Purge Feature Should Not Delete Primary Cross-Collaterals

Customers need to delete loans that are beyond retention requirements; however, when they have cross collaterals, the purge feature does not prevent crossed collaterals from being purged when other associated loans are not flagged for purge. While it is noted with a yellow exclamation point on the purge report, the customer must uncross the collateral to prevent the collateral images from being purged. This is not a viable option for the following reasons:

1. There could be a large number of collaterals affected, which would be time consuming and labor intensive. We are working with a bank that has more than 15,000 affected collaterals on the report.

2. Since you cannot uncross the primary, you would need to uncross all of the collateral records tied to it. If you do that, there is no way to re-cross them. In addition, doing this would increase the storage requirements as all of the images are replicated for each collateral.

REFACTORING RECOMMENDATION - If a loan is set to be purged, and other loans that are crossed with the collateral are not flagged for purge, the collateral should be refactored to one of those loans to avoid deleting collateral images on loans that are still in retention.