Managing client details can be accomplished through the Clients section. 

Under the Clients section, Providers can search for clients, edit client information, add users under a particular client, and manage security settings.


Content Includes:


Search Clients

Searching for clients, by default, will populate results for Active Clients. Start by entering a client name, client ID, etc., to generate results. 

The Search Client field will filter results based on keystrokes. Any recent searches will be listed under the Most Recent Clients section.Select the appropriate client from the Search Results list to access their client details. 


Client Details

The Client Details tab stores all client contact information, credit card settings, interface settings, Fannie Mae/Freddie Mac settings, etc. 


Add Client Message

To create a Client Message, select the Actions menu, and choose + Add Client Message.

Any existing messages will be shown. To create a new message, select + Create New. 

Compose your message, set messaging starting and ending times, and SAVE to push the messages to the client side of XpertOnline. Cancel will direct users back to the previous screen. 


Add User

To create a new user, select the Actions menu, and choose + Add User. This will automatically direct Providers to the Client Users tab. 


Billing Address

Supply a Billing Address if the billing/invoicing address is different from the client address. Providers can utilize the Copy Address feature, which will import the client address from the top section of the Client Details. 


Regional Tracking Information

Providers can utilize this section as identifier fields for sales personnel. 


Credit Card Settings

This section allows Providers to enable settings for how credit card payments are utilized. 

  • Use Plain Text Confirmation - Sends an email to the client when a credit card is used to pay for the order. 
  • Require Credit Card Entry - Requires the client to enter a credit card to pay for the order. 
  • Do Not Bill Additional Items to Credit Card Entered on Request - Bills the main credit product to the credit card. Any additional services, i.e., CreditXpert, FICO® Simulator, etc. will be invoiced. 

To apply convenience fees for credit card usage, enable the Convenience Fee box and enter the percentage amount. This percentage will automatically be applied on each order placed via the credit card payment method. NOTE: enabling the convenience fee will only be applied to orders placed after the setting is in place. 


Credit Card on File

Store a company credit card to use for order placements, set as a backup payment option, or use for Daily/Monthly invoicing purposes. 


Client Interface Settings

Additional features, products, and services can be enabled under the Client Interface Settings. 


Fannie Mae & Freddie Mac Settings

Enable and store client connections for Fannie Mae/Freddie Mac for reissuing the clients' reports.

  • Fannie Mae Subscriber Code/Password - Credentials establishing the authorization for wholesale lenders to reissue through the client for Desktop Underwriter® (DU®).
  • EMS Freddie Mac Subscriber Code - Enables wholesale lenders to reissue the clients' files to Loan Product Advisor ® (LPA ®) through on older EMS connection.
  • SL-Direct Freddie Mac SSID/TPO - Enter client credentials for wholesale lenders to utilize the SharperLending Direct Freddie Mac connection for reissuing reports to Loan Product Advisor ® (LPA ®). Each wholesale lender authorization to use this connection must be entered individually. This connection is strongly recommended. 


Undisclosed Debt Notifications Settings

Notify the client when a UDN is triggered by entering the client's Subscriber IDs per bureau. Once established, the client will be notified when the activity occurs. 

 

Client Users

The Client Users tab allows Providers to create new users, view user information, and apply changes to existing users. By default, any user affiliated with the client the Provider is working in will be displayed. 

Expand the user to view the user's profile, rights, update password, etc. 

Providers can make edits to the user's profile. Once changes have been made, select SAVE to ensure the changes are retained. Cancel will clear out any applied changes. 


Create a New User

To create a new user, select the Actions menu, and choose +Add User. 

Any required fields will be designated with an asterisk (*) during the new user creation process. When completed and all required fields have been supplied, select Create to create the new user's profile. Utilizing the Cancel option will direct the user to the previous screen.

New users will be added to the Client Users list. 


Security

The Security tab displays current security settings for the client, including IP address limitations, client level restrictions, and email/mobile phone alert settings.


IP Address Settings

IP Address Settings allow Providers to enable and/or edit IP restrictions.

When Limit Access to Defined IP Address is enabled, we recommend Providers also enable the Allow IPs Outside Defined IP Addresses (User Registration Required) option. 

  • This permits client users to register their IP address, which Providers can approve or decline. 
  • Any requests for IP address registration will be displayed in the Pending User Registration section.
  • Providers may add specific IP addresses or ranges of IPs that should be granted access to the system under the client.
  • We recommend Providers utilize these IP restrictions to maximize data security.

Client Level Restrictions

To strengthen your security posture, Providers can enable Client Level Restrictions. This setting evaluates client and user access, permits or declines access based on behavioral attributes (such as common days/times the business operates), and average daily volume activity.


To enable these restrictions, check the Client Level Restrictions checkbox and Save. Providers can view the restrictions in place for the client by expanding this section.

XOLX automatically aggregates data for client average open/close business hours, average daily volumes, and generates the results. 

  • These sections monitor unusual activity at the client level and help prevent possible security events, i.e. unauthorized access.
  • Review the Recommendations section for these averages.
  • To approve the recommendations, click Accept Recommendations. The recommendations will be applied to the client. If any limits are met, i.e., Alert and/or Stop Limits, XOLX will trigger an alert to the individuals enabled in the Email/Mobile Phone Alerts section.

  • NOTE: If the Stop Limit is met, all users under this client will no longer be able to place orders until the next business day.