IncomeXpert uses roles and permissions to allow clients to control editing access to loans. If you are unable to edit income fields, or select different income averages it is due to one or more permissions not being set for the role you are assigned.
Lock For Underwriting Permission
IncomeXpert has a Lock for Underwriting feature which will restrict users who do not have this permission from editing the loan file. The lock for underwriting can be set on the Borrower page in the upper right hand corner.
Effective July 1, 2022 all files created on or after this date will change the way the income on the loan is set. Currently IncomeXpert only recommends an income value by highlighting it in blue. After July 1, 2022 IncomeXpert will force the selection of the recommended value until the Lock for Underwriting flag is set on the Blueprint loan file.
In the image above the pre-July 1, 2022 behavior is shown. The user has selected the 1yr average even though the 2yr average is recommended.
Loans created in Blueprint after July 1, 2022 will have a new behavior. Prior to the Lock for Underwriting flag being set, all users, regardless of their permission level will be forced to take the recommended value indicated in blue.
To set the Lock for Underwriting the user must have the correct permission to do so. On the borrower page there is a checkbox where the Lock for Underwriting flag can be set.
Refer to this article on setting Roles and Permissions for users.
Once the Lock for Underwriting flag is set, the ability to adjust the radio buttons to a selection different than the recommended value is unlocked for some users. Users with the Lock for Underwriting permission will be allowed to edit the income radio button. Users without the Lock for Underwriting permission will not be allowed to change the radio button selection.
At all times Blueprint will continue to make income recommendations based on the current data in the loan file. The determination of the recommended income will not be impacted by the user, role, or permissions they hold. All users will get the same recommendation, this change only impacts the user’s ability to deviate from the recommendation.