" | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both Actual and Adjusted Actual sum of current balance for loans that are ineligible due to Forbearance and not Red River loans |
| Maturity - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to Original Term > client defined years | When 'Original Term (Years)' > 10 and 'Academic Program' <> "Aviation" | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both actual and adjusted actual balances of loans for which the original term is > 10 years when the academic program is anything except aviation |
| Eligible Loans - Aviation | Both | Concentration Calculation | Eligible Loans measured as a percent of current balance based on Aviation programs | When 'Eligible Loan Flag' = "Yes" (applicable to both numerator and denominator) and 'Academic Program' = "Aviation" (applicable only to numerator) | Sum('Current Balance') for applicable 'Academic Program'/ Sum('Current Balance') | NUMBER | Current Balance for Aviation programs as a percent of Current Balance (all for only eligible loans) |
| High Balance - Ineligible Balance | Both | Concentration Calculation | Balance of Loans identified as ineligible due to high balance | When 'Current Balance' >50000, 'Academic Program' <> "Aviation", and 'Loan Acquired from Alternate Facility Flag' = "No" | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Same as Actual | CURRENCY | For both Actual and Adjusted Actual balances of loans for which the loan balance is >50000 and the academic program is not Aviation |
| WA Remaining to Maturity Term (subset) | Both | Concentration Calculation | weighted average time remaining to maturity of pool of loans for a subset of academic programs as defined by client | When 'Eligible Loan Flag' = "Yes" (applicable to both numerator and denominator) and 'Academic Program' <> "Aviation" (applicable only to numerator) | SumProduct('Current Balance', 'Remaining Repayment Term') / Sum('Current Balance') | NUMBER | Excludes Aviation programs |
| Unadjusted Ineligible - Ineligible Balance | Both | Concentration Calculation | Balances of Loans identified as ineligible due to combination of all eligibility status | Actual: When 'Non Adjusted Eligible Flag' = "No" Adjusted Actual: When 'Eligible Loan Flag' = "No" | Actual: Sum ('Current Balance') when condition is met Adjusted Actual: Sum ('Current Balance') when condition is met | CURRENCY | For both Actual and Adjusted Actual balances of loans deemed ineligible based on all eligibility categories |
| WA Remaining Months in School (subset) | Both | Concentration Calculation | weighted average remaining months in school for pool of loans for a subset of academic programs as defined by client | When 'Eligible Loan Flag' = "Yes" (applicable to both numerator and denominator) and 'Academic Program' <> "Aviation" (applicable only to numerator) | SumProduct('Current Balance', 'Remaining Months in School') / Sum('Current Balance') | NUMBER | Excludes Aviation programs |
| Eligible Loans - Information Technology | Both | Concentration Calculation | Eligible Loans measured as a percent of current balance based on Information Technology programs | When 'Eligible Loan Flag' = "Yes" (applicable to both numerator and denominator) and 'Academic Program' = "Information Technology" (applicable only to numerator) | Sum('Current Balance') for applicable 'Academic Program'/ Sum('Current Balance') | NUMBER | Current Balance for IT programs as a percent of Current Balance (all for only eligible loans) |
| Vintage Mnth | Calc | Deal | TEXT | Extract month and year from 'Seasoning Start Date' in the format yyyyMMM where MMM is the first 3 characters of the month | |||
| Adjusted Balance | Calc | Deal | Outstanding Balance of an asset, bond, pool, deal, facility adjusted by a pre-determined factor | X * 0.05 | CURRENCY | X: "Oustanding Balance" Reference: Borrowing Base Calculation \ Look Through Pool Balance Check \ Adjusted Pool Balances (Series Name) - Value on the Left | |
| Collection Period Begin Date | Raw | Early Amort | The beginning date for current period collection | DATE | |||
| Data as of Date | Raw | Early Amort | 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 | |||
| Delinquency Receivable Ratio | Calc | Early Amort | Actual: X / Y Early Wind Down Threshold: 10.00% EOD Threshold: 15.00% Early Wind Down Threshold - 3 months: NULL EOD Threshold - 3 months: NULL | NUMBER | X: Delinquent - Ineligible Balance Y: Beginning Balance | ||
| Funding Date | Early Amort Assess | The current funding date for advances | DATE | ||||
| Charged-Off Ratio - EC Assess | Calc | Early Amort Assess | If X < Y then "Yes" else "No" | TEXT | X: Charged-Off Ratio (Actual) Y: Charged-Off Ratio (Early Wind Down Threshold) | ||
| Charged-Off Ratio - EC Assess 2 Months Prior | Calc | Early Amort Assess | X from prior month | TEXT | X: Charged-Off Ratio - EC Assess 1 Month Prior (prior month) | ||
| Charged-Off Ratio - EC Assess 1 Month Prior | Calc | Early Amort Assess | X from prior month | TEXT | X: Charged-Off Ratio (Actual - from prior month) | ||
| Delinquency Receivable Ratio - EC Assess | Calc | Early Amort Assess | If X < Y then "Yes" else "No" | TEXT | X: Delinquency Receivable Ratio (Actual) Y: Delinquency Receivable Ratio (Early Wind Down Threshold) | ||
| Charged-Off Ratio 3 Mnth - EC Assess | Calc | Early Amort Assess | If X = "Yes" AND Y = "Yes" AND Z = "Yes" then "Yes" else "No" | TEXT | X: Charged-Off Ratio - EC Assess Y: Charged-Off Ratio - EC Assess 1 Month Prior Z: Charged-Off Ratio - EC Assess 2 Months Prior | ||
| WA Income | Both | Eligibility Criteria | The weighted average income of underlying borrowers. | Actual: Sum (X*Y) for each loan / Sum of Y for each loan Limit: 135,000 | CURRENCY | X: Borrower Verified Income Y: Initial Unpaid Principal Balance | |
| Defaulted - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: Defaulted - Ineligible Balance (Limit) Y: Defaulted - Ineligible Balance (Actual) Z: Defaulted - Ineligible Balance (Adjusted Actual) | ||
| High Balance - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: High Balance - Ineligible Balance (Limit) Y: High Balance - Ineligible Balance (Actual) Z: High Balance - Ineligible Balance (Adjusted Actual) | ||
| Forbearance Acquired Loan - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: Forbearance Acquired Loan - Ineligible Balance (Limit) Y: Forbearance Acquired Loan - Ineligible Balance (Actual) Z: Forbearance Acquired Loan - Ineligible Balance (Adjusted Actual) | ||
| 120+ Delinquent - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: 120+ Delinquent - Ineligible Balance (Limit) Y: 120+ Delinquent - Ineligible Balance (Actual) Z: 120+ Delinquent - Ineligible Balance (Adjusted Actual) | ||
| Maturity - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: Maturity - Ineligible Balance (Limit) Y: Maturity - Ineligible Balance (Actual) Z: Maturity - Ineligible Balance (Adjusted Actual) | ||
| Concentration Limits - Ineligible Balance - EC Calc | Calc | Excess Concentrations | Actual: X - Y Adjusted Actual: NULL | CURRENCY | X: Concentration Limits - Ineligible Balance (Limit) Y: Concentration Limits - Ineligible Balance (Actual) Not applicable for Adjusted Actual | ||
| High Balance Alternate - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: High Balance Acquired Loan - Ineligible Balance (Limit) Y: High Balance Acquired Loan - Ineligible Balance (Actual) Z: High Balance Acquired Loan - Ineligible Balance (Adjusted Actual) | ||
| Low Credit Score - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: Low Credit Score - Ineligible Balance (Limit) Y: Low Credit Score - Ineligible Balance (Actual) Z: Low Credit Score - Ineligible Balance (Adjusted Actual) | ||
| Forbearance - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: Forbearance - Ineligible Balance (Limit) Y: Forbearance - Ineligible Balance (Actual) Z: Forbearance - Ineligible Balance (Adjusted Actual) | ||
| 30+ Delinquent - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: 30+ Delinquent - Ineligible Balance (Limit) Y: 30+ Delinquent - Ineligible Balance (Actual) Z: 30+ Delinquent - Ineligible Balance (Adjusted Actual) | ||
| High Balance Acquired Loan - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: High Balance Acquired Loan - Ineligible Balance (Limit) Y: High Balance Acquired Loan - Ineligible Balance (Actual) Z: High Balance Acquired Loan - Ineligible Balance (Adjusted Actual) | ||
| Ineligible School - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: Ineligible School - Ineligible Balance (Limit) Y: Ineligible School - Ineligible Balance (Actual) Z: Ineligible School - Ineligible Balance (Adjusted Actual) | ||
| Duplicate Ineligible Balance | Calc | Excess Concentrations | Sum(A,B,C,D,E,F,G,H,J,K,L,M) - X | CURRENCY | A: 30+ Delinquent - Ineligible Balance - EC Calc B: 120+ Delinquent - Ineligible Balance - EC Calc C: Defaulted - Ineligible Balance - EC Calc D: Forbearance - Ineligible Balance - EC Calc E: Forbearance Acquired Loan - Ineligible Balance - EC Calc F: Maturity - Ineligible Balance - EC Calc G: Maturity Alternate - Ineligible Balance - EC Calc H: Low Credit Score - Ineligible Balance - EC Calc J: High Balance - Ineligible Balance - EC Calc K: High Balance Acquired Loan - Ineligible Balance - EC Calc L: High Balance Alternate - Ineligible Balance - EC Calc M: Ineligible School - Ineligible Balance - EC Calc X: Unadjusted Ineligible - Ineligible Balance - EC Calc | ||
| Unadjusted Ineligible - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: Unadjusted Ineligible - Ineligible Balance (Limit) Y: Unadjusted Ineligible - Ineligible Balance (Actual) Z: Unadjusted Ineligible - Ineligible Balance (Adjusted Actual) | ||
| Maturity Alternate - Ineligible Balance - EC Calc | Both | Excess Concentrations | Actual: X - Y Adjusted Actual: X - Z | CURRENCY | X: Maturity Alternate - Ineligible Balance (Limit) Y: Maturity Alternate - Ineligible Balance (Actual) Z: Maturity Alternate - Ineligible Balance (Adjusted Actual) | ||
| Delinquency Date | Raw | Loan | Date Delinquency Occurred | DATE | |||
| Delinquency 3 Months Prior | Calc | Loan | 3 month prior delinquency category | TEXT | Record the 'Delinquency Category' for 3 months prior. So If Apr record Jan If May record Feb If Jun record Mar If Jul record Apr If Aug record May If Sep record Jun If Oct record Jul If Nov record Aug If Dec record Sep If Jan record Oct If Feb record Nov If Mar record Dec | ||
| Last Month In School | Raw | Loan | The last month the borrower is in school. | DATE | |||
| Write-off Principal Amount | Raw | Loan | Amount of Principal Loss | CURRENCY | |||
| Custom Credit Score | Raw | Loan | A custom created score which indicates an individual's capacity to repay a loan. | TEXT | |||
| Disbursement Date | Raw | Loan | The date proceeds are distributed. | DATE | |||
| Gen3 Score | Raw | Loan | NUMBER | ||||
| ACH Effective Date | Raw | Loan | DATE | ||||
| Days Past Due | Raw | Loan | The number of days in which a payment has not been made as of its due date. | NUMBER | |||
| Vantage Score | Raw | Loan | NUMBER | ||||
| Maturity Date | Raw | Loan | The date of maturity of the underlying exposure or expiry of the lease. | DATE | |||
| Citizenship Status | Raw | Loan | TEXT | ||||
| Loan Acquired from Alternate Facility Flag | Raw | Loan | A flag that indicates if the loan is included in this facility as a result of using this facility loan balance to pay of another facility loan balance | TEXT | Mapping: "0": "N" "1": "Y" | ||
| Co-Borrower Gen3 Score | Raw | Loan | NUMBER | ||||
| Monthly Free Cash Flow | Raw | 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 | |||
| On-Going Last Payment Date | Raw | Loan | The last scheduled payment date on an on-going basis. | DATE | |||
| Term Seasoning | Raw | Loan | The current number of periods from the seaonsing start date or loan start date (number of months). | NUMBER | |||
| Application ID | Raw | Loan | Unique identifier for application that gets shared to MOHELAs servicing system | TEXT | |||
| Remaining Repayment Term | Raw | Loan | The number of months remaining on a loan | NUMBER | |||
| Counter | Calc | Loan | A value to allow for CRT calculations based on count | NUMBER | Each loan/asset gets a 1 | ||
| Borrower Identifier | Raw | Loan | Unique identifier (ID) per borrower to enable borrowers with multiple loans in the pool to be identified . Should not change over the life of the transaction. If more than one borrower list the Borrower ID's comma delimited with primary borrower first. | 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 | |
| Sale Eligibility Flag | Calc | Loan | t= "Yes", f="No" | TEXT | |||
| Delinquency 1 Month Prior | Calc | Loan | Prior period delinquency category | TEXT | Record the prior period 'Delinquency Category' for each asset | ||
| Vintage Qtr | Calc | Loan | TEXT | 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 | |||
| Forbearance Reason | Raw | Loan | Deferment/Forbearance Description | TEXT | |||
| Deferment End Date | Raw | Loan | The last day of the deferment period. A period when loan payments are postponed. Interest doesn’t accrues during the period. | DATE | |||
| Estimated Negam Months | Raw | Loan | The number of months total interest due was not paid. | NUMBER | |||
| Product Type | Calc | Loan | Type of mortgage loans. | When X = Y (less "SOFI" portion of Y) | Select associated Z | TEXT | X: Series Y: Series Name Z: Product |
| Gross Coupon | Raw | Loan | Borrower interest rate before ACH discount or corporate discount / subsidy | NUMBER | |||
| Charge-Off Reason | Raw | Loan | The reason for the default of the loan. | TEXT | |||
| Non Adjusted Eligible Flag | Calc | Loan | TEXT | If the following fields are all "Yes" then 'Yes" else "No": 'Maturity Eligibility Flag' 'FICO Eligibility Flag' 'Delinquency Eligibility Flag' 'School Eligibility Flag' 'Concentration Limits Eligibility Flag' 'Principal Balance Eligibility Flag' 'Forbearance Eligibility Flag' | |||
| Custom Credit Tier | Raw | Loan | A custom defined tier to represent the rqange of credit scores that an individual falls into. | TEXT | |||
| Academic Program | Raw | Loan | Program of the institution that the borrower is attending. | TEXT | |||
| Delinquent Principal | Raw | Loan | CURRENCY | ||||
| Charged-Off Date | Raw | Loan | The default date of the loan | DATE | |||
| First Due Date | Raw | Loan | The first date on which a payment is due. | DATE | |||
| 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 | |||
| Co-Borrower Vantage Score | Raw | Loan | The vantage score of the co-borrower. | NUMBER | |||
| No FICO Score | Calc | Loan | A flag indicating there is no FICO score available for the borrower | TEXT | If there is a score in either 'FICO Score' or 'Co-borrower FICO Score', then map to "No", Else map to "Yes" | ||
| Approved Tier | Raw | Loan | The credit tier for which the loan is approved based on credit score. | TEXT | |||
| Interest to be Capitalized | Raw | Loan | Accrued interest to be capitalized for loans in a non-payment status | CURRENCY | |||
| Eligible Loan Flag | Calc | Loan | A flag indicating an asset meets all the of the key eligibility criteria of the facility. | TEXT | IF ('Principal Balance Eligibility Flag' OR 'Waiver Principal Balance Flag' is "Yes") AND ('Forbearance Eligibility Flag' OR 'Waiver Forbearance Flag' is "Yes") AND all of the following fields are "Yes" ( 'Maturity Eligibility Flag' 'FICO Eligibility Flag' 'Delinquency Eligibility Flag' 'School Eligibility Flag' 'Concentration Limits Eligibility Flag') THEN map to "Yes" ELSE map to "No" | ||
| Forbearance Eligibility Flag | Calc | Loan | A flag indicating a loan's eligibility based on the loan's forbearance status | TEXT | pull it out directly | ||
| Deferement Term | Raw | Loan | |||||
| Forbearance Status | Raw | Loan | The forbearance status of the loan. | TEXT | |||
| School | Raw | Loan | The school name of the asset. | TEXT | |||
| Initial Unpaid Principal Balance | Raw | Loan | The portion of a loan at the closing date that has not yet been remitted to the lender. | CURRENCY | |||
| Annual Percentage Rate | Raw | Loan | The periodic rate times the number of periods in a year. | NUMBER | |||
| New Flag | Calc | Loan | New asset to the pool | TEXT | If 'Facility Name' = "RRT" OR 'Facility Name' = "Ineligible", the map to "Yes" else map to "No" | ||
| 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 | |
| In School Eligibility Flag | Calc | Loan | A flag indicating the borrower is still in school | TEXT | If - 'Last Month In School' < 'Collection Period End Date' OR - 'Repayment Option' = "Full Principal and Interest Payments" OR - 'Repayment Option' = "Interest-Only Payments" then map to "No", else map to "Yes" | ||
| Days on Book | Calc | Loan | NUMBER | Funding Date' - 'Disbursement Date' (in days) | |||
| School Type | Raw | Loan | The category of a school (For-Profit, Non For-Profit, etc.) | TEXT | |||
| Underwriter Type | Raw | Loan | The type of underwriter | TEXT | |||
| FICO Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies borrowers that meet the FICO eligibility criteria. | TEXT | If 'Adjusted FICO Score' >= 600 then map to "Yes" else map to "No" | ||
| Write-Off Fees Amount | Raw | Loan | |||||
| Next Principal Payment Date | Raw | Loan | The next date on which principal payment is due | DATE | |||
| Forbearance End Date | Raw | Loan | The last day of the forebearance period. A period when loan payments are postponed (or reduced) but interest continues to accrue during the period of forbearance. | DATE | |||
| Write-off Date | Raw | Loan | Date on which loss occurs | DATE | |||
| Charged-Off Fees Amount | Raw | Loan | Fees associated with the charged off loan/process | CURRENCY | |||
| T-REX Calculated Past Due Group | Calc | Loan | Map: 0: "0" 1 - 29: "01-29" 30 - 59: "30-59" 60 - 89: "60-89" 90 - 119: "90-119" >= 120: "120+" | ||||
| Employer | Raw | Loan | The name of lendor's employer. | TEXT | |||
| OPE ID | Raw | Loan | The Office of Postsecondary Education Identification (OPE ID) number is assigned by the U.S. Department of Education | TEXT | |||
| Interest Rate Type | Raw | Loan | The interest rate type that the loan uses. | TEXT | |||
| Co-Borrower Annual Income | Raw | Loan | The annual income of the co-borrower. | CURRENCY | |||
| Zip Code | Raw | Loan | The zip code in which the collateral is located. | TEXT | |||
| Delinquency Category | Calc | Loan | Defined categories, based on source data, for delinquency | TEXT | Mapping: If "Forbearance Status" = "In_Forbearance" the "Forbearance" Else use "Days Past Due" and map as follows 'Days Past Due' < 31 -> "Current" 'Days Past Due' >= 31 and < 61 then field value = "31 - 60" 'Days Past Due' >= 61 and < 91 then field value = "61 - 90" 'Days Past Due' >= 91 and < 120 then field value = "91 - 120" 'Days Past Due' >= 121 then field value = "120+" | ||
| Co-Borrower FICO Score | Raw | Loan | The FICO Score of the co-borrower of a loan. | NUMBER | |||
| Loan Status - 1 Month Prior | Calc | Loan | loan status from prior month for given asset | Record the prior period 'Loan Status' for each asset | TEXT | ||
| Unpaid Accrued Interest Due | Raw | Loan | The interest accrued but unpaid, calculated pro rata to the number of days from the last interest payment date to the date of settlement for the OCEANEs. | CURRENCY | |||
| Monthly Vintage | Calc | Loan | EOMONTH(X) | DATE | X: Disbursement Date | ||
| Remaining Months in School | Calc | Loan | The remaining number of months the borrower will be in school. | NUMBER | Maximum of{in months ['Deferment End Date' - ('Funding Date' + 1 month)],0} | ||
| Credit Score at Origination | Raw | Loan | The credit score of the borrower at the origination of the asset. | NUMBER | |||
| Borrower Annual Income | Raw | Loan | CURRENCY | ||||
| Charged-Off Flag | Calc | Loan | Indicates if this asset has been charged off, i.e. written off and uncollectable. | IF X = "CHARGED_OFF", "Yes", "No" | TEXT | X: Loan Status | |
| State | Raw | Loan | Any State, Commonwealth or territory of the United States. | TEXT | |||
| Grace Period End Date | Raw | Loan | The last day for the grace period. A set length of time after the due date during which payment may be made without penalty. | DATE | |||
| Monthly Payment | Raw | Loan | Current monthly payment | CURRENCY | |||
| Policy Version | Raw | Loan | TEXT | ||||
| Current Channel | Raw | Loan | TEXT | ||||
| Loan Status - 3 Month Movement | Calc | Loan | 3 month movement between loan status for given asset displayed as prior_current loan status | Concatenate(X,"_",Y) | TEXT | X = "Loan Status - 3 Months Prior" Y = "Loan Status" | |
| Revolving and Delayed Draw Loan | Raw | Loan | The principal for revolving and delayed draw loans | CURRENCY | |||
| Interest Delinquency Date | Raw | Loan | The Interest Delinquency Date. | DATE | |||
| Rate Discount Amount | Raw | Loan | ACH interest rate discount received if the borrower is receiving an ACH discount | NUMBER | |||
| Initial Disbursement Date | Raw | Loan | Date the first disbursement occurred | DATE | |||
| Waiver Principal Balance Flag | Calc | Loan | TEXT | If 'Loan Acquired from Alternate Facility Flag' = "Yes" OR if 'Principal Balance Eligibility Flag' = "Yes" then map to "Yes" else map to "No" | |||
| Co-signer Flag | Raw | Loan | Yes if the loan has a cosigner; No otherwise | TEXT | Map: "Y" = "Yes" "N" = "No" | ||
| Repayment Start Date | Raw | Loan | The date a loan is eligble for repayment. | DATE | |||
| Forbearance Days Remaining | Raw | Loan | Days remaining in forbearance. | NUMBER | |||
| Loan Status - 3 Months Prior | Calc | Loan | loan status from 3 months prior for given asset | Record the 'Delinquency Category' for 3 months prior. So If Apr record Jan If May record Feb If Jun record Mar If Jul record Apr If Aug record May If Sep record Jun If Oct record Jul If Nov record Aug If Dec record Sep If Jan record Oct If Feb record Nov If Mar record Dec | 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 | |||
| Waiver Forbearance Flag | Raw | Loan | Eligibility for Forbearance | TEXT | Mapping: "0": "N" "1": "Y" | ||
| Forbearance Begin Date | Raw | Loan | DATE | ||||
| Co-Borrower Free Cash Flow | Raw | Loan | CURRENCY | ||||
| Charged-Off Interest Amount | Raw | Loan | CURRENCY | ||||
| Vintage Yr | Calc | Loan | Extract Year from Seasoning Start Date' for this field | TEXT | |||
| Rate Cap Flag | Raw | Loan | t= "Yes", f="No" | TEXT | |||
| Delinquent Accounts | Raw | Loan | NUMBER | ||||
| Business Application ID | Raw | Loan | TEXT | ||||
| Discount Eligibility Flag | Raw | Loan | Yes if borrower is eligible for a rate discount; No otherwise | TEXT | Map: "Y" = "Yes" "N" = "No" | ||
| Credit Utilization | Raw | Loan | NUMBER | ||||
| Forbearance Term | Raw | Loan | Total of months in forbearance | NUMBER | |||
| Delinquency - 1 Month Movement | Calc | Loan | the 1 month movement between delinquency categories | TEXT | Concatenate ('Delinquency 1 Month Prior' value,"_",'Delinquency Category' value) | ||
| Loan Status - 1 Month Movement | Calc | Loan | 1 month movement between loan status for given asset displayed as concatenation of prior_current loan status | Concatenate(X,"_",Y) | TEXT | X = "Loan Status - 1 Month Prior" Y = "Loan Status" | |
| Credit History | Raw | Loan | The amount of credit history by a lender. | NUMBER | |||
| Adjusted FICO Score | Calc | Loan | The adjusted FICO score of the borrower. | NUMBER | If Max('FICO Score','Co-borrower FICO Score' > 0) then take the max('FICO Score', 'Co-borrower FICO Score') else 640 | ||
| Borrower Verified Income | Raw | Loan | CURRENCY | ||||
| Number of Delinquencies | Raw | Loan | The number of delinquencies a lender has. | NUMBER | |||
| School Eligibility Flag | Raw | Loan | A flag indicating a loan's eligibility based on the school the borrower is attending | If X is found in Y then "Yes" else "No" | TEXT | X: "Institution" Y: "School/Client" Mapping: "0": "N" "1": "Y" | |
| Original Term | Raw | Loan | The length of the contract. | NUMBER | |||
| Interest Time Past Due | Raw | Loan | Number of days, months, or years interest is past due. | NUMBER | |||
| Principal Balance Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies loans that have a principal balance that meets the eligibility criteria. | TEXT | If 'Program' <> "Aviation" and 'Current Balance' < = 50000 then map to "Yes" If 'Program' = "Aviation" and 'Current Balance' <= 100000 then map to "Yes" Else map to "No" | ||
| Occupancy Type | Raw | Loan | Type of property occupancy. | TEXT | |||
| Academic Institution | Raw | Loan | School borrower is attending with the loan. | TEXT | |||
| Original Loan Amount | Raw | Loan | The original total amount of the loan | CURRENCY | |||
| Maturity Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies assets that meet the maturity eligibility criteria. | TEXT | If 'Program' <> "Aviation" and 'Accepted Term (Years)' < = 10 then map to "Yes" If 'Program' = "Aviation" and 'Accepted Term (Years)' <= 15 then map to "Yes" Else map to "No" | ||
| School Reported Flag | Raw | Loan | Whether a school is listed for each lender. | t= "Yes", f="No" | TEXT | ||
| Delinquency Eligibility Flag | Calc | Loan | Mapped to Yes/No. Identifies assets that meet the delinquency criteria. | TEXT | If 'Days Past Due' < 31 or 'Days Past Due' is NULL, then map to "Yes" else map to "No" | ||
| Income Verification Flag | Calc | Loan | t= "Yes", f="No" | TEXT | |||
| Program End Date | Raw | Loan | Program end date - related to student loans | DATE | |||
| Experience | Raw | Loan | Amount of experience from the lender. | NUMBER | |||
| Concentration Limits Eligibility Flag | Raw | Loan | A flag indicating a loan's, or pool's, eligibility based on defined concentration limits | TEXT | Mapping: "0": "No" "1": "Yes" | ||
| Asset Purchase Date | Raw | Loan | This field denotes the date at which the Asset was acquired. | DATE | |||
| Degree Level | Raw | Loan | Refers to one of the four major categories of degrees available for postsecondary students: associate, bachelor's, master's, and doctoral degrees. | TEXT | |||
| Facility Name | Raw | Loan | This field indicates the Facility in which the asset is currently held. | TEXT | |||
| Repayment Option | Raw | Loan | Repayment option at the time of origination | TEXT | |||
| Discount Applied Flag | Raw | Loan | Yes if borrower is receiving a rate discount; No otherwise | TEXT | Map: "Y" = "Yes" "N" = "No" | ||
| Use of Proceeds | Raw | Loan | Generally how borrowed money is used. | TEXT | |||
| Age | Raw | Loan | Age of the lender | NUMBER | |||
| Application Type | Raw | Loan | Type of application funded | TEXT | |||
| Graduation Date | Raw | Loan | The date the borrower graduates from their institution | DATE | |||
| Current Total Interest Capitalization | Raw | Loan | Total amount of interest Capitalization | CURRENCY | |||
| Delinquency - 3 Month Movement | Calc | Loan | the 3 month movement between delinquency categories | TEXT | Concatenate ('Delinquency 1 Month Prior' value,"_",'Delinquency Category' value) | ||
| Account Owner | Raw | Loan | TEXT | ||||
| Write-off Interest Amount | Raw | Loan | Amount of Interest Loss | CURRENCY | |||
| Gross Accrued Interest | Raw | Loan | NUMBER | ||||
| Forbearance Type | Raw | Loan | Forbearance type for loans currently subject to a forbearance arrangement | TEXT | |||
| Credit Application Date | Raw | Loan | The date on which the credit application was filed. | DATE | |||
| Original Term (Years) | Raw | Loan | The length of the contract in years | NUMBER | |||
| Accrued Interest & Fees | Raw | Pool | interest and fees accrued | CURRENCY | |||
| Eligible Balance Ratio | Calc | Pool | The percent of balance associated with eligible loans in the pool | Total Eligible Balance' / 'Outstanding Balance' | NUMBER | Limits & Triggers \ Excess Spread Components \ % Pool Eligible | |
| 60 to Current Roll Rate (Count) - 60 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on count of loans for loans that go from 90 Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "61 - 90" and 'Delinquency Category' = "Current" | (Count of # loans 'Delinquency Category' = "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "61 - 90") | NUMBER | |
| Roll Rate (Balance) - 120 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that go from 120 Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "120+" and 'Delinquency Category' <> "Current" | Sum (X) / Sum (Y) | NUMBER | X: "Current Balance" for loans with "Delinquency Category" <> "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "120+" |
| Roll Rate (Balance) - 30 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that go from 30 Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "31 - 60" and 'Delinquency Category' <> "Current" | Sum (X) / Sum (Y) | NUMBER | X: "Current Balance" for loans with "Delinquency Category" <> "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "31 - 60" |
| WA Remaining Months in School | Calc | Pool | weighted average remaining months in school for pool of loans | When 'Eligible Loan Flag' = "Yes" | SumProduct('Current Balance', 'Remaining Months in School')/'Total Eligible Balance' | NUMBER | Limits & Triggers \ Pool Overview \ WA Remaining In School Period |
| Roll Rate (Count) - 120 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on count of loans for loans that go from 120+ Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "120+" and 'Delinquency Category' <> "Current" | (Count of # loans 'Delinquency Category' <> "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "120+") | NUMBER | |
| 120 to Current Roll Rate (Balance) - 120 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that go from 120+ Day Delinquency to Current | When 'Delinquency 1 Month Prior' = "120+" and 'Delinquency Category' = "Current" | Sum (X) / Sum (Y) | CURRENCY | X: "Current Balance" for loans with "Delinquency Category" = "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "120+" |
| 60 to Current Roll Rate (Balance) - 60 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that go from 60 Day Delinquency to Current | When 'Delinquency 1 Month Prior' = "61 - 90" and 'Delinquency Category' = "Current" | Sum (X) / Sum (Y) | CURRENCY | X: "Current Balance" for loans with "Delinquency Category" = "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "61 - 90" |
| Delinquent - Ineligible Balance | Calc | Pool | Ineligible Balance due to Delinquent Receivable | When X = "DELINQUENT" | Sum(Y) | CURRENCY | X: Loan Status Y: Current Balance |
| Recovered Amount | Raw | Pool | The total recoveries (regardless of their source) on the (defaulted/charged-off/etc.) debt, net of costs. It should include all sources of recoveries, not just proceeds from the disposal of any collateral. | CURRENCY | |||
| Capitalized Interest Amount - 1 Month | Calc | Pool | Capitalized Interest as a 1 month amount | ('Reference Rate in Use' + 'Margin %') * 'In School Balance' / 12 | CURRENCY | Limits & Triggers \ Excess Spread Components \ 1 Month CAPIA | |
| Excess Spread Ratio | Calc | Pool | 'Spread Amount' / 'Average Monthly Eligible Balance' * 12 | NUMBER | Limits & Triggers \ Excess Spread Components \ Excess Spread (%) | ||
| Margin % | Raw | Pool | The original interest rate margin of the floating-rate underlying exposure over (or under, in which case input as a negative) the index rate. | NUMBER | |||
| Forbearance Ratio | Calc | Pool | The percent of balance that is in forbearance | When 'Forbearance Eligibility Flag' = "No" | Sum of 'Current Balance' for loans that meet the Forbearance criteria / 'Outstanding Balance' | NUMBER | Limits & Triggers \ Pool Overview \ Forbearance Rate |
| Commitment Amount | Raw | Pool | The total amount benefits or money that a person or entity has agreed to provide to another person or entity. | CURRENCY | |||
| Capitalized Interest Amount | Calc | Pool | capitalized interest | ('Reference Rate in Use' + 'Margin %') * 'In School Balance' * 'WA Remaining Years in School' | CURRENCY | Limits & Triggers \ Minimum Required Reserve Amount \ CAPIA | |
| In School Balance | Calc | Pool | Balance of Loans for which borrower is identified as being in school | When 'In School Eligibility Flag' = "Yes" | Sum of 'Current Balance' | CURRENCY | Limits & Triggers \ Minimum Required Reserve Amount \ In School Balance |
| Risk Share Release | Calc | Pool | The amount of risk share released to cover the default of the loan | When 'Charged-Off Date' >= 'Collection Period Begin Date' and 'Charged-Off Date' <= 'Collection Period End Date' | Sum('Risk Share Release') from the Collateral Collection | CURRENCY | Limits & Triggers \ Excess Spread Components \ Risk Share Release |
| Number of Loans | Calc | Pool | The aggregated number of loans represented in the aggregated balance. | Sum of 'Total Loans - Trust', 'New Loans Count' | NUMBER | Limits & Triggers \ Pool Overview \ Total Loans After Sale | |
| Roll Rate (Balance) - 60 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that go from 60 Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "61 - 90" and 'Delinquency Category' <> "Current" | Sum (X) / Sum (Y) | NUMBER | X: "Current Balance" for loans with "Delinquency Category" <> "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "61 - 90" |
| Total Eligible Balance | Calc | Pool | When 'Eligible Loan Flag' = "Yes" | Sum of 'Current Balance' for collateral collection for the same Request Date | CURRENCY | Limits & Triggers \ Pool Overview \ Outstanding Eligible Balance | |
| Total Loans - Trust | Calc | Pool | The total number of loans in a given trust | When 'Facility Name' = "EOT" | Count | NUMBER | Limits & Triggers \ Pool Overview \ Loans Owned by Trust |
| Roll Rate (Count) - Current | Calc | Pool | The 1 month Roll Rate based on count of loans for loans that remain current | When 'Delinquency 1 Month Prior' = "Current" and 'Delinquency Category' = "Current" | (Count of # loans 'Delinquency Category' = "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "Current") | NUMBER | |
| Aggregate Month to Date Collections | Raw | Pool | The total sum of collections for the month. | CURRENCY | |||
| WA Remaining Years in School | Calc | Pool | weighted average remaining time in school for a pool expressed in years | 'WA Remaining Months in School' / 12 | NUMBER | Limits & Triggers \ Minimum Required Reserve Amount \ Mo. In School / 12 | |
| 30 to Current Roll Rate (Balance) - 30 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that go from 30 Day Delinquency to Current | When 'Delinquency 1 Month Prior' = "31 - 60" and 'Delinquency Category' = "Current" | Sum (X) / Sum (Y) | CURRENCY | X: "Current Balance" for loans with "Delinquency Category" = "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "31 - 60" |
| 120 to Current Roll Rate (Count) - 120 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that remain Current | When 'Delinquency 1 Month Prior' = "120+" and 'Delinquency Category' = "Current" | (Count of # loans 'Delinquency Category' = "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "120+") | NUMBER | |
| In School Ratio | Calc | Pool | The percent of balance that is associated with loans for which the borrower is in school | 'In School Balance' / 'Outstanding Balance' | NUMBER | Limits & Triggers \ Minimum Required Reserve Amount \ In School % | |
| WA Remaining to Maturity Term | Calc | Pool | weighted average time remaining to maturity of pool of loans | When 'Eligible Loan Flag' = "Yes" | SumProduct('Remaining to Maturity Term', 'Current Balance') / 'Total Eligible Balance' | NUMBER | Limits & Triggers \ Pool Overview \ WA Remaining Term Until Maturity |
| Roll Rate (Balance) - 90 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that go from 90 Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "91 - 120" and 'Delinquency Category' <> "Current" | Sum (X) / Sum (Y) | NUMBER | X: "Current Balance" for loans with "Delinquency Category" <> "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "91 - 120" |
| Excess Spread Amount | Calc | Pool | Sum('Aggregate Month to Date Collections', 'Recovered Amount', 'Risk Share Release', 'Capitalized Interest Amount - 1 Month') - Sum('Charged-Off Principal Amount', 'Accrued Interest & Fees') | CURRENCY | Limits & Triggers \ Excess Spread Components \ Excess Spread ($) | ||
| WA Effective Interest Rate | Calc | Pool | The current balance weighted average effective rate of interest, after accounting for any fees or other haircuts. | When 'Eligible Loan Flag' = "Yes" | SumProduct('Current Balance', 'Annual Percentage Rate') / 'Total Eligible Balance' | NUMBER | Limits & Triggers \ Pool Overview \ WA Interest Rate Eligible |
| 30 to Current Roll Rate (Count) - 30 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on count of loans for loans that go from 30 Day Delinquency to Current | When 'Delinquency 1 Month Prior' = "31 - 60" and 'Delinquency Category' = "Current" | (Count of # loans 'Delinquency Category' = "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "31 - 60") | NUMBER | |
| New Loans Count | Calc | Pool | The number of newly added loans to a pool | Count of all loans (using 'Name' field to count) - 'Total Loans - Trust' | NUMBER | Limits & Triggers \ Pool Overview \ New Loans Added | |
| Minimum Required Reserve Amount | Calc | Pool | minimum required reserve amount - total | Capitalized Interest Amount' + 'Reserve Account Required Amount' | CURRENCY | Limits & Triggers \ Minimum Required Reserve Amount \ Minimum Required Reserve Amount | |
| WA Month on Book | Calc | Pool | weighted average time on book expressed in months for a pool of loans | When 'Eligible Loan Flag' = "Yes" | (SumProduct('Current Balance', 'Days on Book') / 'Total Eligible Balance')/30 | NUMBER | Limits & Triggers \ Pool Overview \ WA Month on Book |
| Reserve Account Required Amount | Calc | Pool | reserve account requirement | Reserve Account Required Percent' * 'Commitment Amount' | CURRENCY | Limits & Triggers \ Minimum Required Reserve Amount \ Reserve Account Requirement | |
| 90 to Current Roll Rate (Count) - 90 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on count of loans for loans that go from 90 Day Delinquency to Current | When 'Delinquency 1 Month Prior' = "91 - 120" and 'Delinquency Category' = "Current" | (Count of # loans 'Delinquency Category' = "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "91 - 120") | NUMBER | |
| Roll Rate (Count) - 90 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on count of loans for loans that go from 90 Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "91 - 120" and 'Delinquency Category' <> "Current" | (Count of # loans 'Delinquency Category' <> "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "91 - 120") | NUMBER | |
| Reference Rate Determination Date | Raw | Pool | The date on which the reference rate is based (such as LIBOR) | DATE | |||
| 90 to Current Roll Rate (Balance) - 90 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that go from 90 Day Delinquency to Current | When 'Delinquency 1 Month Prior' = "91 - 120" and 'Delinquency Category' = "Current" | Sum (X) / Sum (Y) | CURRENCY | X: "Current Balance" for loans with "Delinquency Category" = "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "91 - 120" |
| Average Monthly Outstanding Balance | Raw | Pool | Average monthly outstanding balance of a pool of loans | CURRENCY | |||
| Roll Rate (Balance) - Current | Calc | Pool | The 1 month Roll Rate based on current balance of loans for loans that remain Current | When 'Delinquency 1 Month Prior' = "Current" and 'Delinquency Category' = "Current" | Sum (X) / Sum (Y) | NUMBER | X: "Current Balance" for loans with "Delinquency Category" = "Current" Y: "Current Balance" for loans with "Delinquency 1 Month Prior = "Current" |
| Roll Rate (Count) - 30 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on count of loans for loans that go from 30 Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "31 - 60" and 'Delinquency Category' <> "Current" | (Count of # loans 'Delinquency Category' <> "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "31 - 60") | NUMBER | |
| Average Monthly Eligible Balance | Calc | Pool | The average monthly balance of eligible loans in a pool | Eligible Balance Ratio' * 'Average Monthly Outstanding Balance' | CURRENCY | Limits & Triggers \ Excess Spread Components \ Average Monthly Eligible Balance | |
| Reference Rate in Use | Calc | Pool | The identified reference rate (LIBOR, etc) for use in Pool calculations | Maximum of ('LIBOR', 0.01) | NUMBER | Limits & Triggers \ Minimum Required Reserve Amount \ LIBOR in Use | |
| Roll Rate (Count) - 60 Day 1 Month | Calc | Pool | The 1 month Roll Rate based on count of loans for loans that go from 60 Day Delinquency to any other delinquency category | When 'Delinquency 1 Month Prior' = "61 - 90" and 'Delinquency Category' <> "Current" | (Count of # loans 'Delinquency Category' <> "Current" )/ (Count of # loans 'Delinquency 1 Month Prior' = "61 - 90") | NUMBER | |
| Reserve Account Required Percent | Raw | Pool | Percentage of Commitment Account or other base amount by which reserve account is determined | NUMBER | |||
| Prior Request Date | Raw | Pool Adjustment | DATE | ||||
| Payment Date | Raw | Pool Adjustment | payment date | DATE | |||
| Cut Off Date | Raw | Pool Adjustment | |||||
| Request Date | Raw | Product | The date of a Lending Facility draw request | DATE | |||
| Loan Balance Added | Raw | Product | Total Loan balance added to a specific product type, pool, or other collection of assets during a reporting period | CURRENCY | Private Education Loan Notes - map to fields in section "Par Value of All Eligible Notes at Settlement" Private Education Loan Certificates - map to fields in section "Par Value of All Eligible Pass-Through Certificates" | ||
| Par Value - Eligible Assets | Calc | Product RR Advance | Ending balance net payments received and other credits to offset. | X | CURRENCY | X: "Ending Balance" Reference: Borrowing Base \ Borrowing Base Calculation \ Par Value of All Eligible...at Settlement | |
| Ending Balance | Calc | Product RR Advance | The balance from the beginning of the period adjusted for any principal distribution or adjustment made over the period. | Round to 2 decimals (X + Y + Z) | CURRENCY | X: "Beginning Balance" Y: "Loan Balance Added" Z: "Loan Balance Removed" Reference: Borrowing Base \ Borrowing Base Calculation \ Par Value of All Eligible xxx at End of Collection Period | |
| Loan Balance Removed | Calc | Product RR Advance | Total Loan balance removed from a specific product type, pool, or other collection of assets during a reporting period. | Private Education Loans: X = "SL", Y <> "PT" Private Education Loan Pass-Through Certificates: X = "SL", Y = "PT" Consumer Loan Notes: X = "PL" | Round to 2 decimals (Sum Z for all entries meeting associated conditions) | CURRENCY | X = "Class" Y = "Product" Z = "Current Value" Reference: Borrowing Base \ Borrowing Base Calculation \ Par Value Sections \ ...Removed... |
| Amount Financed - 2 Months Prior | Raw | Vintage | Capture 2 months prior X Begin capture in 12/31/2019 | CURRENCY | X: Amount Financed | ||
| Quarterly Vintage | Calc | Vintage | Quarterly Vintage - a static version of the Vintage Qtr used in most data facilities.\ | Assign the year and quarter based on the Name 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 | X: Name | |
| Amount Financed - 1 Month Prior | Raw | Vintage | Capture prior month X Begin capture in 12/31/2019 | CURRENCY | X: Amount Financed | ||
| Defaulted Receivables Balance - 3 Mnth Avg | Calc | Vintage | (A+B+C) / (D+E+F) | CURRENCY | 10/31/2019 and 11/30/2019 are NULL. Calc starts with 12/31/2019 A: Cumulative Defaulted Receivables Balance B: Defaulted Receivables Balance - 1 Month Prior C: Defaulted Receivables Balance - 2 Months Prior D: Amount Financed E: Amount Financed - 1 Month Prior F: Amount Financed - 2 Months Prior | ||
| Amount Financed | Calc | Vintage | The actual amount of credit made available to a borrower in a loan; the total amount of credit a borrower is approved for from a lender. | When X = Y | Sum(Z) | CURRENCY | X: Monthly Vintage Y: Name Z: Initial Unpaid Principal Balance |
| Cumulative Defaulted Receivables Balance | Calc | Vintage | When Y = Z | Sum(W) | CURRENCY | Y: Monthly Vintage Z: Name W: Charged-Off | |
| Defaulted Receivables Balance - 2 Months Prior | Raw | Vintage | Capture 2 months prior X Begin capture in 12/31/2019 | CURRENCY | X: Cumulative Defaulted Receivables Balance | ||
| Defaulted Receivables Balance - 1 Month Prior | Raw | Vintage | Capture prior month X Begin capture in 12/31/2018 | CURRENCY | X: Cumulative Defaulted Receivables Balance |