External Loan Record

External Loan records store information about each third-party loan that is being tracked in the member’s Symitar account.

This document contains the field name, field description, field number, mnemonic, data type, and default information for each field. Other pertinent information includes:

**Source**  
Indicates where the data in the field comes from:

**User-entered**  
    The user creates the information in this field.

**System-entered**  
    A system process populates the value for the field. This value can include data transmitted by the ATM network, when applicable.

**System-calculated**  
    The system calculates but does not store the value of the field each time the field appears on an inquiry or file maintenance screen.

Note: A list of all of the system’s record and field names is available in PowerOn Control when you click the View Field Names icon on the toolbar. You can view the field number, field name, field mnemonic, and data type of fields in system records.

The External Loan record includes the following fields:

Description

This field stores a description of the loan.

External Loan Type

This field stores a credit union-defined code that the system bases the rules associated with the loan.

Data Type Descriptions
0
Not used.

1–8
Credit union-defined code from the External Loan Type parameter, defined in External Loan Processing Parameters, that the system bases the rules associated with the loan.

External Loan Account Number

This field stores the account number of the external loan on the third-party system.

• For loans generated through the Mortgage Computer (MC) interface, this field stores the three-character control number and the 10-character loan number, separated by dashes.
• For FICS loans, this field stores the account number for the mortgage loan.

The external loan account number can be masked when it appears in the system or when printed.

Note: You must enter an account number in this field. If you do not make an entry, the system displays the following message and will not let you save the record:

Cannot be blank

Status

This field stores a code that indicates if the external loan is active or inactive.

Data Type Descriptions
(0) Active
The loan is active, and it appears in teller transactions, and no activities are restricted.

With this status, you can still place warnings on an External Loan record.

(1) Inactive
The loan is inactive and it does not appear in teller transactions. You are not able to perform activity on the loan through teller transactions and activity performed through batch processing or SymConnect is restricted. This status is equivalent to a no batch posting allowed warning placed on the External Loan record.

Note: As of Symitar Release 2025.00, the SymConnect API is fully decommissioned. All clients and vendors are required to transition to SymXchange.

With this status, the loan still appears in the account tree.

Activity Date

This field stores the date of the previous monetary transaction that affected the External Loan record.

Whenever a teller, ATM network, MemberConnect system, SymConnect client system, or batch program posts a monetary transaction to the Loan record, the system updates this field with the effective date of the previous monetary transaction.

When the system updates this field in the External Loan record, the Activity Date field in the Account record is automatically updated only if the Activity Date Update parameter in the External Loan Processing Parameters is set to Yes.

This date only reflects activity in the system. Activity performed directly by the third-party vendor will not be included in this field.

Last Advance Date

This field stores the last time an advance was taken against the loan.

The system updates this field when a Loan Advance (LA) transaction is performed or when changed in a third-party file.

The system does not update this field for loan add-ons caused by insurance, taxes, fees, adjustments, or loan recast.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Close Date

This field stores the date a loan is closed.

When you open a new loan, Symitar Quest sets this field to blank. You must update this field manually or by an edit run.

Once a loan has a close date, Symitar Quest does not allow any further monetary transactions that affect the external loan.

Unlike a traditional Loan record, Symitar Quest does allow you to enter a close date if the Loan Balance field is not set to 0.00.

You may use the Purge Account Processing batch program to delete a batch of External Loan records. To do this, an External Loan record must have a close date on or before the system date, but the External Loan Balance field does not have to be set to 0.00.

When the Close Date field has a value, the word “Closed” appears on the account tree.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Late Charge Due

This field stores the amount of any late charges the member must pay on the date entered in the Next Payment Due Date field.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Statement Group

This field stores the credit union-defined statement group for the loan.

You can use this field to categorize loans for reports, displays, and statement printing. Enter the number of the statement group (0-99) that includes statements for this loan. Whenever the Statement Generation batch program generates statements for the statement group specified in this field, Symitar Quest produces the statement for this loan.

Statement Mail Code

This field stores a code that defines how the statement should be sent to the member.

Data Type Descriptions
(0) Normal
This loan should be mailed to the member in the usual manner.

1–99
This loan should not be mailed to the member. The use of these non-mail codes is entirely user-entered. You can use these non-mail codes to categorize reasons for not mailing statements: incorrect address, foreign address (extra postage required), employee account, etc.

If you have defined custom text descriptions for each mail code in Statement Mail Code Names Parameters, those text descriptions display in the drop-down menu when revising this field. This helps you select the correct mail code as defined by your credit union. Symitar Quest displays the description and the mail code in the field; however, only the mail code is included on the member’s statement.

The Statement Generation batch program can use this field to sort loan statements.

Statement Cutoff Date

This field stores the statement cutoff date for the loan.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Statement Previous Date

This field stores the date of the last statement for the external loan.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Balance

This field stores the principal balance of the loan on the date it was last updated.

The External Loan edit updates this field when the third-party file indicates that a payment was made and the principal on the loan has changed.

Depending on when it was last updated with an edit run, this amount may not accurately reflect the balance on the loan.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Payment Due

This field stores the total payment amount for the loan.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Next Payment Due Date

This field stores the due date for the total payment amount stored in the Payment Due field.

Depending on when it was last updated, this date may not be in the future, and the member may already have made the payment.

The system considers a loan with this field in the past delinquent even though it may be current on the third-party system.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Credit Limit

This field stores the credit limit of the external loan. This field is for informational use only. It is up to the third-party processor to use this field.

The system uses the values in the Available Credit and Available Cash Advance fields to determine the available advance amount on a loan.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Available Credit

This field stores the available credit amount provided by the external loan provider.

The system initially sets this field value to 0.00 for closed-end loans.

The external loan provider provides this field value. This field is not updated when a Loan Advance (LA) transaction is performed. The third-party provider must supply a new file to update the field.

External loan providers may provide negative values for this field, but this field does not accept them. The Loan record Available Credit field accepts negative amounts, and external loans represented by Tracking records accept negative amounts, but when converting to External Loan records code to update this field via file maintenance, the code must be written to exclude negative values or the file maintenance fails.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Cash Advance Limit

This field stores the cash advance credit limit of the external loan.

This field is for informational use only. It is up to the third-party processor to use this field.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Available Cash Advance

This field stores the available cash advance provided by the external loan provider.

The system initially sets this field value to 0.00 for closed-end loans.

The external loan provider provides this field value. This field is not updated when a Loan Advance (LA) transaction is performed. The third-party provider must supply a new file to update the field. The system performs the following calculation to determine what cash is available for advance on the loan:

Available Cash Advance field value - Advance Since Update field value = available cash advance

The Cash Advance Limit field value is not checked.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Advance Since Update

This field stores the accumulated amount of all advances since the core FICS® server program last updated the status of the External Loan record.

Info Last Update Date

This field stores the date on which the External Loan record was last updated by an edit run.

Last FM Date

This field stores the date of the last file maintenance of this External Loan record.

Whenever you perform file maintenance on this External Loan record using Account File Maintenance or the File Maintenance (FM) teller transaction, the system updates this field with the system date.

You cannot perform file maintenance on this field

Record Change Date

The system stores the system date in this field when you create, change, or save the record. Sometimes the system updates this field because the record was saved, even though there may not be any actual changes in the record.

Note: The system does not change the Record Change Date when a calculated field changes.

You cannot perform file maintenance on this field.

Last Transaction Date

This field stores the date of the last teller or batch transaction that affected the External Loan record.

The system updates this field with the posting date of the last monetary transaction posts to the loan.

This field is used for informational purpose only. You cannot perform file maintenance on this field.

Impound Payment

This field stores the impound payment amount for the mortgage loan.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

P&I Payment

This field stores the amount of the member’s scheduled principal and interest payment for the date entered in the Next Payment Due Date field.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Escrow Payment Total

This field stores the amount of the member’s escrow payment for the date entered in the Next Payment Due Date field.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar stores it in a temporary field. This value may not be the value stored in the Symitar database. The system displays this temporary field value in this field, followed by two asterisks (**), instead of the value in the Symitar database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access the temporary field rather than this field.

Warning 01 Code - Warning 20 Code

These 20 fields can each contain a code that identifies a different credit union-defined warning to apply to this loan.

Data Type Descriptions
(0) No Warning Code
No credit union-defined warning

1–999
A credit union-defined warning code to apply to this external loan

Depending on your parameters, you can select a code from up to 999 different warning codes.

The Expand Warning Codes Miscellaneous parameter, which can be used to limit the number of warnings that appear, does not affect the number of warnings that appear for the External Loan record, regardless of the setting, all 20 warning codes appear.

You can set warning codes to expire automatically by using these fields together with Warning 01 Expiration - Warning 20 Expiration fields.

Warning 01 Expiration - Warning 20 Expiration

These 20 fields can each contain a date after which the corresponding warning should no longer apply to the loan.

At any of these fields, you can enter a date after which the corresponding warning (see Warning 01 Code - Warning 20 Code) should no longer apply to the external loan.

If you select a value at a Warning # Code field, but you do not enter a date at the related Warning # Expiration field, the warning remains in effect indefinitely or until you remove the value in the Warning # Code field manually.

The third-party software, not Symitar, determines external loan derogatory status. If a loan becomes current, the system sets the Warning # Expiration field in the External Loan record to the current system date instead of setting the Warning # Code field to zero. A detail inquiry lists the delinquent loan warning and its expiration date. You can display a detail inquiry on the Account or External Loan record to determine when it became current.

Service 1 - Service 8

The eight Service # fields can each contain a code that identifies a different credit union-defined credit union services offered with an external loan (for example, an ATM card, a debit card, or access to the audio response system).

Data Type Descriptions
0
No credit union-defined service

1–99
A credit union-defined service code offered with the external loan

Non-Displayed Fields

These External Loan record fields do not appear in the system and are only accessed by PowerOn specfiles or SymConnect.

Locator

This field stores a unique number within each member account that can be used as a unique identification of this record.

The system automatically assigns the value in this field when the record is created, and you cannot change it. The value is a positive number greater than zero and up to about two billion.

This field can be used during PowerOn file maintenance (both on demand and batch) to uniquely identify a record. Using this field is recommended since a record’s ordinal sequence number may change if someone else inserts or deletes a record with a lower ordinal sequence number just before you post your file maintenance.

Balance **

This field contains the principal balance of the loan on the date it was last updated from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

P&I Payment **

This field contains the amount of the member’s scheduled principal and interest payment for the date entered in the Next Payment Due Date** field from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Escrow Payment Total **

This field contains the amount of the member’s escrow payment for the date entered in the Next Payment Due Date** field from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Impound Payment **

This field contains the impound payment amount for the mortgage loan from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Late Charge Due **

This field contains the amount of any late charges the member must pay on the date entered in the Next Payment Due Date** field from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Payment Due **

This field contains the total payment amount for the loan from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Next Payment Due Date **

This field contains the due date for the total payment amount stored in the Payment Due** field from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Statement Cutoff Date **

This field contains the statement cutoff date for the loan from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Statement Previous Date **

This field contains the date of the last statement for the external loan from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Close Date **

This field contains the date a loan is closed from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Credit Limit **

This field contains the credit limit of the external loan from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Available Credit **

This field contains the available credit amount from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Last Advance Date **

This field contains the last time an advance was taken against the loan from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Cash Advance Limit **

This field contains the cash advance credit limit of the external loan from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.

Available Cash Advance **

This field contains the available cash advance from the external provider database.

Note: If you have near-real-time capability, when you access this record the external provider sends updates to this value from their database and Symitar Quest stores it in this temporary field. This value may not be the value stored in the Symitar Quest database. Symitar Quest displays this temporary field value in the related field, followed by two asterisks (**), instead of the value in the Symitar Quest database. This display occurs only as long as the user is in the account. To access this temporary value with a PowerOn specfile, you must access this field rather than the Symitar Quest database field.