Calculated Account History Optimization

Calculated Account History Optimization (Reverse Calc)

We’re introducing an enhancement to the Calculated Account History reverse calculation process designed to improve system efficiency and overall platform performance.

What’s Changing?

Previously, when a transaction triggered the reverse calculator, the system would recalculate the full loan history from origination and rebuild the entire Account History table in the database.

With this update, the system will still perform a full recalculation of the loan history. However, only the affected portion of the Account History table, from the transaction’s apply date onward, will be written back to the database. Historical records prior to the apply date remain unchanged and are not rebuilt.

Key Benefits

• Improved Performance: Faster database operations by limiting writes to only impacted records.
• Reduced Resource Usage: Eliminates unnecessary rebuilding of unchanged historical data.
• Greater Efficiency: Better scalability for loans with long histories or high transaction volumes, without altering calculation accuracy.