| @LoanOriginationFeature |
| Feature: Loan Origination |
| |
| @TestRailId:C4649 |
| Scenario: Verify loan originator registration, attachment to loan, and persistence through approval and disbursal |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Merchant Partner Alpha" |
| Then Loan originator is created successfully with status "ACTIVE" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| Then Loan details with association "originators" has the originator attached |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| Then Loan details with association "originators" has the originator attached |
| |
| @TestRailId:C4650 |
| Scenario: Verify loan originator inline attachment with auto-creation during loan application |
| Given Global configuration "enable-originator-creation-during-loan-application" is enabled |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new Loan with originator inline submitted on date: "1 January 2025" |
| Then Loan details with association "originators" has the originator attached |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| Then Loan details with association "originators" has the originator attached |
| Given Global configuration "enable-originator-creation-during-loan-application" is disabled |
| |
| @TestRailId:C4651 |
| Scenario: Verify loan originator details in external business event after loan approval |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Event Test Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| When Admin approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then LoanApprovedBusinessEvent is created with originator details |
| |
| @TestRailId:C4652 |
| Scenario: Verify loan originator detachment from loan before approval |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Detach Test Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| Then Loan details with association "originators" has the originator attached |
| When Admin detaches the originator from the loan |
| Then Loan details with association "originators" has no originator attached |
| |
| @TestRailId:C4653 |
| Scenario: Verify that inactive originator cannot be attached to loan |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID, name "Inactive Originator" and status "PENDING" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| Then Attaching the originator to the loan should fail |
| |
| @TestRailId:C4654 |
| Scenario: Verify loan originator creation with all fields and persistence in loan details |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with all fields and name "Full Fields Originator" |
| Then Loan originator is created successfully with all fields populated |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| Then Loan details with association "originators" has the originator with all fields attached |
| |
| @TestRailId:C4655 |
| Scenario: Verify that originator cannot be attached to approved loan |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Post Approval Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Attaching the originator to the loan should fail with status 403 |
| |
| @TestRailId:C4656 |
| Scenario: Verify that originator cannot be detached from approved loan |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Pre Approval Detach Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Detaching the originator from the loan should fail with status 403 |
| |
| @TestRailId:C4657 |
| Scenario: Verify that same originator cannot be attached to loan twice |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Duplicate Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| Then Attaching the originator to the loan should fail with status 403 |
| |
| @TestRailId:C4658 |
| Scenario: Verify that non-attached originator cannot be detached from loan |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Not Attached Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| Then Detaching the originator from the loan should fail with status 404 |
| |
| @TestRailId:C4659 |
| Scenario: Verify that originator cannot be attached to non-existent loan |
| When Admin creates a new loan originator with external ID and name "Orphan Originator" |
| Then Attaching the originator to non-existent loan should fail with status 404 |
| |
| @TestRailId:C4660 |
| Scenario: Verify that non-existent originator cannot be attached to loan |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new default Loan with date: "1 January 2025" |
| Then Attaching non-existent originator to the loan should fail with status 404 |
| |
| @TestRailId:C4661 |
| Scenario: Verify loan originator creation without name succeeds with default handling |
| Then Creating a loan originator without name succeeds |
| |
| @TestRailId:C4662 |
| Scenario: Verify that user without ATTACH_LOAN_ORIGINATOR permission cannot attach originator |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Permission Test Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin creates new user with "ORIGINATOR_NO_ATTACH" username, "ORIGINATOR_NO_ATTACH_ROLE" role name and given permissions: |
| | READ_LOAN | |
| Then Created user without ATTACH_LOAN_ORIGINATOR permission fails to attach originator to the loan |
| |
| @TestRailId:C4663 |
| Scenario: Verify that user without DETACH_LOAN_ORIGINATOR permission cannot detach originator |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Permission Detach Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| When Admin creates new user with "ORIGINATOR_NO_DETACH" username, "ORIGINATOR_NO_DETACH_ROLE" role name and given permissions: |
| | READ_LOAN | |
| Then Created user without DETACH_LOAN_ORIGINATOR permission fails to detach originator from the loan |
| |
| @TestRailId:C4664 |
| Scenario: Verify loan originator persistence through full loan lifecycle with repayments |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with all fields and name "Lifecycle Originator" |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 1000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| When Admin attaches the originator to the loan |
| Then Loan details with association "originators" has the originator with all fields attached |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| Then Loan details with association "originators" has the originator with all fields attached |
| When Admin sets the business date to "1 February 2025" |
| And Customer makes "AUTOPAY" repayment on "1 February 2025" with 340 EUR transaction amount |
| Then Loan details with association "originators" has the originator with all fields attached |
| When Admin sets the business date to "1 March 2025" |
| And Customer makes "AUTOPAY" repayment on "1 March 2025" with 340 EUR transaction amount |
| Then Loan details with association "originators" has the originator with all fields attached |
| |
| @TestRailId:C4665 |
| Scenario: Verify multiple originators on a loan with add, update, and detach operations |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "First Originator" |
| When Admin creates a second loan originator with external ID and name "Second Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| When Admin attaches the second originator to the loan |
| Then Loan details with association "originators" has 2 originators attached |
| When Admin updates the originator name to "First Originator Updated" and status to "ACTIVE" |
| Then Loan details with association "originators" has originator with name "First Originator Updated" |
| When Admin detaches the originator from the loan |
| Then Loan details with association "originators" has 1 originator attached |
| And Loan details with association "originators" has the second originator attached |
| |
| @TestRailId:C4666 |
| Scenario: Verify loan originator persistence through undo approval |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Undo Approval Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| Then Loan details with association "originators" has the originator attached |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Loan details with association "originators" has the originator attached |
| Then Admin can successfully undone the loan approval |
| Then Loan details with association "originators" has the originator attached |
| |
| @TestRailId:C4667 |
| Scenario: Verify loan originator persistence through undo disbursal |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Undo Disbursal Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| Then Loan details with association "originators" has the originator attached |
| When Admin successfully undo disbursal |
| Then Loan details with association "originators" has the originator attached |
| |
| @TestRailId:C4668 |
| Scenario: Verify loan originator persistence through loan charge-off |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Charge Off Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| Then Loan details with association "originators" has the originator attached |
| And Admin does charge-off the loan on "1 January 2025" |
| Then Loan details with association "originators" has the originator attached |
| |
| @TestRailId:C4669 |
| Scenario: Verify that originator cannot be attached or detached from disbursed loan |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Disbursed Loan Originator" |
| When Admin creates a second loan originator with external ID and name "Disbursed Loan Extra Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| Then Attaching the second originator to the loan should fail with status 403 |
| And Detaching the originator from the loan should fail with status 403 |
| |
| @TestRailId:C4670 |
| Scenario: Verify loan originator read operations with retrieve by external ID, list all, and template |
| When Admin creates a new loan originator with all fields and name "CRUD Read Originator" |
| Then Loan originator is retrieved successfully by external ID with all fields |
| And Loan originator list contains the created originator |
| And Loan originator template contains status options, originator type options and channel type options |
| |
| @TestRailId:C4671 |
| Scenario: Verify loan originator update operations by ID and by external ID |
| When Admin creates a new loan originator with all fields and name "CRUD Update Originator" |
| Then Loan originator is created successfully with status "ACTIVE" |
| When Admin updates the originator name to "Updated Name" and status to "INACTIVE" |
| Then Loan originator has name "Updated Name" and status "INACTIVE" |
| When Admin updates the originator by external ID with name "ExtId Updated Name" |
| Then Loan originator retrieved by external ID has name "ExtId Updated Name" |
| |
| @TestRailId:C4672 |
| Scenario: Verify loan originator delete operations by ID, by external ID, and deletion prevention when mapped to loan |
| When Admin creates a new loan originator with external ID and name "Delete By ID Originator" |
| When Admin deletes the originator by ID |
| Then Retrieving the deleted originator by ID should fail with status 404 |
| When Admin creates a new loan originator with external ID and name "Delete By ExtId Originator" |
| When Admin deletes the originator by external ID |
| Then Retrieving the deleted originator by external ID should fail with status 404 |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Mapped Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| Then Deleting the originator should fail with status 403 |
| |
| @TestRailId:C4673 |
| Scenario: Verify loan originator CRUD permission checks with create, update, and delete denied without permissions |
| When Admin creates a new loan originator with external ID and name "Permission CRUD Originator" |
| When Admin creates new user with "ORIGINATOR_NO_CREATE" username, "ORIGINATOR_NO_CREATE_ROLE" role name and given permissions: |
| | READ_LOAN | |
| Then Created user without CREATE_LOAN_ORIGINATOR permission fails to create an originator |
| When Admin creates new user with "ORIGINATOR_NO_UPDATE" username, "ORIGINATOR_NO_UPDATE_ROLE" role name and given permissions: |
| | READ_LOAN_ORIGINATOR | |
| Then Created user without UPDATE_LOAN_ORIGINATOR permission fails to update the originator |
| When Admin creates new user with "ORIGINATOR_NO_DELETE" username, "ORIGINATOR_NO_DELETE_ROLE" role name and given permissions: |
| | READ_LOAN_ORIGINATOR | |
| Then Created user without DELETE_LOAN_ORIGINATOR permission fails to delete the originator |
| |
| @TestRailId:C74521 |
| Scenario: Verify that originator details are present in LoanAdjustTransactionBusinessEvent after repayment reversal |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Adjust Event Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| And Customer makes "AUTOPAY" repayment on "1 January 2025" with 500 EUR transaction amount |
| When Customer makes a repayment undo on "1 January 2025" without event check |
| Then LoanAdjustTransactionBusinessEvent is created with originator details in "transactionToAdjust" |
| |
| @TestRailId:C74522 |
| Scenario: Verify that originator details are present in LoanAccrualTransactionCreatedBusinessEvent after COB runs |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Accrual Event Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "1 January 2025" due date and 10 EUR transaction amount |
| When Admin sets the business date to "2 January 2025" |
| When Admin runs inline COB job for Loan |
| Then LoanAccrualTransactionCreatedBusinessEvent is created with originator details on "01 January 2025" |
| |
| @TestRailId:C74523 |
| Scenario: Verify that originator details are present in LoanAdjustTransactionBusinessEvent after charge waiver reversal |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Waiver Reversal Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| When Admin adds "LOAN_SNOOZE_FEE" due date charge with "1 January 2025" due date and 10 EUR transaction amount |
| And Admin waives due date charge |
| When Customer reverses the waiver transaction on "1 January 2025" |
| Then LoanAdjustTransactionBusinessEvent is created with originator details in "transactionToAdjust" |
| |
| @TestRailId:C74524 |
| Scenario: Verify that no originator details are present in LoanAdjustTransactionBusinessEvent when loan has no originator attached |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new default Loan with date: "1 January 2025" |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| And Customer makes "AUTOPAY" repayment on "1 January 2025" with 500 EUR transaction amount |
| When Customer makes a repayment undo on "1 January 2025" without event check |
| Then LoanAdjustTransactionBusinessEvent is created without originator details in "transactionToAdjust" |
| |
| @TestRailId:C74538 |
| Scenario: Verify that originator details are present in LoanAdjustTransactionBusinessEvent new transaction detail after repayment adjustment |
| When Admin sets the business date to "1 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a new loan originator with external ID and name "Adjustment Replacement Originator" |
| When Admin creates a new default Loan with date: "1 January 2025" |
| When Admin attaches the originator to the loan |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| When Admin successfully disburse the loan on "1 January 2025" with "1000" EUR transaction amount |
| And Customer makes "AUTOPAY" repayment on "1 January 2025" with 500 EUR transaction amount |
| When Customer adjusts the repayment on "1 January 2025" to 300 EUR without event check |
| Then LoanAdjustTransactionBusinessEvent is created with originator details in "newTransactionDetail" |
