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📘 CM Analytics – Bank Verification Field Documentation

📘 CM Analytics – Bank Verification Field Documentation

Owned by Mukund Kapoor
Last updated: Jun 25, 2025

CM Analytics help provide a comprehensive financial profile of the borrower’s banking behavior.

🧾 Summary

This document outlines the financial analytics fields populated on the Bank Verification (bankconnect__Bank_Verification__c) record as part of the CM Analytics process. These fields reflect cash flow, balance trends, and deposit behavior calculated from linked bank account data.

📊 CM Analytics Field Definitions

Field Label

Description

Field Label

Description

Average Daily Balance (bankconnect__Average_Daily_Balance__c)

Represents the average balance maintained in the account throughout the evaluation period.

Average Daily Cash Flow (bankconnect__Average_Daily_Cash_Flow__c)

The average daily net inflow/outflow, based on transaction-level cash movement.

Net Cash Flows (bankconnect__Net_Cash_Flows__c)

Total net cash inflow minus outflow over the full analysis period.

Minimum Balance (bankconnect__Minimum_Balance__c)

The lowest account balance observed across the available historical data.

Maximum Balance (bankconnect__Maximum_Balance__c)

The highest account balance observed across the available historical data.

Negative Balance Days (bankconnect__Negative_Days__c)

Total number of days where the account had a negative balance.

NSF (Non-Sufficient Funds) Days (bankconnect__Total_NSF_Days__c)

Count of days when the account balance dropped below a predefined minimum threshold.

Average Monthly Deposit (bankconnect__Average_Monthly_Deposit__c)

Average total of all deposit transactions grouped by month.

Minimum Monthly Deposit (bankconnect__Minimum_Monthly_Deposit__c)

The smallest monthly deposit total observed during the period.

Total Deposits (bankconnect__Total_Deposits__c)

Sum of all deposit (positive) transactions for the entire evaluation period.

Average Transaction Size (bankconnect__Average_Transaction_Size__c)

Average value per transaction, based on absolute amounts (both inflow and outflow).

🔍 How These Fields Are Populated

  • The CM Analytics engine processes data from related objects:

    • bankconnect__Bank_Account__c

    • bankconnect__Transactions__c

    • bankconnect__Historical_Balance__c

  • Transactions and historical balances are analyzed across all accounts tied to the Bank Verification record.

  • All computed fields are refreshed when:

    • The Bank Verification status becomes Authorized

    • Asset API status transitions to Completed