Microsoft Lending Reference Architecture Mike Walker Financial Services Architecture Strategist http://blogs.msdn.com/MikeWalker http://msdn.microsoft.com/architecture/orlos

Logical Model Presentation Layer Web Based Portal Extensible UI Application Services Layer Office Clients Business Rules Engine Centralized Business Rules Orchestration Layer SQL Server 2005 3rd Party External Mortgage Providers Lending Message Bus Statefull Web Services Stateless Web Services Business Process Management User Interface Framework Unified Collaboration Business Intelligence Enterprise Content Management Data Services Layer Data Services Layer Portal Framework Workflow Search Business Data Catalog Security Framework Open XML Formats

A Walk-Thru MOSS - Application Services Layer I need a loan… I am going to go to WoodGrove Bank Broker Master Loan Flow (MLF) Active 1003 Entry Pricing Lock Services Underwriting Close Lending Message Bus LOB Systems B2B Business Rules Engine Orchestration Layer Loan Forms

Registration Workflow Translating Business Process into WF InfoPath Flows Registration Pricing Lock Approval Process Master Loan Flow (MLF) Activate Register Loan Lock Processing Services Underwriting Doc Gen Fund

Global Workflow Interactions Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close InfoPath Flows Registration Pricing Lock Approval Process Integration Services Underwriting Rules Decision Engine Enterprise Loan Orchestrations (ELO) Products and Pricing Flow (PPF) Rate Entry Approval Processes Rates Published Blackout Over

New Home Page My Pipeline

Mortgage Calculator

“ My Sites” for Broker Online Mortgage Personnel My Documents My Profile

Property Screen S+S MLS Lookup Web Service WS Call RETS Standard Lookup Table with ID to Property Pairs ADO.Net

Document Generation Master Loan Flow (MLF) Activate Register Loan Lock Processing Services Underwriting Doc Gen DocGen Service Call Web Service - Pass Document Name (Ex: Truth in Lending) and the InfoPath XML Retrieve Mappings and Word Document Template from SQL New Document Library for Borrower DocLib should be named what ever the <LoanID> is. Fund Fire Event Custom Controls in document

Broker MLF Screen Workflow        

Excel in Secondary Workflow Collections Document Library Farm-level Workflow Association Table Rate Alerts LOB Integration Persist to database

InfoPath Loan Application Screen Document Library <?xml version=&quot;1.0&quot; encoding=&quot;utf-8&quot;?> <xs:schema xmlns=&quot;http://tempuri.org/MORTGAGE_APPLICATION_v2_1&quot; elementFormDefault=&quot;qualified&quot; targetNamespace=&quot;http://tempuri.org/MORTGAGE_APPLICATION_v2_1&quot; xmlns:xs=&quot;http://www.w3.org/2001/XMLSchema&quot;> <xs:element name=&quot;LOAN_APPLICATION&quot;> <xs:complexType> <xs:sequence> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;_DATA_INFORMATION&quot; <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;ADDITIONAL_CASE_DATA&quot; /><xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;AFFORDABLE_LENDING&quot; /> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;unbounded&quot; ref=&quot;ASSET&quot; /> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;unbounded&quot; ref=&quot;DOWN_PAYMENT&quot; /> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;GOVERNMENT_LOAN&quot; /> <xs:element minOccurs=&quot;0&quot; maxOccurs=&quot;1&quot; ref=&quot;INTERVIEWER_INFORMATION&quot; /> MISMO XSD

Underwriter Approval Process Embedded InfoPath form with IRM Protection BizTalk Office SharePoint Server 2007 1. Underwriter Rules Fired 2. MLF Starts UW Workflow Loan Origination System Underwriter (UW) WF 3. Loan Approval Form Sent 3. Return signed with manual corrections Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close

Lending Message Bus Architecture MISMO Accelerator XML Adapter File Adapter Orchestration Services Business Rules Engine File Landing Zone Files Custom XML FannieMae Files MISMO XML MISMO XML