Participant's Guide - Effective Training · PARTICIPANT GUIDE CenTrax NEXT Training ii | P a g e Marquis User’s Conference Training Objectives HMDA FILE PREPARATION • GEOCODE

PARTICIPANT GUIDE

CenTrax NEXT Training

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Marquis User’s Conference Training Objectives

HMDA FILE PREPARATION

• GEOCODE

• IDENTIFYING EXCEPTIONS

• DATA CORRECTIONS

• FIELD GROUPS

• SAMPLEPRO

FAIR LENDING EXAM PREPARATION

• REPORTS

• FAIR LENDING EXCEPTION TRACKING

O UNDERWRITING TOOL AND REPORTS

• FAIR LENDING MATCHED PAIRS

O DECISIONING ANALYSIS

O PRICING ANALYSIS

• MANAGEMENT DISCUSSIONS

CRA EXAM PREPARATION

• PERFORMANCE CONTEXT

• DEMOGRAPHIC REPORTS

• ANALYSIS REPORTS

• MAPPING


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HMDA FILE PREPARATION

- Geocode Exceptions and Source

- Identifying Exceptions

- Data Corrections

- Field Groups

- Utilizing SamplePro


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FILE MANAGER

Path: Settings/File Manager

File Manager houses all of the CenTrax Files for the selected institution and is where CenTrax Files can be

added, deleted, and selected.

Delete: The Delete button will PERMANENTLY delete the selected CenTrax File within the list and it CANNOT

be recalled within the software once deleted.

Recall: The Recall button will recall any deleted records within the highlighted CenTrax File.

Purge: The Purge button will permanently remove any deleted records within the highlighted CenTrax File.

Add New: The green Add New button will create a new CenTrax File.

The up/down arrows shown for each column allow for sorting the list in ascending/descending order by the

preferred column. Simply click on the arrows within the desired column.


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GEOCODE

Path: Data Processing/DataPro/Geocode

The Geocode process within CenTrax NEXT will FIRST connect to the FFIEC’s geocode site to pull down any

geocode information found for the address on the record, and if no match is found, it’ll attempt to locate a

match within the Marquis Address deck.

Let’s identify what geocode exceptions or errors exist on the records within the selected file.

GEOCODE EXCEPTIONS:

This report can be used to identify the records that have geocode exceptions and require some research on

valid geocodes to place on the record.

The geocode exception codes are:

9999.01 9999.02 9999.03

9999.04 9999.05 9999.06

9999.07 9999.08 9999.09

9999.04

Invalid

Click the Export button to choose a file format for printing the report: PDF, Excel and CSV.


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MANUAL GEOCODE

Path: Discovery/Manual Geocode

The purpose of Manual Geocode is to easily manage records where a geocode was not found during the

Geocode process. You can identify those records with specific Geocode exceptions and search within the

CenTrax Address Database as well as compare any address modifications against FFIEC to update the records

with appropriate geocode information if a match is found.

1: Find Similar Locations: If FFIEC is unable to locate the address, the Find Similar Locations enables you to

search within our Address deck for similar addresses to determine the geocode combination and apply it, if

desired.

2: Filtered: To further isolate to specific geocode exceptions, place a check mark next to the box beside the

desired exception and click the Filtered button.

3. Geocode: This button allows you to compare any address changes to the FFIEC geocode site to apply

geocode data if a match is found. If a match is found, this button will change to Apply in order to apply FFIEC’s

findings to the record.


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EXCEPTIONS REPORTS

Path: Discovery/Reporting/HMDA Exceptions Report

To identify the records with exceptions and what those exceptions are, you’ll run the exceptions report.

HMDA Exceptions Report:

While you have the ability to exclude exceptions, it is not recommended when running the final Exceptions

report directly prior to your submission process.

EXCEPTION TYPES:

• Validity: The specified data is reported incorrectly and must be corrected. The most common

example is an incorrect census tract.

• Quality: The data in question does not agree with an expected standard (value). Review for

correctness and change only if erroneous data has been reported. An example is reported application

date is equal to action taken date.

• Syntactical: The loan applications will not be loaded. If they should be included, the data must be

corrected. Some examples are incorrect activity year used in your submission, or initial LAR data (T2

record) already on file, which indicates that a LAR with a duplicate loan application number was

submitted.

• CenTrax: The data in question is not common or expected yet doesn’t fall within the Validity, Quality

or Syntactical edits. An example would be the record contains Rate Spread information yet is not an

originated loan.


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To select an exception to exclude:

• Place a check mark in the box next to the desired one(s) to be excluded.

• To exclude all of a certain type, click on the button located at the bottom of the list to exclude all

Validity, Quality or CenTrax exceptions.

To exclude ALL exceptions, click the Tag All button.

To remove any exclusion selections, click the Clear All button.

Summary Only: To see a summary of all exceptions rather than a detailed account list of those with

exceptions, place a check mark in the Summary Only box before clicking the Process button.


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DATA ENTRY

Data Entry is where any corrections or changes can be made to an individual record as well as manually add

new records. Use the filter window to isolate a specific record and click on the record to choose Edit.

1. When you click on a record within the list, you’ll have three options: Edit, Print or Delete. You can also click

on a record and click the Delete button in the upper right-hand corner of the screen.

2. The Restore button will bring up a list of deleted records that can be restored. Within the Restored window

is a search box that allows for locating a record to apply the restoration.

3. The Add/Remove Columns allows the customization to the fields that will be displayed within the grid in

Data Entry and, if a customization is made, the field group will be available for selecting within the

Discovery/Research section in the software.


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To reset back to the Marquis Default, click the Reset To Default button.

To add records manually to the file, click the green Add New button located in the upper right-hand corner of

the page. This will bring up a record page containing five tabs of fields: Applicant & Property, HMDA Loan

Info, AUS, Fair Lending, CRA, and, if you have any created, a UDF tab.

The Account Number field is required to create a unique record, however, you will not need to type in the

ULI as the system will apply that once the record is saved.

The Validate button will check the record for any Validity, Quality, CenTrax and Geocode exceptions. Please

note, the tab that is selected or active will drive what exceptions the validate process will look for. If the CRA

tab is active, the validate process will bring up any CRA or CenTrax edits on the record.

The Print button will create an Account Detail report that can be printed to PDF.


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FILTERING

Path: Discovery/Research

Filtering is a way to isolate records that meet specific qualifications and is available within different areas in

the software, but its main use or requirement will be within the Discovery/Research section.

3-Step Filtering

1: Click the plus symbol to add a New Filter conditions box. The plus symbol is always used to add a new

condition so click it to add as many conditions as needed for your filter. The default connector will be “AND”

but it can easily be toggled to OR by clicking on the AND box that will be present.

2: Select a field by clicking in the box. Start typing in the name of the field to utilize the search function.

3. Select an operator by clicking in the box. The search function is also available within the operator box as

well.

4. Type in or select a value by clicking in the box


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Filter Menu Options

When a filter is in place within the Filter Window, there are some extra menu items that can be applied to that

filter or window.

Save As: Save the filter conditions that were built so they may be reused at another time without needing to

build again.

Join Existing Filter: Attach another saved filter to the existing filter within the filter window.

New: Empty out the filter window so a new one may be built.

Open: Enables the selection of existing saved filters.

Rename: Change the description of the selected filter.

Filter Manager: This gives the ability to delete and/or rename multiple filters from a list.

Clicking the Filter button(s) located on the left-hand side of the window will slide the filter window out of view.


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Fast Filter Menus: , , and

The Fast Filter menus are designed to provide a shortcut to building filters on commonly used fields, so not all

fields will be displayed here.

Place check marks in the desired selections, type in any numeric ranges or date ranges and, once all

selections are made, click the Add to Filter button to place the filter within the filter window.

A CenTrax NEXT Filter eLearning Module is available within the secure portion of the www.gomarquis.com

website that can be reviewed for more details on filtering within CenTrax NEXT.

http://www.gomarquis.com/


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FIELD GROUP MANAGER

Path: Settings/Field Group Manager

Alternate Path: Discovery/Research/Field Group

Field Groups are utilized within the Discovery/Research for viewing specific data of filtered records or kicking

out data of filtered records. However, they can also be applied within certain reports and processes such as

SamplePro.

When clicking on a Field Group within the list in Settings/Field Group, there are 2 menu options: Edit and

Delete.

Click the green Add New button to create a new field group.


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1: Utilize the search box to easily identify and select the desired fields.

2: Use the arrows to move the fields over into the selected box or to remove them from the selected box.

3: Change the order of the selected fields by highlighting a desired field and clicking the up or down arrows to

the desired location within the list.


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SAMPLEPRO

Path: Data Processing/SamplePro

SamplePro is designed to automate the pulling of sample files for auditing purposes. Either utilize a

designated number or percentage of records OR pull the sample size based on FFIEC’s sample guidelines.

1: A filter can be applied, if desired. Simply click the drop-down arrow in the Group to select the Filter Group

and then click the drop-down arrow in the Filter box to select the desired filter.

2: The Field Definition will be the Field Groups that have been created. To create a field group, navigate to

Settings/Field Group to add a new group to be applied to the SamplePro.

3: There are three methods available to use:

• Number of Records: Type in the number of records to be pulled from the active file for the sample.

• Percent of Records: Type in the percentage of records to be pulled from the active file for the sample.

• FFIEC Guidelines 2018 – Sample Size: Click the drop-down arrow to select the range of LAR Lines that

exist within the active file to determine the number of records to be pulled for the sample.


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4: If desired, there is an option to mark a UDF to identify those records that have been sampled. Click the

drop-down arrow in the Field to Mark box and then, within the following box, type in or make the desired

selection based on the format of the selected UDF.

5: Type in the File Name for the sample file to be created.

To process the SamplePro, place a check mark in the box located to the left of the SamplePro description and

click the Run Now button.

To create a new SamplePro, click the green Add New button located in the upper left-hand corner. Make the

necessary selections and click the Create button that will be located at the bottom of the SamplePro setup.


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FAIR LENDING EXAM PREPARATION

- Reporting

- Fair Lending Exception Tracking

• Underwriting Tool and reports

- Fair Lending Matched Pairs

• Decisioning

• Pricing

- Management Discussions


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Action Code Summary Report

Path: Discovery/Reporting/Reports

The Action Code Summary Report provides both summary information for each action code and the disparity

ratios for adverse action types amongst commonly analyzed segment groups.

The action code summary report is available in 5 different reports: All records, records within a selected

County, State, MSA or Tract group. Click on the report based on your desired analysis needs.


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Click on the Filter button to access the report parameters which controls what data is in the report and how it

is presented.

Click and drag down the line with the 3 dots to display any other filter fields as only the first four

available fields will display when initially clicking the filter button.

1: The date field to apply the filtered range to can be either the Action Date or the Application Date. Click

the drop-down arrow within that field to select the desired date field.

2: There are four balance fields to select from: HMDA, Original, Current and Alternate. Click the drop-down

arrow to change the selection to whichever balance field is desired.

3: Either type in the desired date or click the calendar button to the right of the start and end date boxes to

select a date range to apply to the report.

4: By default, the report will say Yes to include Purchased loans. If you would like to exclude them, simply click

the drop-down arrow and select No.

If a report by County, State, MSA or Tract Group selection was selected, another field would be available

within the Filter section to make that selection.

After all selections are made, click the Update Result button. This will tell the system to refresh the report

with the new field selections made within the Filter section.


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Pricing Snapshot


The Pricing Snapshot report provides an overview of the potential application disparity for underwriting and

pricing, focusing on benchmark and statistical disparities for all prohibited basis groups.


is presented.

Click and drag down the line with the 3 dots to display any other filter fields as only the first four

available fields will display when initially clicking the filter button.

1: The default value for the Denial Disparity Benchmark % is 200 but this value can be modified to fit your

situation. Click in the box, type in the desired value and hit the ENTER key on your keyboard to retain the new

value.

2: The default value for the Other Disparity Benchmark is 0.25 but this value can be modified to fit your

situation. Click in the box, type in the desired value and hit the ENTER key on your keyboard to retain the new

value.

3: The geographic area will determine what area to pull the census tracts from. You will have four selections:

State, County, MSA/MD, and Tract Group. Whatever is selected here, will drive what is selected in the list of

filter options following. For example, if State is selected, you will then navigate to the State/Province field, click

the drop-down arrow and select the desired State.


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After all selections are made, click the Update Result button. This will tell the system to refresh the report

with the new field selections made within the Filter section.

1: When a control group is available, it will be identified by a green box to the left of it. This would be White,

Male, or Non-Hispanic segments. All other segments within the group will be considered Targets.

2: Any disparities identified that are greater than the parameter set within the Filter fields, an orange bar will

be displayed to the right of that disparity.

The Denial Disparity information will be displayed first, followed by the pricing disparity information, such as

Interest Rate and Fee disparities, when scrolling further to the right.


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FAIR LENDING UNDERWRITING

Path: Settings/Fair Lending/Underwriting Criteria

The Fair Lending – Underwriting Criteria is used to determine whether underwriting practices are being

applied to the applications and then apply an override status for analysis purposes.

The Underwriting setup utilizes the Account types to apply the underwriting criteria to assign an override

status. The Account Type codes must be present in the Settings/Product/Account Types, as well as be

assigned to the applications within your file, in order for it to operate successfully.

1: To create a new underwriting criteria for an account type, click the green Add New button.

2: Clicking on existing underwriting criteria will bring up menu options to Edit, Delete or Copy the highlighted

setup.

3: The button located to the left of the X is a copy button that allows you to copy an underwriting group

and apply that same setup to another account type.


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4: When you click the a window will appear with a drop-down arrow to select another account type. Select

the account type and click the Copy button to create the underwriting criteria.


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The setup of the underwriting criteria consists of 3 items:

1: Select the account type – only one underwriting criteria can be created for an account type for the date

range.

2. Date range – a date field must be selected and a date range selected that does not fit within an already

established underwriting criteria. There cannot be any crossover.

3. There are select Credit and Percentage/Rate fields available for setting underwriting ranges. The starting

range will be a less than value and the ending range will be a greater than range. There is no equal to range.

Once the underwriting criteria has been set up, you’ll maneuver over to the Discovery/Research window to

process the Fair Lending Overrides.

Once processed, go to Discovery/Reporting/Reports and locate the Fair Lending Exceptions report.


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If you are having trouble finding it, simply type “Fair Lending” into the Search box at the top of the report

screen.

Click on the description of the report.

1: Click the Filter arrow to drop down the filter selections. Make any desired changes to any of the selections.


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2: The Update Results button must be clicked in order for the report to refresh itself to reflect any changes

made to the Filter selections.

There is a detailed section at the top of the report:

A summary lies at the end of the report:


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Another Fair Lending report that displays the decision information is the Decision Analysis report.

If you are having trouble finding it, simply type “Decision Analysis” into the Search box at the top of the report

screen.


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1: Click the Filter arrow to drop down the filter selections. The default Override Status will be set to User

Override Status. Click the drop-down arrow to select System Override Status, which is the status that is

made during the Fair Lending Override process.

2: The Update Results button must be clicked in order for the report to refresh itself to reflect any changes

made to the Filter selections.


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MATCHED PAIRS SETUP AND REPORT

Path: Settings/Fair Lending/Matched Pair Tolerance Setup

Path: Discovery/Reporting/Matched Pairs Report

Matched Pairs is designed to compare similarly situated applicants that have applied for the same product to

ensure fair lending.

What is a Matched Pair?


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1. Group: Contains a definition or definitions with set matched pair tolerances tied to those definitions. It is

suggested to name this based on what conditions are going to be used such as the action codes within the

definition and/or the fields used in the tolerance

2. Definition: Defining the action codes for the Control and Target group

3. Tolerance: The tolerance is going to be the range or applicable increase or decrease when comparing the

target to the control. More than one tolerance can be added to the definition.


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Note: When making changes, additions or deleting, be aware of what is highlighted. If you have a group name

highlighted within the list, the only options you will have available to you will be New Definition or New

Group. If you click Delete while your group is highlighted, ALL tolerances within it will be deleted.

To add a New Tolerance, you must first click on the Definition that the Tolerance needs to be added to.

To add a New Definition, you must first click on the Group that the Definition needs to be added to.

The Matched Pairs report can rely on solely the Action codes designated during the setup process or you can

run the Matched Pairs Target and Control process with specifc filter conditions in place after the Tolerances

have been set up to drill down further in defining the Target and Control groups.


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Path: Discovery/Research/Output

Build and activate the filter prior to clicking Target/Control Group Definition within the Output options.

Select which group the particular filter will be identifying and click the Process button. Click on the filter

button to edit the filter and activate. Repeat the Output process, choosing the other group this time.

When ready to process the report, navigate to Discovery/Reporting/Matched Pairs.


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1: The Field Set will be the fields kicked out in the Matched Pairs Report. There is the default report but you

can also click the drop-down arrow to select a Field Group that was created. The Tolerance definition will list

out the available Matched Pair Tolerance definitions to choose from. Only one can be chosen at a time.

2: The Geographic Area will drive those records that are displayed on the report.

3: The Date field will determine which records to apply the tolerance. You will need to select the Date field as

well as type in/select the date range.

4: The check boxes allow for the choice of including any Concur or Reviewed applications as well as to use the

Control/Target designations made through the Fair Lending Group Utility used within Discovery/Research.

The Report Header and Footer boxes are located at the bottom of the report to place in a customized header

and/or footer, if desired.


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MANAGEMENT DISCUSSIONS

What are these reports telling us?

What needs to be presented to the line of business?

Who needs to know this information and who should these findings be presented to?


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CRA EXAM PREPARATION

- Performance Context

- Demographic Reports

- Analysis Reports

- Mapping


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TRACT GROUPS AND ASSESSMENT AREAS

Path: Settings/Tract Groups/AAs

Tract Groups and Assessment Areas are used to assist with lending analysis as well as part of the reporting

needs when reporting CRA.

1: Tract Group Details is where the Name, Activity Year and Reportable CRA Assessment Area flag is

updated.

2: Find Available Tracts is where the geography is isolated. The State, MSA and/or County can be selected

and then further filter options allow for an even closer drill down.

2: Selected Tracts is where the tracts will display that were selected using the single right arrow or the

double right arrow.

Be sure and check the box within Tract Group Details that flags the group as a Reportable CRA Assessment

Area.


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Tract Group Assessment Area Report – Detail and Summary


The Tract Group Assessment Area report can easily identify what tracts are within a group as well as update

the CRA Public File.


is presented.

Click and drag down the line with the 3 dots to display any other Filter Fields as only the first four

available fields will display when initially clicking the Filter button.

Within the Assessment Area field, click the drop-down arrow to select the desired Assessment Area. After

each selection is made, click the Update Result button.


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A list of the census tracts broken down by County and MSA will be displayed. Scrolling to the bottom, you will

see a summary grid that gives the total selected tracts as well as the total tracts within each county

represented in the selected Assessment Area.


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Demographic Summary by Tract Category Report


The Demographic Summary by Tract Category Report provides a broad snapshot of multiple demographic

categories to give a high-level view of the demographic characteristics of the selected geographic area.

The Demographic Summary by Tract Category report is available in 4 different reports: County, State, MSA or

Tract Group. Click on the Report based on your desired analysis needs.


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is presented.



1: Based on which report is selected, this field will have a list of items to choose from specific to that

Geographic Area. For example, if you select the Demographic Summary by Tract Category – Tract Group, then

this field will list out the Tract Groups/AAs that exist in your system to select from.

2: Click the drop-down arrow to select the desired Demographic Year.

3: By default, the report will say No to include Unclassified Tracts. If you would like to include them, simply

click the drop-down arrow and select Yes.

After all selections are made, click the Update Result button. This will tell the system to refresh the Report

with the new Field selections made within the Filter Section.


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Demographic Summary by Minority Category Report


The Demographic Summary by Minority Category Report provides a broad snapshot of multiple demographic

categories to give a high-level view of the demographic characteristics of the selected Geographic Area.

The Demographic Summary by Minority Category Report contains the same setup and parameter selection as

the Demographic Summary by Tract Category Report.


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Tract Activity Profile


The Tract Activity Profile Report can be used to isolate tracts that HAVE or HAVE NOT been penetrated to

identify those areas that need a bigger focus on lending efforts.


is presented.



1: There are four Balance fields to select from: HMDA, Original, Current and Alternate. Click the drop-down

arrow to change the selection to whichever Balance field is desired.

2: This selection will determine what Census Tracts within the selected Geography will display. You have four

options:

• Balance is GREATER than

• Balance is LESS than

• Number is GREATER than

• Number is LESS than


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This Field is used together with the “Enter a value” field to determine which tracts will be displayed on the

Report. Based on your selections, you can identify those tracts that HAVE been penetrated, those that HAVE

NOT been penetrated or all tracts within the geography.

Below is an example of which selection will give you the desired scenario.

A.) To display Tracts that have been penetrated:

Number is GREATER than 0

B.) To display Tracts that have NOT been penetrated:

Number is LESS than than 1

C.) To display all Tracts – both penetrated and not:

Number is GREATER than -1

3: This will be the value that is applied to the “Show me census tracts where” selection.

4: The Geographic Area will determine what area to pull from Census Tracts. You will have four selections:

State, County, MSA/MD, and Tract Group. Whatever is selected will drive what is next selected in the filter

options following. For example, if State is selected, you will then navigate to the State/Province field, click the

drop-down arrow and select the desired State.

After all selections are made, click the Update Result button. This will tell the system to refresh the Report

with the new field selections made within the Filter Section.

The Census Tract combination will be the first column followed by various key Census Data Fields.


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At the far right of the report, the number of Loans and Deposit values will be present along with percentages.

This is where the identification for if the tracts have been penetrated or not will be found based on the

selection made within the Filter parameters.

A summary segment is located at the bottom of the report for Tract Income and Minority Levels.


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CRA Market Share Report

Path: Discovery/Reporting/CRA Peer Reports/Market Share

The CRA Market Share Report provides summarized information of Peer Data for the purpose of gauging

lending performance in the selected area.

There are two sections where selections must be made: Data Selection and Report Options

1: In the Data Selection Section, the criteria year as well as Analysis Area must be selected. There are four

Analysis Area selections that will drive what other field options are given: State, MSA/MD, County, and Tract

Group. Click the drop-down arrow in the desired fields to make your selections.

2: The Report Options Section is used to determine what data is represented in the report. The Show Me

drop-down arrow gives the ability to change what information will be displayed in the report. All of the other

selections will determine WHAT records will be presented in the report. Click on the radio dials and the boxes

to select the pieces that fit your analysis needs.

3: There is an option to create a Peer Group based on activity. To create a Peer Group based on the market

share report, place a check mark in the Create Peer Group box. Type a name in the Peer Group Name box,

and, if desired, alter the Activity percentages. It will default to 50% to 200%. The Peer Group will be created

once the report itself is generated.

Once the selections have been made, click the View Report button to generate the report.


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Click the PDF Export button to generate a .pdf copy of the Report.


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HMDA Market Share Report

Path: Discovery/Reporting/HMDA Market Share

The HMDA Market Share Report provides summarized information of Peer Data for the purpose of gauging

lending performance in the selected area.

There are three sections where selections must be made: Market Share Report, Data Selection and Report

Options.

1: In the HMDA Market Share Report Section, the criteria year as well as Analysis Area must be selected. There

are five Analysis Area selections that will drive what other field options are given: State, MSA/MD, County,

Tract Group and Aggregate Total. Click the drop-down arrow in the desired fields to make your selections.

2: The Data Selection is used to determine what data is represented in the report. The Criteria options for the

report are: Just One Institution, All Institutions, Peer Group, All Banks, Bureau, Credit Unions, FDIC, FRS,

Mortgage Cos, and OCC.

If “All Institutions” is selected, the Top Lenders defaults to 100. Click in the box to change the value from 100

to another value. Keep in mind, the higher the number, the longer the report could take to generate.

To exclude an Institution, place a check mark in the “Exclude an institution” box. A “Choose” button will

appear, click on it to select the desired institution for exclusion.


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3: The Report Options gives you the ability to change what data is displayed in the report. Click the drop-down

arrow for the Data Area to select one of the following data points:

Action HMDA Denial 1 HMDA Denial 2

HMDA Denial 3 HMDA Lien Status HMDA Loan Type

HMDA Occupancy HMDA Preapproval HMDA Property Type

HMDA Purchaser HMDA Purpose HOEPA Status

Joint Ethnicity Joint Minority Status Joint Race

Joint Sex Tract Income Level Tract Minority Level

To create a Peer Group based on the market share report, place a check mark in the Create A New Peer

Group box. Type a name in the Peer Group Name box, and, if desired, alter the Activity percentage. It will

default to 50% to 200%. The Peer Group will be created once the report itself is generated.

Once the selections have been made, click the View Report button to generate the report.

Click the PDF Export button to generate a .pdf copy of the Report.


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EXAM TABLES

Path: Discovery/Reporting/Exam Tables

The Exam Tables are designed to run reports designed to assist in becoming “Exam Ready”. At least one

Assessment Area must be created, and the tables can be processed on CRA and HMDA data as well as on the

Branch locations added within the Settings/Organizations/Branch setup.

1: A date range is needed in order to be able to process the Exam Table Reports. The date range can span

across several years, if desired, and will apply to the open/action date on the record.

2. All Assessment Areas will display within the list. Simply place a check mark next to the desired Assessment

Area(s) and then place a check mark next to the desired report table(s).

3. The Target Institution will default to Current but by clicking the drop-down arrow, a Peer Group can be

selected. The Target Market will default to All Institutions, but by clicking the drop-down arrow, a Peer Group

can be selected. These drive the percentages and rating that is located at the end of most Exam Table

Reports.

The Enhanced Tables enables more detailed values such as number and percentage of loans and parity

values.


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- Click on the Report Tab to see the details of that Exam Table.

- Click the PDF Export to create a .pdf copy of the Report.

- Click Excel Export to create the Report(s) in Excel format.


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MAPPING

Path: Discovery/Research/Output/Map

The mapping function allows for placement of applicants or originations to identify where the lending is

occurring as well as to have a color theme for the area to understand the Tract Income of that same area.

Mapping requires a filter condition isolating a Tract Group to use for the map. The purpose is due to the map

placing an automatic color theme based on that Tract Group filter condition and to identify what location to

open to on the Map.

1. The Field you select is called Tract Group and you can type in the Field box to apply the search. Set the

Operator to Equal To and within the Value box, click the drop-down arrow to select an Assessment Area or

Tract Group. Click Done once it’s been created and click the Activate button to apply the filter.

It is best practice to save this filter so that you can easily select it if you need to create more maps for the

same area.

2. Once the filter is in place, click the drop-down arrow in the Output box and select the Map option.

1

2


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1: The Tract Income Level is based on the Tract Group selected within the filter and the color can be modified

by clicking the drop-down arrow next to the desired level to select a new color.

2: The Controls box contains layers that can be turned on such as Dot Density, Cities, and Radius Circles.

• The Show button will enable the layer. When a layer is enabled, the button will change to Hide which

will disable the layer when clicked.

• The Data Column will determine what field of data the Symbols and Dot Density are based on.

• Tract Width will determine how thick the delineator lines are for the census tracts. Slide the bar to

the left to make them thinner and to the right to make them thicker.

• The Dot Density color box contains a slider underneath it that will determine the size of the dots.

Slide to the right to make them larger and to the left to make them smaller.

• Tract Opacity will determine how see-through or bright the color should be. Slide to the left to make

it more see-through and to the right to make the color brighter and thicker in visibility.

• The Draw Circle layer is the radius ring drawing tool. Once enabled, it is immediately in “draw” mode

so when you next click on the Map, it will mark that as the center of your circle. Move your mouse out

to the desired miles, which will be displayed as you are moving, and click again to complete the draw

process. Keep in mind that it will STILL be enabled so you’ll want to click on the Hide button to disable

it.

• The Title box gives the ability to place your own Title for the Map when clicking the Print button.


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3: Clicking on the map will bring up a menu to place a site marker on the designated location on that map. To

remove a site marker, click on the Marker symbol or name and select Ok in the confirmation message.

Once the map is displaying as desired, click the Print button within the Conditions Box to create a report

format map.

There is an option under Output called Map Data Export. This will create a file that can be used with the

Caliper Maptitude software to create Maps outside of the CenTrax NEXT platform.


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RESOURCES

Below is a reminder of the resources available should you have any further questions or simply need

refreshers on anything that was covered during this week’s training.

Technical Support: (800) 627-5388 or [email protected]

Sales/Consulting/Learning and Development: (800) 365-4274 or [email protected]

For accessing the training videos, procedures and eLearning courses, please go to www.gomarquis.com and

log in under the Client Login. Within the CenTrax product, click on CenTrax NEXT.

For future training classes available at the Marquis Headquarters, visit the calendar located at

www.gomarquis.com and register using your email address.

mailto:[email protected]

mailto:[email protected]



Documents

Participant's Guide - Effective Training · PARTICIPANT GUIDE CenTrax NEXT Training ii | P a g e Marquis User’s Conference Training Objectives HMDA FILE PREPARATION • GEOCODE