R05.13.01.05 · 任务小类

银行与信贷运营

Banking & lending operations

Originate, review and service loans and accounts in core banking front-ends (test data).

20 条本项目编写的提案 · 分类 v1.1 · 新增基准运行 0 次。下方验证方式与部分得分规则是设计，不是执行结果。

典型应用: loan origination systems · core banking UIs
小类 GUI 需求标签: HY · 混合

任务提案 · 20

展开查看完整原文与建议检查方式；两种界面均保留提案英文原文。

R05.13.01.05-T01 Build a loan application from borrower documents and conditionally approve

原始指令

In ICE Encompass (training instance, synthetic borrowers), create the URLA (1003) for the file in input/borrower_docs/ (paystubs, W-2s, bank statements, credit report): employment, income, assets, liabilities and the subject property. Compute back-end DTI (should be 38.2%), set status 'Conditionally approved' and add the 3 conditions from input/uw_notes.txt.

平台: win · Windows web · 任意系统（网页）
应用: ICE Encompass
交互表面: desk · 桌面 GUI brow · 浏览器
GUI 需求 · 任务设定: G2 · GUI 必要
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: vis · 视觉判断 type · 文字与表单 click · 指向与点击
工作产物: WP08 · 应用 / 系统状态
条件: licensed · 授权专业软件
提案难度: 4 / 5

建议验证方式

Loan field read by grader (training DB): income, assets, liabilities per key; DTI field 38.2% +/-0.1; milestone/status; 3 conditions with categories. Encompass Developer Connect/SDK credentials are withheld from the agent, so fields must be entered in the Encompass client.

建议部分得分

35% income and employment; 25% assets/liabilities; 20% DTI; 20% status and conditions.

R05.13.01.05-T02 Enter fees for a Loan Estimate in Calyx Point

原始指令

In Calyx Point (Windows, training), open loan file Jensen_2026.brw, enter the closing costs from input/fee_sheet.pdf into the correct Loan Estimate sections (A-H) with paid-by and APR flags, set the lock (30-day, 6.375%), and print the Loan Estimate to output/LE.pdf.

平台: win · Windows
应用: Calyx Point
交互表面: desk · 桌面 GUI
GUI 需求 · 任务设定: G2 · GUI 必要
GUI 需求 · 普通权限: G3 · 仅 GUI
交互原语: type · 文字与表单 click · 指向与点击
工作产物: WP08 · 应用 / 系统状态
条件: licensed · 授权专业软件
提案难度: 3 / 5

建议验证方式

Parse saved .brw via export: fee lines in correct sections and amounts; APR flags; lock data; LE PDF text totals (Section J, cash to close) equal key. Calyx Point's SDK is not installed and the VM has no scripting runtime, so fees and lock must be entered in Point.

建议部分得分

45% fees in sections; 15% APR flags; 15% lock; 25% LE totals.

R05.13.01.05-T03 Run automated underwriting and record its findings

原始指令

From Encompass (training), submit the loan to Desktop Underwriter (test environment), then read the findings report and record in Encompass the recommendation, the reserves required, and each verification message as a condition. Save the findings PDF to output/du_findings.pdf.

平台: win · Windows web · 任意系统（网页）
应用: ICE Encompass · Desktop Underwriter
交互表面: desk · 桌面 GUI brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: click · 指向与点击 nav · 平移 / 缩放 / 滚动 type · 文字与表单
工作产物: WP08 · 应用 / 系统状态
条件: multiapp · 多应用
提案难度: 3 / 5

建议验证方式

DU casefile id saved on loan; recommendation field matches findings; conditions created for each verification message (set equality); reserves amount exact; PDF saved.

建议部分得分

25% submission; 25% recommendation and reserves; 40% conditions; 10% PDF.

R05.13.01.05-T04 Calculate self-employed qualifying income from tax returns

原始指令

For loan file Ortega (Encompass training), compute qualifying income per input/form1084_rules.pdf from 2 years of personal returns with Schedule C and K-1s in input/returns_2024_2025.pdf (scanned): add back depreciation and depletion, subtract meals, average or use the lower year if declining. Enter the Form 1084 worksheet and set monthly income.

平台: win · Windows web · 任意系统（网页）
应用: ICE Encompass
交互表面: desk · 桌面 GUI brow · 浏览器
GUI 需求 · 任务设定: G2 · GUI 必要
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: vis · 视觉判断 type · 文字与表单 nav · 平移 / 缩放 / 滚动
工作产物: WP08 · 应用 / 系统状态
条件: licensed · 授权专业软件
提案难度: 4 / 5

建议验证方式

Worksheet line values match key from returns; monthly qualifying income within $1; declining-income rule applied (seeded decline). Encompass Developer Connect/SDK credentials are withheld from the agent, so fields must be entered in the Encompass client.

建议部分得分

45% worksheet lines; 20% declining rule; 35% final monthly income.

R05.13.01.05-T05 Route an application with income mismatch to manual review

原始指令

In the loan origination system (training, web), application APP-2271 states $9,800/month income. Compare with W-2s in the document tab; if stated income differs by more than 10% from documented, set status 'Manual review', reason 'Income variance', and add a note with both figures.

平台: web · 任意系统（网页）
应用: loan origination system
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: vis · 视觉判断 click · 指向与点击 type · 文字与表单
工作产物: WP08 · 应用 / 系统状态
条件: 未声明
提案难度: 2 / 5

建议验证方式

Status and reason per key (variance 14% -> manual review); note contains both monthly figures to the dollar.

建议部分得分

50% status/reason; 50% note figures.

R05.13.01.05-T06 Generate and attach an amortization schedule

原始指令

In Encompass (training), for loan file Kim_2026, generate the amortization schedule for $412,000 at 6.125% for 30 years with first payment 2026-12-01, verify the P&I payment, and attach the schedule PDF to the eFolder under 'Disclosures'.

平台: win · Windows web · 任意系统（网页）
应用: ICE Encompass
交互表面: desk · 桌面 GUI brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: click · 指向与点击 nav · 平移 / 缩放 / 滚动
工作产物: WP08 · 应用 / 系统状态
条件: licensed · 授权专业软件
提案难度: 2 / 5

建议验证方式

Loan fields amount/rate/term/first payment; P&I = 2,503.37; attachment in eFolder with correct document type; PDF row 1 and 360 match formula.

建议部分得分

30% loan terms; 30% payment; 40% attached schedule.

R05.13.01.05-T07 Onboard a client and disburse a group-guaranteed loan

原始指令

In Mifos X / Apache Fineract (local test server), create client 'Amina Yusuf (synthetic)' in office 'Kisumu', upload KYC documents from input/kyc/, add her to group 'Mwangaza', then create, approve and disburse a loan of 50,000 under product 'Group Flat 12M' with guarantors from the group per input/loan_app.pdf.

平台: web · 任意系统（网页）
应用: Mifos X
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: click · 指向与点击 type · 文字与表单
工作产物: WP08 · 应用 / 系统状态
条件: 未声明
提案难度: 3 / 5

建议验证方式

Fineract DB: client with office and documents; group membership; loan with product, principal, guarantors, status active (disbursed) and schedule equal to product terms.

建议部分得分

20% client and KYC; 15% group; 25% guarantors; 40% loan approved and disbursed.

R05.13.01.05-T08 Open a corporate account with mandates and signatories

原始指令

In Temenos Transact (training browser client), open a current account for corporate customer 'Halden Tools AS (synthetic)' in NOK with the 3 authorized signatories from input/board_resolution.pdf and the mandate rule 'any two jointly above NOK 100,000'. Authorize the record with the second training user.

平台: web · 任意系统（网页）
应用: Temenos Transact
交互表面: brow · 浏览器
GUI 需求 · 任务设定: G2 · GUI 必要
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: type · 文字与表单 click · 指向与点击 key · 快捷键
工作产物: WP08 · 应用 / 系统状态
条件: licensed · 授权专业软件
提案难度: 3 / 5

建议验证方式

Training DB: account record with currency and customer; signatory relations; mandate record with threshold and rule; record status authorized by second user (maker-checker). OFS and IRIS API access is withheld from both training users, so the record must be input and authorized in the browser client.

建议部分得分

30% account; 30% signatories; 25% mandate; 15% authorized.

R05.13.01.05-T09 Place a stop payment on a green-screen core system

原始指令

In a 5250 emulator session to a core-banking training host, place a stop payment on check 1043 (amount and payee from input/stop_request.pdf) for account 4410-2290, waive the fee only if the customer's tier is 'Premier' per input/fee_policy.md, and print the confirmation to the session printer file.

平台: win · Windows mac · macOS
应用: 5250 emulator · core banking host
交互表面: desk · 桌面 GUI term · 终端
GUI 需求 · 任务设定: G3 · 仅 GUI
GUI 需求 · 普通权限: G3 · 仅 GUI
交互原语: type · 文字与表单 key · 快捷键
工作产物: WP08 · 应用 / 系统状态
条件: tutorial · 阅读文档 / 教程
提案难度: 3 / 5

建议验证方式

Host DB: stop record for check 1043 with amount/payee and expiry; fee posted or waived per tier (seeded: Standard -> fee posted); spool file present. Host is reachable only via the terminal session.

建议部分得分

50% stop record; 30% fee rule; 20% confirmation printed.

R05.13.01.05-T10 Produce a payoff quote with per-diem interest

原始指令

In the loan servicing system (training, web), produce a payoff quote for loan 7702184 good through 2026-10-30: unpaid principal, interest to that date at the loan's daily accrual method, escrow refund/shortage, late fees, and recording fee per input/payoff_policy.md. Save the quote PDF and write the per-diem to output/perdiem.txt.

平台: web · 任意系统（网页）
应用: loan servicing system
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: click · 指向与点击 type · 文字与表单
工作产物: WP08 · 应用 / 系统状态
条件: 未声明
提案难度: 3 / 5

建议验证方式

Quote record: components equal key to the cent (actual/365 accrual); per-diem exact; PDF present with good-through date.

建议部分得分

40% interest and per-diem; 30% other components; 20% total; 10% PDF.

R05.13.01.05-T11 Set up a hardship forbearance and repayment plan

原始指令

In the loan servicing system (training), borrower on loan 7702301 qualifies for hardship relief per input/hardship_app.pdf. Set a 3-month forbearance (Nov-Jan) with suspended payments, then a 6-month repayment plan spreading the forborne amount evenly, suppress credit reporting per policy, and generate the borrower letter.

平台: web · 任意系统（网页）
应用: loan servicing system
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G3 · 仅 GUI
交互原语: click · 指向与点击 type · 文字与表单
工作产物: WP08 · 应用 / 系统状态
条件: 未声明
提案难度: 4 / 5

建议验证方式

Forbearance record dates and suspended amount; repayment plan installments equal key; credit reporting flag; letter generated.

建议部分得分

35% forbearance; 35% repayment plan; 15% reporting flag; 15% letter.

R05.13.01.05-T12 Spread borrower financials and test covenants

原始指令

In nCino (Salesforce sandbox), spread 3 years of financial statements for 'Carver Logistics (synthetic)' from input/financials/*.pdf (scanned P&L and balance sheets) into the spreading template, map unusual items per input/mapping_guide.pdf, compute DSCR and leverage, and record covenant compliance for the proposed loan.

平台: web · 任意系统（网页）
应用: nCino
交互表面: brow · 浏览器
GUI 需求 · 任务设定: G2 · GUI 必要
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: vis · 视觉判断 type · 文字与表单 nav · 平移 / 缩放 / 滚动
工作产物: WP08 · 应用 / 系统状态
条件: long · 长流程
提案难度: 5 / 5

建议验证方式

Spread line values per period equal key within $1; ratios within 0.01; covenant pass/fail flags equal key. Agent lacks Salesforce API permissions.

建议部分得分

45% spread lines; 15% mapping of unusual items; 25% ratios; 15% covenant flags.

R05.13.01.05-T13 Process wire requests and hold one with changed instructions

原始指令

In the bank's wire module (training), process 4 outgoing wire requests in queue. Verify each against the callback log input/callbacks.csv and prior instructions; release those verified; one request changes beneficiary bank details by email only (BEC pattern per input/wire_policy.md): place it on hold and escalate to fraud. Releases happen in the sandbox only.

平台: web · 任意系统（网页）
应用: wire transfer module
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: click · 指向与点击 vis · 视觉判断 type · 文字与表单
工作产物: WP08 · 应用 / 系统状态
条件: risk · 高风险 / 不可逆 clarify · 需要澄清
提案难度: 4 / 5

建议验证方式

Wire statuses: 3 released with exact amounts/beneficiaries; suspicious one on hold with fraud escalation case; no release of the suspicious wire (score 0 if released).

建议部分得分

45% suspicious wire held and escalated; 40% legitimate wires released; 15% notes.

R05.13.01.05-T14 Disposition AML alerts and draft a SAR

原始指令

In the AML case manager (training), review 8 transaction-monitoring alerts with account histories. Close false positives with rationale codes, escalate 2 to cases, and for the structuring pattern (cash deposits just under $10,000 across branches) draft a SAR narrative in the case using input/sar_template.md. Do not file.

平台: web · 任意系统（网页）
应用: AML case manager
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: nav · 平移 / 缩放 / 滚动 vis · 视觉判断 type · 文字与表单
工作产物: WP08 · 应用 / 系统状态
条件: risk · 高风险 / 不可逆
提案难度: 4 / 5

建议验证方式

Alert dispositions equal key; 2 cases created; SAR draft fields (subject, amounts, dates, branches) match key data; status Draft. Narrative quality scored by LLM rubric only for 10%.

建议部分得分

40% dispositions; 20% escalations; 30% SAR fields; 10% narrative rubric.

R05.13.01.05-T15 Reactivate a dormant account and update beneficiaries

原始指令

In the core banking UI (training, web), reactivate dormant savings account 3300-1187 after verifying the customer's ID document image in the request, waive the reactivation fee per input/dormancy_policy.md, and replace the beneficiary with the two listed in input/beneficiary_form.pdf at 60/40.

平台: web · 任意系统（网页）
应用: core banking UI
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: vis · 视觉判断 click · 指向与点击 type · 文字与表单
工作产物: WP08 · 应用 / 系统状态
条件: 未声明
提案难度: 2 / 5

建议验证方式

Account status active; fee waived; beneficiaries replaced with names and 60/40 split; ID verification flag set.

建议部分得分

35% reactivated; 20% fee waived; 35% beneficiaries; 10% verification flag.

R05.13.01.05-T16 Run an annual escrow analysis with a shortage

原始指令

In the loan servicing system (training), run the annual escrow analysis for loan 7702455 using the new tax bill and insurance renewal in input/escrow_docs/. Compute the projected low point vs the 2-month cushion, set the shortage to be spread over 12 months per policy, update the monthly payment, and generate the analysis statement.

平台: web · 任意系统（网页）
应用: loan servicing system
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: type · 文字与表单 click · 指向与点击 vis · 视觉判断
工作产物: WP08 · 应用 / 系统状态
条件: 未声明
提案难度: 4 / 5

建议验证方式

Escrow disbursement amounts updated; shortage and new escrow payment equal key to the cent; statement generated.

建议部分得分

30% disbursements; 40% shortage and payment; 30% statement.

R05.13.01.05-T17 Control: create the T07 client and loan through the Fineract API

原始指令

Control pair of T07. Using the Fineract REST API (credentials in input/fineract.env) on a fresh copy of the test server, create the same client, documents, group membership, guarantors, and the approved and disbursed 50,000 loan.

平台: lin · Linux mac · macOS win · Windows
应用: Apache Fineract API · Python
交互表面: api · API / SDK term · 终端
GUI 需求 · 任务设定: AP · API 足够
GUI 需求 · 普通权限: AP · API 足够
交互原语: code · 代码与命令
工作产物: WP08 · 应用 / 系统状态
条件: 未声明
提案难度: 3 / 5

建议验证方式

Same end-state checks as T07.

建议部分得分

20% client; 15% group; 25% guarantors; 40% loan active.

R05.13.01.05-T18 Check closing-disclosure tolerances and compute the cure

原始指令

In Encompass (training), loan Patel_2026 has an issued Loan Estimate and a draft Closing Disclosure. Using the fee tolerance tool and input/fee_changes.pdf, classify fee changes into 0% and 10% buckets, compute the tolerance cure, add it as a lender credit on the CD, and leave the CD unsent.

平台: win · Windows web · 任意系统（网页）
应用: ICE Encompass
交互表面: desk · 桌面 GUI brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: type · 文字与表单 click · 指向与点击 nav · 平移 / 缩放 / 滚动
工作产物: WP08 · 应用 / 系统状态
条件: licensed · 授权专业软件 risk · 高风险 / 不可逆
提案难度: 4 / 5

建议验证方式

Fee bucket assignments equal key; cure amount exact; lender credit on CD equals cure; CD not sent.

建议部分得分

40% bucket classification; 30% cure amount; 20% credit applied; 10% not sent.

R05.13.01.05-T19 Complete HMDA fields and clear edit checks

原始指令

For the 10 closed loans in input/hmda_loans.xlsx, fill HMDA LAR fields in the LOS HMDA screen (training): action taken, loan purpose, rate spread, demographic fields as provided, census tract from the geocoder, then export the LAR file and run it through the FFIEC HMDA test platform; fix all syntactical and validity edits.

平台: web · 任意系统（网页）
应用: loan origination system · FFIEC HMDA Platform
交互表面: brow · 浏览器
GUI 需求 · 任务设定: HY · 混合
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: type · 文字与表单 click · 指向与点击 multi · 跨应用
工作产物: WP02 · 记录 / 表格
条件: multiapp · 多应用
提案难度: 3 / 5

建议验证方式

Exported LAR equals key rows; test platform report shows 0 syntactical/validity edits; quality edits explained in output/edits.txt.

建议部分得分

50% fields; 30% zero S/V edits; 20% quality edit notes.

R05.13.01.05-T20 Take a mortgage file to clear-to-close

原始指令

In Encompass (training), loan Brooks_2026 is in Underwriting with 9 open conditions. Clear each using documents in input/cond_docs/ (some are insufficient: re-request with a note), review the appraisal for the 2 issues in input/appraisal_checklist.md, update CD figures, advance to Clear to Close only if every prior-to-close condition is cleared, and prepare (not send) the final CD.

平台: win · Windows web · 任意系统（网页）
应用: ICE Encompass
交互表面: desk · 桌面 GUI brow · 浏览器
GUI 需求 · 任务设定: G2 · GUI 必要
GUI 需求 · 普通权限: G2 · GUI 必要
交互原语: vis · 视觉判断 type · 文字与表单 click · 指向与点击 nav · 平移 / 缩放 / 滚动
工作产物: WP08 · 应用 / 系统状态
条件: licensed · 授权专业软件 long · 长流程 risk · 高风险 / 不可逆
提案难度: 5 / 5

建议验证方式

Condition statuses equal key (7 cleared, 2 re-requested with notes); appraisal issue fields; milestone Clear to Close only if all prior-to-close conditions cleared (key: no); CD prepared unsent. Encompass Developer Connect/SDK credentials are withheld from the agent, so fields must be entered in the Encompass client.

建议部分得分

45% conditions; 20% appraisal review; 20% correct milestone outcome; 15% CD prepared not sent.

已有研究映射

当前映射未给此小类指定基准参考。

银行与信贷运营

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已有研究映射

同工作流族的小类