Class: Dscf::Credit::FacilityLimitCalculationEngine

Inherits:
Object
  • Object
show all
Defined in:
app/services/dscf/credit/facility_limit_calculation_engine.rb

Instance Attribute Summary collapse

Instance Method Summary collapse

Constructor Details

#initialize(loan_profile_id, credit_product_id) ⇒ FacilityLimitCalculationEngine

Returns a new instance of FacilityLimitCalculationEngine.



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# File 'app/services/dscf/credit/facility_limit_calculation_engine.rb', line 5

def initialize(loan_profile_id, credit_product_id)
  @errors = []
  @loan_profile = LoanProfile.find(loan_profile_id)
  @credit_product_id = credit_product_id
rescue ActiveRecord::RecordNotFound => e
  @errors << "Loan profile not found: \#{e.message}"
end

Instance Attribute Details

#credit_product_id ⇒ Object (readonly)

Returns the value of attribute credit_product_id.



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# File 'app/services/dscf/credit/facility_limit_calculation_engine.rb', line 3

def credit_product_id
  @credit_product_id
end

#errors ⇒ Object (readonly)

Returns the value of attribute errors.



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# File 'app/services/dscf/credit/facility_limit_calculation_engine.rb', line 3

def errors
  @errors
end

#loan_profile ⇒ Object (readonly)

Returns the value of attribute loan_profile.



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# File 'app/services/dscf/credit/facility_limit_calculation_engine.rb', line 3

def loan_profile
  @loan_profile
end

Instance Method Details

#calculate_facility_limits ⇒ Object 



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# File 'app/services/dscf/credit/facility_limit_calculation_engine.rb', line 13

def calculate_facility_limits
  return error_result("Loan profile is required") unless loan_profile
  return error_result("Credit Product ID is required") unless credit_product_id

  begin
    ActiveRecord::Base.transaction do
      @data_by_source_id = LoanApplicationDatum
                              .where(loan_application: loan_profile.loan_application)
                              .index_by(&:information_source_id)

      credit_lines = get_credit_lines_for_calculation
      if credit_lines.empty?
        return error_result("No credit lines found for credit product #{credit_product_id} and bank #{loan_profile.loan_application.bank_id}")
      end

      eligible_credit_lines = []
      credit_lines.each do |credit_line|
        credit_line_spec = credit_line.credit_line_specs.active.order(created_at: :desc).first
        unless credit_line_spec
          @errors << "No active credit line spec for credit line \#{credit_line.id}"
          next
        end
        if loan_profile.score < credit_line_spec.minimum_score
          @errors << "Credit line #{credit_line.id} (#{credit_line.name}) skipped: score #{loan_profile.score} below minimum #{credit_line_spec.minimum_score}"
          next
        end
        base_metric = calculate_base_metric(credit_line_spec)
        if base_metric <= 0
          @errors << "Invalid base metric for credit line \#{credit_line.id}: \#{base_metric}"
          next
        end

        limit_result = calculate_credit_line_limit(credit_line, base_metric, credit_line_spec)
        unless limit_result[:success]
          @errors << limit_result[:error]
          next
        end

        if limit_result[:limit] >= 0
          eligible_credit_line = create_or_update_eligible_credit_line(credit_line, limit_result[:limit])
          eligible_credit_lines << eligible_credit_line
        end
      end

      update_loan_profile_total_limit
      success_result(eligible_credit_lines, "Facility limits calculated successfully")
    end
  rescue StandardError => e
    Rails.logger.error "Facility limit calculation failed: \#{e.message}"
    Rails.logger.error e.backtrace.join("\n")
    error_result("Failed to calculate facility limits: \#{e.message}")
  end
end