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1.1 Financial Services Creatio changelog

Release date:

This document details the technical changes and enhancements introduced in Financial Services Creatio 1.1. It is intended for developers, system administrators, and DevOps engineers responsible for maintaining and extending Creatio customizations.

For a comprehensive overview of the new features, refer to the 1.1 Financial Services Creatio release notes.

The update guide for the on-site applications is available in a separate article.

Finserv Contact Management​

Feature

Status

Description

Households section

Added

Added a Households section that lets you group related contacts into households, manage relationships, and view household participation directly from the contact page. This change enhances financial planning, improves relationship management, and supports advisory services that require household-level insights.

More details

Added:

  • A "Contact in household" (ContactInHousehold code) object that links contacts to households.
  • A Households expansion panel to the Contact info tab of the contact page. The panel displays the household history of the contact.
  • A Household field to the Legal & identification profile. The field links the contact to related households.

Credit reports

Added

Added support for storing and managing credit report data directly in Creatio. Each report maintains structured links to tradelines, collections, public records, inquiries, and alerts, ensuring full visibility into a customer's credit history. This change establishes a foundation for integrated credit data management and future financial analysis and decisioning extensions.

More details

Added:

  • "Credit report mini page" (CreditReport_MiniPage code) client module that displays credit report data on the Report overview and Credit file details tabs.
  • "Credit report alert" (CreditReportAlert code) object that displays linked alert data in the Alerts expansion panel on the Report overview tab.
  • "Credit report" (CreditReport code) object that displays core credit report information in the Report details expansion panel on the Report overview tab.
  • "Tradeline" (Tradeline code) object that displays linked tradeline data in the Tradelines expansion panel on the Credit file details tab.
  • "Collection" (CollectionAccount code) object that displays collection account data in the Collections expansion panel on the Credit file details tab.
  • "Public record" (PublicRecord code) object that displays linked public record data in the Public records expansion panel on the Credit file details tab.
  • "Credit inquiry" (CreditInquiry code) object that displays linked credit inquiry data in the Credit inquiries expansion panel on the Credit file details tab.
  • "Update credit report from credit report alert" business process that populates alert-related fields on the "Credit report mini page" (CreditReport_MiniPage code) window based on the column values in the Alerts expansion panel of the Report overview tab.

Contact page

Changed

Added functionality that stores and manages significant customer life events directly on the contact page. The integrated AI logic generates actionable insights for important events automatically. This change enables capturing key milestones, identifying timely engagement opportunities, anticipating customer needs, and strengthening advisory services.

More details

Added:

  • "Customer life event" (CustomerLifeEvent code) object to store and manage life events.
  • Life events expansion panel to the Contact info tab of the contact page. The panel replaces the Noteworthy events expansion panel and displays contact life events.
  • "AI insights and alerts. Detect customer life event" business process that generates AI insights and alerts. Creatio runs the process when a life event is marked with Action to trigger = Alerts.

Contact page

Changed

Added a dedicated mini page to manage contact addresses directly from the Addresses expansion panel in the Contact info tab of the contact page. This change simplifies address entry and updates, ensures consistent address management across the environment, and improves customer profiling.

Contact page

Changed

Added the "Number of dependents" (NumberOfDependents code) column to the "Contact" (Contact code) object. The Number of dependents field is displayed out of the box in the Personal & business details expansion panel on the Contact info tab of the contact page. This change enables more precise customer profiling for financial planning and product suitability.

Contact incomes

Changed

Improved the core financial data model to introduce a unified structure for managing contact incomes, ensuring consistent versioning, verification, and traceability of financial records. This change enhances auditability, simplifies maintenance, and standardizes financial data handling across incomes.

More details

  • Added:

    • "Currency" (Currency code), "End date" (EndDate code), "Rejection reason" (RejectionReason code), "Source record Id" (SourceRecordId code), "Source type" (FinDataSourceType code), "Start date" (StartDate code), "Verification date" (VerificationDate code), "Verification status" (FinDataVerificationStatus code), "Verified by" (VerifiedBy code) columns to the "Contact income" (ContactIncome code) object. The "Currency," "End date," "Start date," "Verification date," "Verification status," and "Verified by" columns are displayed out of the box in the Income expansion panel on the Financial summary tab of the contact page.
    • "Contact income mini page" (ContactIncome_MiniPage code) mini page to edit incomes. The page calls the "Contact income versioning" business process on save to manage versioning.
    • "Create contact income mini page" (CreateContactIncome_MiniPage code) mini page to add incomes.
    • "Populate contact income name" business process that generates the income name based on the income type automatically.

  • Removed:

    • "Is taxable" (TaxableStatus code) column from the "Contact income" (ContactIncome code) object
    • unused "Continuous" and "Variable" values from the Frequency lookup

Contact expenses

Changed

Improved the core financial data model to introduce a unified structure for managing contact expenses, ensuring consistent versioning, verification, and traceability of financial records. This change enhances auditability, simplifies maintenance, and standardizes financial data handling across expenses.

More details

  • Added:

    • "Currency" (Currency code), "End date" (EndDate code), "Rejection reason" (RejectionReason code), "Source record Id" (SourceRecordId code), "Source type" (FinDataSourceType code), "Start date" (StartDate code), "Verification date" (VerificationDate code), "Verified by" (VerifiedBy code) columns to the "Contact expense" (ContactExpense code) object. The "Currency," "End date," "Start date," "Verification date," "Verification status," and "Verified by" columns are displayed out of the box in the Expenses expansion panel on the Financial summary tab of the contact page.
    • "Create contact expense mini page" (CreateContactExpense_MiniPage code) mini page to edit expenses. The page calls the "Contact expense versioning" business process on save to manage versioning.
    • "Contact expense mini page" (PopulateContactExpenseName code) mini page to add expenses.
    • "Populate contact expense name" business process that generates the expense name based on the expense type automatically.

  • Removed the unused "Continuous" and "Variable" values from the Frequency lookup.

Contact liabilities

Changed

Improved the core financial data model to introduce a unified structure for managing contact liabilities, ensuring consistent versioning, verification, and traceability of financial records. This change enhances auditability, simplifies maintenance, and standardizes financial data handling across liabilities.

More details

  • Added:

    • "Currency" (Currency code), "End date" (EndDate code), "Rejection reason" (RejectionReason code), "Source record Id" (SourceRecordId code), "Source type" (FinDataSourceType code), "Start date" (StartDate code), "Verification date" (VerificationDate code), "Verification status" (FinDataVerificationStatus code)," "Verified by" (VerifiedBy code) columns to the "Contact liability" (ContactLiability code) object. The "Currency," "End date," "Start date," "Verification date," "Verification status," and "Verified by" columns are displayed out of the box in the Liabilities expansion panel on the Financial summary tab of the contact page.
    • "Contact liability mini page" (ContactLiability_MiniPage code) mini page to edit liabilities. The page calls the "Contact liability versioning" business process on save to manage versioning.
    • "Create contact liability mini page" (CreateContactLiability_MiniPage code) mini page to add liabilities.
    • "Populate contact liability name" business process that generates the liability name based on the liability type automatically.

  • Removed the unused "Continuous" and "Variable" values from the Frequency lookup.

Contact assets

Changed

Improved the core financial data model to introduce a unified structure for managing contact assets, ensuring consistent versioning, verification, and traceability of financial records. This change enhances auditability, simplifies maintenance, and standardizes financial data handling across assets.

More details

Removed the "Is taxable" (TaxableStatus code) column from the "Contact asset" (ContactAsset code) object.

Evaluation management

Changed

Improved evaluation management to increase transparency, automation, and reusability in the KYC evaluation process. This change strengthens the consistency of verification data, extends traceability, and provides better tools for managing evaluations.

More details

  • Added:

    • Verification status field to the contact profile on the contact page. Creatio populates the field automatically based on evaluation outcomes.
    • "Risk score" (RiskScore code) column to the "Contact" (Contact code) object. Previously, the column was added to the "Evaluation history" (EvaluationHistory code) object only. Creatio populates the "Risk score" widget automatically based on evaluation outcomes.
    • "Purpose" (EvaluationPurpose code) column to the "Evaluation history" (EvaluationHistory code) object. The column references the new "Evaluation purpose" (EvaluationPurpose code) object.
    • "Deactivation reason" (EvaluationDeactivationReason code) column to the "Evaluation history" (EvaluationHistory code) object. The column references the new "Evaluation deactivation reason" (EvaluationDeactivationReason code) object.
    • "Processing" and "Pending approval" statuses to the Evaluation statuses lookup to support underwriting flows.
    • Evaluation log tab to the Evaluation history window to store chronological status transitions.
    • "Evaluation date" (EvaluationDate code), "Evaluator" (Evaluator code), "Execution type" (ExecutionType code), "Name" (Name code), "Requires manual override" (RequiresOverride code) "Role" (Role code) columns to the "Evaluation check history" (EvaluationCheckHistory code) object.
    • Execution type filter to the Evaluation history window to improve usability and traceability.
    • "Update contact verification status" (IsUpdateContactVerificationStatus code) column to the "Evaluation" (Evaluation code) object.
    • "Contact verification status" (ContactVerificationStatus code) column to the "Evaluation status" (EvaluationStatus code) object.

  • Changed:

    • The Lookup property value in the Data source property block of Object Designer from the "EvaluationStatus" to "EvaluationCheckStatus" for the "Status" (CheckStatus code) column in the "Evaluation check history" (EvaluationCheckHistory code) object.
    • "Generate evaluation for contact" business process to pass the purpose during evaluation creation
    • "Deactivate old evaluation history per contact" business process to set deactivation reason on evaluation deactivation

  • Enforced activation scope rules so that only one evaluation of the same type can remain active per contact or application. The functionality is managed by the "Activation scope" (ActivationScope code) column in the "Evaluation" (Evaluation code) object.

  • Selected the Enable live data update checkbox in the Behavior property block of Object Designer for the "Evaluation check history" (EvaluationCheckHistory code) object.

Document management

Changed

Modified the list of values in the Document types lookup. This change ensures forward consistency and improved compliance.

More details
  • Added a "Compliance document" type.
  • Set the "Inactive" column value to "Yes" (deactivated) for the deprecated "Bank resolution" type.

The change affects only new documents. All existing documents remain unaffected.

Document classification

Changed

Modified the list of values in the Document classes lookup. Users can now classify documents with a broader set of options that reflect real-world financial and regulatory documentation needs. This change improves flexibility, ensures compliance with lending and insurance workflows, and enables more accurate categorization of customer documentation.

More details

Added classes:

  • "Personal data consent" and "Credit bureau consent" to the "Consumer consent" group of the "Compliance document" type
  • "Credit report disclosure notice" and "Adverse action notice" to the "Credit decision notice" group of the "Compliance document" type
  • "Credit authorization form" to the "Authorization document" group of the "Contracts & Agreements" type
  • "DMV title application" and "Lienholder agreement" to the "Collateral agreement" group of the "Contracts & Agreements" type
  • "ACH authorization form" to the "Disbursement authorization" group of the "Contracts & Agreements" type
  • "Loan agreement" to the "Financial account agreement" group of the "Contracts & Agreements" type
  • "Consent to electronic disclosures" to the "Terms & Conditions / Policy acceptance" group of the "Contracts & Agreements" type
  • "Proof of insurance," "Purchase agreement," "Vehicle title" to the "Collateral verification" group of the "Customer document" type
  • "Proof of residence" to the "Residence verification" group of the "Customer document" type
  • "Bank statements" and "Employment verification" to the "Income verification" group of the "Customer document" type

Configuration section

Changed

Removed the deprecated "Taxable status" (TaxableStatus code) object.

Finserv Product Catalog Management​

Feature

Status

Description

Product catalog

Changed

Modified the list of values in the Product categories lookup. This change improves categorization and naming consistency across financial products to reflect industry standards better.

More details

  • Added "Auto & home loans," "Business loans," "Credit cards & lines of credit," "Insurance products," "Product bundles/packages" categories.

  • Renamed the following categories:

    • "Retail deposit accounts" to "Deposit accounts"
    • "Investment & wealth accounts" to "Investment & retirement accounts"
    • "Digital & payment accounts" to "Payments & digital services"
    • "Loan & credit accounts" to "Personal loans"
    • "Treasury & liquidity management accounts" to "Treasury management services"
    • "Specialized & trust accounts" to "Trust & fiduciary accounts"

    This change affects only new environments. All existing environments will remain unaffected when upgrading to version 1.1.

  • Removed the "Business deposit accounts" category. This change affects only new environments. All existing environments will remain unaffected when upgrading to version 1.1.

Product catalog

Changed

Modified the list of values in the Product types lookup. This change improves categorization and naming consistency across financial products to reflect industry standards better.

More details

  • Added types:

    • "Home Equity Lines of Credit (HELOCs)" and "Home equity loans" for the "Auto & home loans" category
    • "Business term loans" and "Commercial real estate loans" for the "Business loans" category
    • "Commercial insurance" and "Personal insurance" for the "Insurance products" category
    • "Bill pay & P2P transfers" and "Debit cards" for the "Payments & digital services" category
    • "Secured personal loans" and "Student loans" for the "Personal loans" category
    • "Bundled offerings" for the "Product bundles/packages" category
    • "ACH & Wire transfer services," "Letters of credit," "Lockbox services" for the "Treasury management services" category
    • "Estate accounts," "Other fiduciary accounts," "Trust accounts" for the "Trust & fiduciary accounts" category

  • Renamed types:

    • "Auto & Vehicle loan" to "Auto loans"
    • "Mortgage loan" to "Mortgage loans"
    • "Credit & Revolving credit" to "Lines of credit"
    • "Savings accounts" to "Savings accounts & money market accounts"
    • "Personal loan" to "Unsecured personal loans"

    This change affects only new environments. All existing environments will remain unaffected when upgrading to version 1.1.

  • Changed the category of the following types:

    • "Auto loans," "Mortgage loans": "Auto & home loans" instead of "Personal loans"
    • "Lines of credit": "Credit cards & lines of credit" instead of "Personal loans"
    • "Escrow accounts": "Deposit accounts" instead of "Business deposit accounts"
    • "Health savings accounts (HSAs)," "Education savings accounts (529 plans)": "Investment & retirement accounts" instead of "Trust & fiduciary accounts"

  • Removed the "Business checking accounts," "Cash concentration accounts," "Business savings accounts," "Prepaid card accounts," "Money market accounts (MMA)" types. This change affects only new environments. All existing environments will remain unaffected when upgrading to version 1.1.

Product catalog

Changed

Modified the list of values in the Product subtype lookup. This change improves categorization and naming consistency across financial products to better reflect industry standards.

More details

  • Added subtypes:

    • "Lump sum loans" for the "Home equity loans" type of the "Auto & home loans" category
    • "Commercial real estate," "Equipment loan," "SBA loans" for the "Business term loans" type of the "Business loans" category
    • "Office property loan," "Retail property loan" for the "Commercial real estate loans" type of the "Business loans" category
    • "Co-branded credit card" and "Rewards credit card" for the "Credit cards" type of the "Credit cards & lines of credit" category
    • "Business CDs" and "Personal CDs" for the "Certificates of deposit (CDs)" type of the "Deposit accounts" category
    • "Business checking" and "Personal checking" for the "Checking accounts (DDA)" type of the "Deposit accounts" category
    • "Escrow holding account" for the "Escrow accounts" type of the "Deposit accounts" category
    • "High yield saving," "Money market account," "Regular savings" for the "Savings accounts & money market accounts" type of the "Deposit accounts" category
    • "Business property insurance" and "Commercial auto insurance" for the "Commercial insurance" type of the "Insurance products" category
    • "Auto insurance," "Homeowners insurance," "Life insurance" for the "Personal insurance" type of the "Insurance products" category
    • "Roth 401(k)" and "Traditional 401(k)" for the "401(k) accounts" type of the "Investment & retirement accounts" category
    • "Standard investment account" for the "Brokerage accounts" type of the "Investment & retirement accounts" category
    • "Roth IRA" and "Traditional IRA" for the "IRAs" type of the "Investment & retirement accounts" category
    • "Government (Federal) loan" and "Private student loan" for the "Student loans" type of the "Personal loans" category
    • "Home improvement loan" for the "Unsecured personal loans" type of the "Personal loans" category
    • "Small business starter package" and "Student financial package" for the "Bundled offerings" type of the "Product bundles/packages" category
    • "Living trust" and "Testamentary trust" for the "Trust accounts" type of the "Trust & fiduciary accounts" category

  • Renamed subtypes:

    • "Lease buyout loan" to "Lease buyout"
    • "Home equity line of credit (HELOC)" to "Business credit card"
    • "Motorcycle loan" to "Used car loan"
    • "Secured personal loan" to "Medical expenses loan"
    • "FHA / VA / USDA loans" to "Government-backed mortgage (FHA/VA)"
    • "Credit card" to "Personal credit card"
    • "Auto loan" to "New car loan"
    • "Personal line of credit (LOC)" to "Personal LOC"
    • "Unsecured personal loan" to "Collateral-based loan"
    • "Overdraft protection loan" to "Business LOC"
    • "Wedding / Vacation / Special purpose loan" to "Government (Federal) loan"

    This change affects only new environments. All existing environments will remain unaffected when upgrading to version 1.1.

  • Changed the type of the following subtypes:

    • "Business credit card," "Personal credit card": "Credit cards" instead of "Lines of credit"
    • "Government (Federal) loan": "Student loans" instead of "Unsecured personal loans"

  • Removed the "Buy-to-let mortgage," "Equity release / reverse mortgage," "RV / Boat / Recreational vehicle loan" subtypes. This change affects only new environments. All existing environments will remain unaffected when upgrading to version 1.1.

Document classification

Changed

Modified the list of values in the Document groups lookup. This change improves control over the setup of document packages and supports compliance and operational scenarios.

More details

Added:

  • "Available in document in package" (AvailableInDocListInCondition code) column to the "Document group" (DocListGroup code) object. The column determines whether the selected group can be used during the setup of required document packages.
  • "Consumer consent" and "Credit decision notice" groups for the "Compliance document" type
  • "Collateral agreement" and "Disbursement authorization" groups for the "Contracts & Agreements" type
  • "Collateral verification" and "Residence verification" groups for the "Customer document" type

Document in package page

Changed

Improved the Document in package page for better usability and ensured compliance during package setup. To open the page, go to the product page → Product information tab → Product details expansion panel → add or select a document → Documents package tab → Document in package expansion panel → add or select a document.

More details

Added static filtering for Document type, Document group, and Document class fields based on the values in the newly added "Available in document package" (AvailableInDocListInCondition code) column in the "Document type" (DocumentType code) and "Document group" (DocListGroup code) objects. The page now displays only classification values explicitly enabled for package use, which reduces clutter, prevents invalid selections, and ensures stricter compliance.

Finserv Account Management​

Feature

Status

Description

Households section

Added

Improved the household page to provide a consolidated financial view across all household members. This change improves decision-making, enhances transparency, and supports proactive financial planning.

More details

Added:

  • "Active members," "Total bank account balance," "Total loan outstanding" metrics to the General information tab.
  • Financial summary tab that aggregates financial data across all household members and includes the Bank accounts, Loans, and Transactions expansion panels.

AI Skills

Changed

Added a "Transaction patterns" API AI Skill that analyzes recent financial activity to detect significant behavioral trends such as spending spikes, unusual inactivity, or recurring transfers. Out of the box, deactivated. When activated, the skill is run on a recurring schedule and produces insights displayed in the AI insights and alerts expansion panel on the Overview tab of the contact page. Typical use cases include early detection of financial distress, highlighting unusual activity for compliance review, and flagging opportunities for personalized product offers.

More details

Added an "AI insights and alerts. Detect transaction patterns" business process required for the "Transaction patterns" AI Skill.

AI Skills

Changed

Added an "Unusual transaction detection" API AI Skill that evaluates transactions against configurable thresholds to identify unusual financial activity. Out of the box, deactivated. When activated, the skill is run daily and produces insights displayed in the AI insights and alerts expansion panel on the Overview tab of the contact page. Typical use cases include early fraud detection, compliance review of high-value transactions, and proactive engagement with customers showing unusual spending behavior.

More details

Added an "AI insights and alerts. Detect unusual transactions" business process required for the "Unusual transaction detection" AI Skill.

Loans section

Changed

Improved the Loans section to increase consistency, usability, and compliance support.

More details

  • Added:

    • New fields to the loan page. The fields store detailed loan information.
    • Dynamic layouts on the loan page for the "Auto loans," "Credit cards," "Lines of credit," "Unsecured personal loans" types. Relevant expansion panels are now displayed automatically.

  • Renamed:

    • Opening date field to Opened on on the General information tab.
    • Name field to Number on the loan profile.
    • Installment information expansion panel to Installment details. The panel is now displayed for the relevant loan types only.

  • Changed:

    • The Lookup property value in the Data source property block of Object Designer from the "InstallmentFrequency" to "Frequency" for the "Installment frequency" (Frequency code) column in the "Loan" (Loan code) object.
    • The Displayed value property value in the Object settings property block of Object Designer from "Name" to "Number" for the "Loan" (Loan code) object.

  • Moved the Product field from the General information tab to the loan profile.

  • Removed the deprecated "Installment frequency" (InstallmentFrequency code) object. If existing environments on version 1.0 use this object, Creatio notifies you about deprecated object when upgrading to version 1.1.

Insurances section

Changed

Improved the Insurances section to ensure consistency with loans and other financial products. This change simplifies configuration and reduces duplication across the instance.

More details
  • Changed the Lookup property value in the Data source property block of Object Designer from the deprecated "PremiumFrequency" to "Frequency" for the "Premium frequency" (Frequency code) column in the "Insurance" (Insurance code) object.
  • Removed the deprecated "Premium frequency" (PremiumFrequency code) object. If existing environments on version 1.0 use this object, Creatio notifies you about deprecated object when upgrading to version 1.1.

Bank account page

Changed

Improved the bank account page to focus exclusively on deposit-related accounts.

More details

  • Added:

    • Savings accounts details expansion panel to the General information tab. The panel is available for the "Savings accounts & money market accounts" type.
    • Checking account details expansion panel to the General information tab. The panel is available for the "Checking accounts (DDA)" type.
    • Certificate of deposit details expansion panel to the General information tab. The panel is available for the "Certificates of deposit (CDs)" type.

  • Renamed:

    • Financial accounts section to Bank accounts
    • Account type field to Type
    • Financial account info tab to General information
    • Previously deprecated Type field to Type (deprecated).

Card management

Changed

Added a dedicated mini page to manage card-to-bank account connections directly from the Linked bank accounts expansion panel in the General information tab of the card page. This change simplifies navigation, ensures consistent linkage, and improves visibility of financial relationships.

More details

Added a "Cards and bank accounts connection mini page" (BankCardBankAccount_MiniPage code) client module that implements the mini page.

Card management

Changed

Added a dedicated mini page to manage connected cards directly from the Linked cards expansion panel in the General information tab of the card page. This change streamlines the process of adding or updating supplementary and related cards, reduces navigation effort, and improves data consistency. It also supports better visibility and control of card hierarchies within customer accounts.

More details

Added a "Connected cards mini page" (BankCardRelated_MiniPage code) client module that implements the mini page.

Card page

Changed

Improved the card page to streamline navigation and introduce product-specific details. This change enhances data accuracy, enriches customer information, and supports better card lifecycle management.

More details

  • Added:

    • "Full number" (FullNumber code) column to the "Card" (BankCard code) object. The Full number field stores the full card number for search and validation purposes, while the Masked number field stores the masked card number.
    • Contact field to the card profile out of the box.
    • Primary checkbox to the card profile out of the box.
    • Credit card details and Rewards summary expansion panels to the General information tab for the "Credit" type
    • Debit card details expansion panel to the General information tab for the "Debit" type.
    • "Pending closure" status to the Card status lookup.
    • "Populate card balance and debt" business process that recalculates card balance and debt values based on balances from linked bank account and loan records.

  • Renamed:

    • Number field to Masked number
    • Card information tab to General information
    • Financial accounts expansion panel to Linked bank accounts for the "Debit" type.

  • Moved the "Balance" (for the "Credit" type) and "Debt" (for the "Debit" type) metrics from the General information tab to the card profile.

  • Selected the Enable live data update checkbox in the Behavior property block of Object Designer for the "Card" (BankCard code) object.

Card page

Changed

Added support for storing and managing available financial transaction channels on the card page. This change enables granular control of debit card usage, improves visibility of supported transaction methods, enhances security, and provides support for compliance and operational policies.

More details

Added a new "Financial transaction channel in card" (FinancialTransactionChannelInBankCard code) object that stores the list of available transaction channels per card and is used as data source for the new "Transaction channel permissions" column in the Debit card details expansion panel on the General information tab of the card page. The field is available for the "Debit" type and assigns one or more channels to a debit card.

Transactions

Changed

Added functionality to classify transactions on the loan, bank account and card pages by channel and type as well as to associate them with specific loans directly, providing a complete view of loan activity. This change improves reporting, strengthens traceability, and ensures consistency of financial records across loans, cards, and bank accounts.

More details

Added:

  • Transactions expansion panel on the Servicing tab of the loan page
  • "Channel" (FinancialTransactionChannel code), "Type" (FinancialTransactionType code), "Loan" (Loan code) columns to the "Transaction" (Transaction code) object to capture more contextual data.

Finserv Application Management​

Feature

Status

Description

Underwriting rules section

Added

Added an Underwriting rules section that enables management of product-specific underwriting rules to define and automate manual check generation during the "Underwriting" stage of the application process. This change introduces flexible configuration for "Default" and "Conditional" rule types, ensuring consistent and auditable underwriting logic while reducing manual setup and aligning credit validation with institution-defined criteria for each product type.

More details

Added:

  • "Underwriting rule" (UnderwritingRule code) object that stores underwriting rule configurations.
  • "Underwriting rules list page" (UnderwritingRules_ListPage code) client module that manages underwriting rules.
  • "Underwriting rules form page" (UnderwritingRules_FormPage code) client module that configures and edits underwriting rules.
  • Underwriting rule types lookup that stores rule types. The lookup includes "Default" and "Conditional" types. Creatio applies "Default" rules for selected product types and "Conditional" rules for product types that meet specified conditions.
  • "Generate manual checks from underwriting rules" business process that generates rule-based manual checks during the "Underwriting" stage.

AI Skills

Changed

Added a "Detect credit score change" API AI Skill that monitors customer credit score variations and generates actionable alerts only when a score changes or is recorded for the first time. This change enables relationship managers and risk teams to identify eligibility changes, potential risks, and new opportunities in real time, ensuring timely, relevant notifications and improved compliance tracking.

More details

Added an "AI insights and alerts. Detect credit score change" business process required for the "Detect credit score change" AI Skill.

AI Skills

Changed

Added a "Detect customer life event" API AI Skill that generates alerts automatically when new life events, such as marriage, education, relocation, are added to a customer page. The skill notifies relationship managers and CSRs about important updates, enabling timely outreach and personalized service adjustments.

More details

Added an "AI insights and alerts. Detect customer life event" business process required for the "Detect customer life event" AI Skill.

AI Skills

Changed

Added a "Detect negative sentiment in case" API AI Skill that analyzes customer communications in cases to identify dissatisfaction and generate actionable alerts. The skill evaluates all communication channels, determines likely causes of negative sentiment, and notifies service teams to respond proactively before issues escalate. This change improves resolution quality, reduces complaint escalations, and strengthens customer trust. Aggregated insights from detected sentiment also support process optimization and employee training.

More details

Added an "AI insights and alerts. Detect negative sentiment in case" business process required for the "Detect negative sentiment in case" AI Skill.

Contact incomes

Changed

Improved the financial data model to support linkage between contact incomes and applications. When users add incomes during the application process, Creatio now automatically creates both contact and application records. Once verified, data is synchronized to the contact page, ensuring consistency and eliminating duplication. This enhancement enables accurate historical tracking of incomes across applications and supports more precise decision-making in credit processes.

More details

Added:

  • Incomes expansion panel to the Financial details tab of the application submission page and application full page. The panel is linked to the "Contact income in application form" (ContactIncomeInAppForm code) object, which includes the "Application form" (AppForm code) column. When the column value is passed, Creatio receives the Application form page parameter, maps it to the corresponding column and adds incomes to both the contact page and application submission page simultaneously. The Incomes expansion panel is visible on the application submission page only for "Auto loans" type products.
  • "Sync verified income data to contact" business process that synchronizes verified incomes from the application submission page to the contact page.

Contact expenses

Changed

Improved the financial data model to support linkage between contact expenses and applications. When users add expenses during the application process, Creatio now automatically creates both contact and application records. Once verified, data is synchronized to the contact page, ensuring consistency and eliminating duplication. This enhancement enables accurate historical tracking of expenses across applications and supports more precise decision-making in credit processes.

More details

Added:

  • Expenses expansion panel to the Financial details tab of the application submission page and application full page. The panel is linked to the "Contact expense in application form" (ContactExpenseInAppForm code) object, which includes the "Application form" (AppForm code) column. When the column value is passed, Creatio receives the Application form page parameter, maps it to the corresponding column and adds expenses to both the contact page and application submission page simultaneously. The Expenses expansion panel is visible on the application submission page only for "Auto loans" type products.
  • "Sync verified expense data to contact" business process that synchronizes verified expenses from the application submission page to the contact page.

Contact liabilities

Changed

Improved the financial data model to support linkage between contact liabilities and applications. When users add liabilities during the application process, Creatio now automatically creates both contact and application records. Once verified, data is synchronized to the contact page, ensuring consistency and eliminating duplication. This enhancement enables accurate historical tracking of liabilities across applications and supports more precise decision-making in credit processes.

More details

Added:

  • Liabilities expansion panel to the Financial details tab of the application submission page and application full page. The panel is linked to the "Contact liability in application form" (ContactLiabilityInAppForm code) object, which includes the "Application form" (AppForm code) column. When the column value is passed, Creatio receives the Application form page parameter, maps it to the corresponding column and adds liabilities to both the contact page and application submission page simultaneously. The Liabilities expansion panel is visible on the application submission page only for "Auto loans" type products.
  • "Sync verified liability data to contact" business process that synchronizes verified liabilities from the application submission page to the contact page.

Customer data adjustment

Changed

Modified the functionality of customer data adjustment in the Consultation center sidebar on the communication panel. This change provides a more comprehensive set of consultation flows.

More details

Added:

  • Address field to the Add address mini page opened from the Addresses expansion panel in the Contact info tab of the contact page. Creatio populates the field automatically based on Street, Building, Apartment/office field values.
  • Filtering in the Address type field of the Add address mini page based on the "Use in contacts" column value of the Address types lookup.

Customer identification

Changed

Modified the functionality of customer identification in the Consultation center sidebar on the communication panel. This change provides a more comprehensive set of consultation flows.

More details
  • Changed the data source of the Documents expansion panel in the Identification information tab of the customer identification page from the deprecated "Document (view)" (VwDocumentViewModel code) object to the "Document" (Document code).
  • Removed the deprecated "Document (view)" (VwDocumentViewModel code) and "Document (view) mini page" (VwDocument_MiniPage code) objects.

Application management

Changed

Added credit report handling to the application underwriting flow. Creatio now automatically generates and links credit reports to applications during the "Underwriting" stage of the application process, enabling users to analyze tradelines, inquiries, and other credit data directly within the application. This change streamlines underwriting workflows, centralizes credit insights, and supports faster, data-driven credit decisions.

More details

Added:

  • "Initial application" (InitialFinApplication code) column to the "Credit report" (CreditReport code) object to establish a link between credit reports and applications.
  • "Initiate credit report generation for application" business process to lending application dynamic cases. The process generates mock credit report data during the "Underwriting" stage automatically.
  • Support for opening and displaying credit report data directly from the Underwriting tab on the application full page.

Application management

Changed

Improved the business processes responsible for application management. This change enhances process transparency, standardizes stage transition handling, and reduces manual configuration across product types.

More details
  • Added a "Populate application name" business process that generates unique application names based on product category and application number automatically.
  • Moved the windows that display validation messages and submission confirmations during stage transitions from the page handler to the "Change application stage" business process to improve consistency and maintainability.

Application management

Changed

Changed application creation in the Applications section to improve handling, reusability, and compliance. This change enhances data integrity and the user experience in application processing.

More details
  • Added automatic reuse of identity documents after application form creation. The "Create required document from application form" business process now runs automatically as a subprocess of "Populate contact data for existing contact in application form." The subprocess generates required documents by reusing existing active identity documents of the contact.
  • Changed the "Create required document from application" business process by adding validation to prevent the duplication of required documents for the same application.

Applications section

Changed

Added dashboard view to the Applications section. This change enhances monitoring capabilities and provides better data visualization for users.

Application page

Changed

Improved the application full page to support lending-specific workflows. This change increases efficiency, reduces manual errors, and streamlines end-to-end application processing.

More details

Added:

  • Approvals profile for underwriters to make decisions during the "Underwriting" stage.
  • Dealership information profile, visible only for "Auto loans" type products.
  • Disbursement profile that becomes available if a linked loan record exists.
  • "Collateral description" (CollateralDescription code), "Debt-to-income (DTI), %" (DebtToIncomeRatio code), "Loan-to-income (LTI), % (LoanToIncomeRatio code), "Loan-to-value (LTV), %" (LoanToValueRatio code), "Payment-to-income (PTI), %" (PaymentToIncomeRatio code), "Is loan offer accepted?" (IsLoanOfferAccepted code) columns to the "Application" (FinApplication code) object.
  • Evaluation status field to the General information profile.

Application page

Changed

Improved the Product tab on the application full page to support lending-specific workflows. This change improves risk visibility and traceability for loan products.

More details

Added a Collateral description expansion panel, visible only for "Auto loans" type products.

Application page

Changed

Added a Financial details tab on the application full page to manage and verify financial data as well as support lending-specific workflows. This change improves risk visibility and traceability.

More details

Added Incomes, Expenses, and Liabilities expansion panels to the Financial details tab.

Application page

Changed

Added an Underwriting tab on the application full page to manage and verify underwriting as well as support lending-specific workflows. This change improves risk visibility and traceability.

More details

Added:

  • Current status and Evaluation date fields to the Underwriting tab to display linked underwriting evaluations.
  • Risk ratios, Credit snapshot, Automated checks, Manual checks expansion panels to the Underwriting tab.

Application page

Changed

Added an Evaluation history tab on the application full page to track evaluations and support lending-specific workflows. This change improves risk visibility and traceability.

More details

Added Evaluation history, Underwriting status log, and Approvals expansion panels to the Evaluation history tab.

Application page

Changed

Improved the Contact info tab on the application full page to support lending-specific workflows. This change improves risk visibility and traceability for loan products.

More details

  • Added:

    • "Number of dependents" (NumberOfDependents code) column to the "Contact" (Contact code) object. The Number of dependents field is displayed out of the box in the Personal & business details expansion panel.
    • Loans expansion panel that displays linked loans.

  • Changed the data source of the Identity documents expansion panel from the "Document" (Document code) object to the "Required documents in application" (DocListInFinApp code) object to support the new document flow.

Application page

Changed

Improved filters in the Required documents expansion panel on the Documents tab of the application full page. This change ensures consistent document display and selection logic across all lending workflows.

Application page

Changed

Added a Financial details tab on the application submission page to manage financial data for "Auto loans" type products. This change improves risk visibility and traceability in the application process.

More details

Improved income and expense validation logic in the "Change application stage" business process. At least one income and one expense record are now required to proceed, ensuring accurate financial evaluation.

Application page

Changed

Improved the Customer details tab on the application submission page to support lending-specific workflows. This change enhances document management and improves data consistency across product types.

More details

  • Added:

    • "Number of dependents" (NumberOfDependents code) column to the "Contact" (Contact code) object. The Number of dependents field is displayed out of the box in the Personal data expansion panel.
    • Financial data expansion panel for "Credit cards & lines of credit" and "Personal loans" product categories.
    • "Launch manual required document deletion" business process that removes related documents manually.
    • Delete action to manually remove documents from the Identity documents expansion panel on the Customer details tab of the application form page. The "Launch manual required document deletion" business process includes a delete action that removes documents during execution automatically.

  • Changed the data source of the Identity documents expansion panel from the "Document" (Document code) object to the "Required documents in application" (DocListInFinApp code) object to support the new document flow.

Application page

Changed

Improved the Product details tab on the application submission page to support lending-specific workflows. This change improves product management, data consistency, and document flow handling.

More details

  • Added:

    • Dealership field to the Product expansion panel, visible only for "Auto loans" type products.
    • Collateral description expansion panel for "Auto loans" type products.
    • Delete action to manually remove documents from the Required documents expansion panel on the Product details tab of the application form page. The "Launch manual required document deletion" business process includes a delete action that removes documents during execution automatically.

  • Changed:

    • Data source of the list in the Attachments expansion panel nested in the Required documents expansion panel from the "Document list in application attachment" (DocListInFinAppFile code) object to the "Document attachment" (DocumentFile code) object.
    • Selected required document page parameter now references the "Document" (Document code) object.

  • Moved the required document validation logic from handlers to the "Change application stage" business process for centralized validation handling.

Application page

Changed

Improved the Agreement & signature tab on the application submission page to support lending-specific workflows. This change enhances compliance traceability and ensures consistent handling of documentation and customer acceptance during the finalization stage.

More details

  • Added a Customer has reviewed and accepted the full terms of the loan offer, including but not limited to the proposed amount, term, interest rate, and repayment conditions checkbox, visible for the "Personal loans" product category only.

  • Changed:

    • Data source of the list in the Attachments expansion panel nested in the Required documents expansion panel from the "Document list in application attachment" (DocListInFinAppFile code) object to the "Document attachment" (DocumentFile code) object.
    • Selected signing document page parameter now references the "Document" (Document code) object.

  • Moved the document-for-signing validation logic from handlers to the "Change application stage" business process for centralized validation handling.

Application page

Changed

Modified the application stage model to support new lifecycle stages, stricter transition management, and extended validations. This change aligns the application lifecycle with best practices for financial services, enforces valid progressions, and improves compliance, data integrity, and process reliability.

More details

  • Added:

    • "Application stage transition map" (FinAppStageTransitionMap code) object to manage allowed transitions between stages for the progress bar on the application submission page.
    • "Disbursement," "Financial details," "Underwriting" stages to the Application stages lookup.

  • Changed the "Change application stage" business process to leverage the new model, include flows for new stages, and enforce validations for identity documents, financial details, required documents, and signing documents.

  • Set the "Inactive" column value of the Application stages lookup to "Yes" (deactivated) for the deprecated "Canceled," "Closed successfully," "Filling in the application form," "Product selection," "Rejected," "Settlement," "Validation" stages.

Application page

Changed

Added the PlaceholderGridContainer element to the Freedom UI Designer canvas of the application submission page. The element stores Application underwriting in progress, Compliance check in progress, and Disbursement in progress placeholders to enable real-time progress tracking during the application workflow.

Application page

Changed

Improved the application mini page to support lending-specific workflows. This change enhances efficiency, reduces manual errors, and streamlines end-to-end application processing.

More details

Moved the business logic that initializes the application status from the handlers to the "Read application status by product category" business process, ensuring greater consistency and maintainability across product types.

Application dynamic cases

Changed

Improved the dynamic cases on the application submission page and application full page to support lending-specific workflows. This change ensures consistent compliance, underwriting, and document management across all lending product types.

More details

  • Added:

    • "Credit card & line of credit application," "Auto & home loan application," "Personal loan application" dynamic cases for lending product flows.
    • "Set final evaluation status" step to the "Agreement & signature" stage for the "Retail deposit bank account application" case to update evaluation results after KYC checks.

  • Renamed the "Retail deposit account application" dynamic case to "Retail deposit bank account application."

Application form management

Changed

Improved the business processes responsible for managing application forms to enhance document management, financial data handling, and user experience. This change strengthens data consistency between application forms, contacts, and related financial records.

More details

  • Added the following subprocesses to the "Populate contact data for existing contact in application form" business process:

    • "Delete required document and linked document" and "Create required document from application form" subprocesses that support the new reusable document flow.
    • "Delete financial records from application form" and "Link financial records to application form" subprocesses that enable financial data management across application forms.

  • Changed:

    • "Populate contact data for existing contact in application form" business process by extending its logic to populate the Gross monthly income and Number of dependents fields on the application form page.

    • "Process application form and update contact data" business process:

      • Added the "Generate address" user task that automatically populates the Address field on the Addresses expansion panel in the Contact info tab of the contact page during data migration from the "Application form" (AppForm code) object to the contact page.
      • Added the business logic that copies the Gross monthly income and Number of dependents fields values from the "Application form" (AppForm code) object to the "Contact" (Contact code) object.

Application forms section

Changed

Added dashboard view to the Application forms section. This change enhances monitoring capabilities and provides better data visualization for users.

Application form page

Changed

Improved the application form page to enhance document management, financial data handling, and overall user experience. Application forms now align with the new document reusability model and ensure robust processing of financial and personal data.

More details

  • Added:

    • "Monthly housing expense" (MonthlyHousingExpense code), "Gross monthly income" (GrossMonthlyIncome code), and "Consent for processing by credit bureau" (IsAgreeCreditBureauProcessing code) columns to the "Application form" (AppForm code) object for model consistency.
    • "Number of dependents" (NumberOfDependents code) column to the "Contact" (Contact code) object. The Number of dependents field is displayed out of the box in the Personal data expansion panel on the Customer details tab of the application form page.

  • Changed:

    • Data source of the Identity documents expansion panel in the Customer details tab of the application form page from the "Document" (Document code) object to the "Required documents in application" (DocListInFinApp code) object to support the new document flow.
    • Building fields in the Residence address, Previous residence address, Registration address, Previous registration address, Mailing address, Employment address expansion panels in the Customer details tab of the application form page were marked as not required.

  • Moved logic that validates required documents from the page handler to the "Submit application form" business process for centralized validation handling.

Evaluation management

Changed

Added an "Underwriting" evaluation type to the Evaluations lookup to introduce structured handling of underwriting process. The new evaluation type combines automated and manual checks with underwriter approval where needed. This change improves compliance, reduces redundant checks, and ensures a transparent evaluation trail across applications.

More details

Added:

  • "Initiate underwriting for application" business process, triggered from lending product dynamic cases.
  • "Generate underwriting evaluation for application" business process that generates evaluation history.
  • "Generate mock automated underwriting checks" business process that generates automated underwriting checks.
  • "Generate manual checks from underwriting rules" business process that generates manual underwriting checks. If manual checks exist, an approval task is assigned to the "Underwriters" role. Otherwise, the evaluation status is updated automatically.
  • Underwriting tab to the application full page to process evaluations.

Evaluation management

Changed

Added deactivation logic per application to improve compliance, reduce redundant checks, and ensure a transparent evaluation trail across applications.

More details

Added:

  • "Deactivate old evaluation history per application" business process. When a new link whose "Activation scope" value in the Evaluations lookup is set to "Application," is created in the "Evaluation application history" (EvaluationFinApplicationHistory code) object, Creatio deactivates the previously active evaluation of the same type for the application.
  • "Application" activation scope to the Evaluation activation scope lookup.

Evaluation management

Changed

Modified the evaluation model in the application flow to support stricter activation rules. This change improves compliance, reduces redundant checks, and ensures a transparent evaluation trail across applications.

More details

  • Added:

    • "Evaluation application history" (EvaluationFinApplicationHistory code) object to link the same evaluation history record across multiple applications.
    • Applications tab to the Evaluation history window that displays linked applications using the "Evaluation application history" (EvaluationFinApplicationHistory code) object.

  • Renamed:

    • "Application" column to "Initial application" in the Evaluation history expansion panel in the Compliance & risk monitoring tab of the contact page.
    • "Update evaluation status in application" business process to "Set final evaluation status in application." The process now supports both KYC and underwriting evaluations in application flow.

Evaluation management

Changed

Modified the manual evaluation process to improve compliance, reduce redundant checks, and ensure a transparent evaluation trail across applications.

More details

  • Added:

    • Reuse flow in the manual evaluation process to check for active evaluations of the same type and link them if conditions are met.
    • "Generate evaluation for application" subprocess.
    • Waiting logic in the automatic flow until a successful evaluation is linked, preventing premature credit report and underwriting generation in lending application dynamic cases.

  • Renamed the "Create manual evaluation for application" business process to "Initiate KYC for application."

  • Moved the evaluation generation logic to the "Generate evaluation for application" subprocess, including mock automation to auto-complete KYC.

Loan management

Changed

Modified the functionality of loan opening in the Consultation center sidebar on the communication panel. This change provides a more comprehensive set of consultation flows.

More details

Added:

  • "Loan opening" consultation theme group to the Consultation center sidebar on the communication panel.
  • "Auto loans" and "Credit cards and lines" consultation themes to the "Loan opening" consultation theme group.
  • "Credit card" and "Line of credit" consultation themes to the "Credit cards and lines" consultation theme.
  • "Launch auto loan application" business process required for the "Auto loans" consultation theme.
  • "Launch credit card application" business process required for the "Credit card" consultation theme.
  • "Launch line of credit application" business process required for the "Line of credit" consultation theme.

Each process launches a new lending application for the selected product type.

Loan management

Changed

Modified the functionality of loan servicing in the Consultation center sidebar on the communication panel. This change provides a more comprehensive set of consultation flows.

More details

Added:

  • "Loan servicing" consultation theme group to the Consultation center sidebar on the communication panel.
  • "Change credit card limit," "Close credit card" "Close line of credit" consultation themes to the "Loan servicing" consultation theme group.
  • "Launch credit card limit change" business process required for the "Change credit card limit" consultation theme. The business process opens the Credit card limit change window to decrease the limit, apply a pre-approved increase, or initiate a new application for higher limit.
  • "Credit card loan closure" business process required for the "Close credit card" consultation theme. The business process opens the Credit card/line closure window to check for uncleared transactions and outstanding balance. Requires final closure confirmation with legal disclaimers and reward point forfeiture warning.
  • "Line of credit loan closure" business process required for the "Close line of credit" consultation theme. The business process opens the Credit card/line closure window to check for uncleared transactions and outstanding balance. Requires final closure confirmation with legal disclaimers and reward points forfeiture warning.

Loans section

Changed

Added functionality to connect loans and applications, enabling many-to-many relationships. Users can now view this history directly on the loan page, providing full visibility into loan origination and disbursement. This change improves traceability of loans created through applications and supports lifecycle tracking at the disbursement stage.

More details

  • Added:

    • "Loan in application" (LoanInFinApplication code) object to link multiple loans to one application and multiple applications to one loan.
    • Applications expansion panel to the History tab of the loan page.
    • "Process disbursement for loan application" business process that creates connections in the Applications expansion panel on the History tab of the loan page during the disbursement stage automatically.

  • Disabled the "Hide elements: History" business rule, making the History tab visible on the loan page.

Bank account management

Changed

Modified the functionality of bank account opening in the Consultation center sidebar on the communication panel. This change provides a more comprehensive set of consultation flows.

More details

Renamed the "Account opening" consultation theme group to "Bank account opening" on the Consultation center sidebar.

Bank account management

Changed

Modified the functionality of bank account servicing in the Consultation center sidebar on the communication panel. This change provides a more comprehensive set of consultation flows.

More details

  • Added a "Bank account payment slip" (BankAccountPaymentSlip code) object to store the payment slip.

  • Renamed:

    • "Financial account operations" consultation theme group to "Bank account servicing" in the Consultation center sidebar
    • "Account closure" consultation theme to "Close account" in the "Bank account servicing" consultation theme group on the Consultation center sidebar
    • "Financial account closure" business process to "Bank account closure"

    This change affects only new environments. All existing environments remain unaffected.

  • Improved the closure logic by adding a check for uncleared transactions with an email notification option once transactions are completed. If a positive or negative balance exists, Creatio generates a payment slip in the "Bank account payment slip" (BankAccountPaymentSlip code) object.

Bank account page

Changed

Improved the bank account page to establish a direct link between bank accounts and applications. When a deposit account is created through the application process, the corresponding bank account now stores a reference to the originating application, ensuring full traceability between applications and resulting financial accounts.

More details
  • Added an Application field to the bank account profile on the bank account page.
  • Changed the "Complete application for deposit account" business process to automatically populate the Application field on the bank account page when a new account is created through the application process.

Product selection assistance

Changed

Modified the functionality of product selection assistance in the Consultation center sidebar on the communication panel. This change provides a more comprehensive set of consultation flows.

More details

  • Renamed:

    • "Product advisory" consultation theme to "Product selection" in the "Product selection assistance" consultation theme group on the Consultation center sidebar
    • Product advisory page to Product selection
    • "Launch product advisory" business process to "Launch product selection"

  • Moved the "Product selection" consultation theme from the "Account opening" consultation theme group to "Product selection assistance."

Document management

Changed

Changed identity document management in the Applications section to improve handling, reusability, and compliance. This change ensures stricter validation of identity documents as well as enhances data integrity and the user experience in application processing.

More details

Changed:

  • "Create document (sub-process)" business process by adding validation to check whether a document of the same class already exists for the contact. If valid, Creatio creates both a required document in the Required documents expansion panel in the Product details tab of the application submission page and a linked document in the Documents section.

  • Create document window:

    • Added validation to prevent saving without a file.
    • Replaced the Status page parameter with the Status field.
    • Removed the unused Status page parameter.

Document management

Changed

Changed document linking in the Applications section to improve handling, reusability, and compliance. This change introduces document reusability across applications, reduces duplicate records, and enhances data integrity and the user experience in application processing.

More details

  • Added:

    • Reusability logic. If the "Reusable for new applications" column in the Document classes lookup is set to "Yes," Creatio searches for an active document of that class for the contact. If found, it is linked. Otherwise, a new document record is created.
    • "Create document from required document" business process that implements document creation and reusability logic.

  • Changed:

    • "Document list in application attachment" (DocListInFinAppFile code) object is no longer used.
    • Linked document is created automatically in the Documents section when adding a document to the Required documents expansion panel on the Customer details tab and Documents for signing expansion panel on the Agreement & signature tab of the application submission page.
    • Files are now uploaded directly to document attachments.

Document management

Changed

Changed document deletion in the Applications section to improve handling, reusability, and compliance. This change prevents accidental loss of documents linked to multiple applications as well as enhances data integrity and the user experience in application processing.

More details

Added a "Delete required document and linked document" business process that checks whether a linked document is used in other applications. If the document is still connected to other applications, deletion of the required document is blocked.

Organizational roles,
Functional roles

Changed

Improved the organizational and functional role structure to align Creatio roles with business responsibilities across lending, servicing, and compliance operations. The new model distinguishes between organizational and functional roles clearly, improving flexibility in access management, approval routing, and task assignment. This change standardizes role naming, introduces new specialized roles, and lays the foundation for role-based access control and process routing.

More details

  • Added:

    • "Branch bankers," "Compliance officers," "Credit analysts," "Credit risk analysts," "Fraud analysts," "Lending operations managers," "Loan fulfillment specialists," "Loan officers," "Servicing specialists," "Tellers," "Underwriters" organizational roles.
    • "Branch banker," "Compliance officer," "Credit analyst," "Credit risk analyst," "CSR/MSR," "Fraud analyst," "Lending configuration administrator," "Lending operations manager," "Loan fulfillment specialist," "Loan officer," "Servicing specialist," "Teller" functional roles.

  • Renamed the "CSR" organizational role to "CSRs/MSRs" to represent both customer service representatives and member service representatives.

Workplaces

Changed

Added a "Lending configuration" workplace to centralize administration of lending-related settings. This change improves governance, simplifies maintenance, and ensures consistent setup of underwriting, product, and reference data across financial service workflows.

More details

Added the following sections to the "Lending configuration" workplace:

  • Underwriting rules for managing manual and conditional underwriting validation logic.
  • Products for maintaining the product catalog and related parameters.
  • Lookups for configuring reference data used across lending processes.

Workplaces

Changed

Improved the "Underwriter" workplace to expand access to essential operational sections and enhance navigation efficiency when analyzing applications, reviewing contracts, and managing customer or household data. This change streamlines underwriting workflows and improves data visibility for faster, more informed credit decisions.

More details

Added:

  • Households, Applications, Loans, Cards, Contracts sections to the "Underwriter" workplace for easier access.
  • The Underwriter homepage page tailored to underwriting operations and data visibility, helping underwriters make faster and more informed credit decisions.

Workplaces

Changed

Improved the "CSR/MSR" workplace to enhance usability and relevance for customer-facing roles, providing a more focused environment for daily service and sales operations. This change improves navigation, data visibility, and efficiency for service representatives.

More details

  • Added:

    • Households section to the "CSR/MSR" workplace for easier access.
    • My applications expansion panel to the My day tab on the CSR homepage page that provides quick access to active and assigned applications.

  • Renamed the "CSR" workplace to "CSR/MSR" to reflect its use by both customer service representatives and member service representatives.

  • Changed the "Applications by product category" widget on the CSR desktop page to display only relevant product types for the CSR/MSR role.