Although you may be used to going back and forth with a client asking them for documents, using Decipher is a way to automate and streamline manual processes.
Best practice is to ask the applicant to upload any documents directly. This article discusses why as well as best practices.
Although it may be tempting to revert back to emailing back and forth with the client and having them send required documents to you directly, for several reasons, this is not ideal.
Security. Documents uploaded through the Decipher digital application are encrypted and secure whereas documents sent via email or other methods can easily be altered or intercepted. Resist the urge to obtain documents via email, if possible. Encourage your applicant to upload all documents directly from their digital application, even if they must do so at a later date. They can always return to their application to submit missing documents. 💡Tip: if the applicant cannot locate the link to their application, you can send them an email with the link to their application directly from Decipher by selecting the "Application Link" Email template. That email template will automatically insert their unique application link so they may continue their application.
Automation. Manually emailing back and forth with the applicant to send required documents results in less efficient methods and double the work, defeating the purpose of automating as many manual processes as possible.
Required Documents Missing not Tracked. Decipher is a complex platform and we are working on a way to detect required document uploads both via the digital application and directly on the platform. Currently, most required documents need to be uploaded directly by the applicant through the application link in order to be tracked by Decipher correctly and for the feature that shows what documents are missing from an application to work correctly. Documents uploaded directly by the lender may still show as pending.