FAQ: How Do Banners Work in Charlie?

Modified on Tue, 7 Oct at 2:29 PM

Q: What are banners in Charlie?
A: Banners are system-generated alerts that appear at the top of a loan file. They help users stay informed of important deadlines, missing information, or compliance requirements. Each banner includes a message, a call-to-action (CTA), and a color that indicates its urgency.

Q: How are banners prioritized for display?
A: When multiple conditions are met, banners are displayed in a specific priority order. Higher-priority items (for example, critical TRID or compliance warnings) appear above informational or reminder banners.

Q: What triggers a banner to appear?
A: Banners are triggered automatically when certain loan data points or deadlines meet defined conditions.
Examples include:

TRID milestones (Loan Estimate due or overdue)
Notice of Valuation (NOV) deadlines for VA loans
NOIA or underwriting decision requirements
Revised disclosures due dates

Q: What do the different banner colors mean?
A:

Critical / Red: Urgent regulatory or compliance action required.
Danger / Pink: Action due today.
Warning / Orange: Upcoming action or approaching deadline.
White: Informational or confirmation notice (no action needed).

Q: What types of messages might I see?
A:

“The Initial Loan Estimate is overdue!”
“A revised Loan Estimate or Closing Disclosure is due today.”
“The Notice of Valuation is due by [date].”
“A Notice of Incomplete Application (NOIA) must be sent immediately.”

Each banner includes a CTA button, such as “Send Disclosures” or “View Appraisal,” that takes you directly to the appropriate screen to resolve the issue.

Q: When do banners clear or disappear?
A: Banners automatically clear once the required data fields are completed or the action is taken.
For example, a TRID banner will disappear once the Loan Estimate Sent Date and Received Date are entered.

Q: Why do some banners persist or reappear?
A: If a key field is removed, cleared, or updated to reflect a missing condition, the related banner may reappear until the requirement is again satisfied.

Q: Why are banners important?
A: Banners ensure critical compliance steps and timing requirements are never overlooked. They serve as real-time prompts to keep the loan file accurate, compliant, and moving forward efficiently.