Class: Dscf::Credit::LoanApplicationsController

Inherits:
ApplicationController
  • Object
show all
Includes:
Dscf::Core::AuditableController, Dscf::Core::Common, Dscf::Core::ReviewableController
Defined in:
app/controllers/dscf/credit/loan_applications_controller.rb

Instance Method Summary collapse

Instance Method Details

#calculate_credit_score ⇒ Object 



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# File 'app/controllers/dscf/credit/loan_applications_controller.rb', line 152

def calculate_credit_score
  loan_application = @clazz.find(params[:id])

  result = CreditScoringEngine.new(loan_application).calculate_score

  if result[:success]
    scoring_result_data = {
        scoring_table_id: loan_application.credit_product&.scoring_table&.id,
      breakdown: result[:breakdown],
      scoring_input_data: build_scoring_input_snapshot(loan_application)
    }

    ActiveRecord::Base.transaction do
      loan_application.update!(score: result[:score])

      update_review_status(loan_application, result[:status])

      if result[:status] == "approved"
        create_loan_profile_for_approved_application(loan_application, result[:score], scoring_result_data)
      end

      loan_application.reload
    end

    eligibility = build_eligibility_response(loan_application)

    render_success(
      "loan_application.success.calculate_credit_score",
      data: result.merge(
        loan_application: loan_application,
        eligibility: eligibility
      ),
      status: :ok
    )
  else
    render_error(
      "loan_application.errors.calculate_credit_score",
      errors: result[:errors],
      status: :unprocessable_entity
    )
  end
rescue ActiveRecord::RecordNotFound
  render_error(
    "loan_application.errors.not_found",
    errors: [ "Loan application not found" ],
    status: :not_found
  )
rescue => e
  Rails.logger.error("Credit scoring error: #{e.class} - #{e.message}")
  Rails.logger.error(e.backtrace.join("\n"))

  render_error(
    "loan_application.errors.calculate_credit_score",
    errors: [ "An error occurred while calculating credit score" ],
    status: :unprocessable_entity
  )
end

#create ⇒ Object 



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# File 'app/controllers/dscf/credit/loan_applications_controller.rb', line 53

def create
  super do
    loan_application = @clazz.new(model_params)
    loan_application.user = current_user
    loan_application.reviews.build(context: "default", status: "draft")

    loan_application
  end
end

#create_loan_profile_for_approved_application(loan_application, score, scoring_result_data = {}) ⇒ Object 



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# File 'app/controllers/dscf/credit/loan_applications_controller.rb', line 210

def create_loan_profile_for_approved_application(loan_application, score, scoring_result_data = {})
  profile_service = LoanProfileCreationService.new(loan_application, score, scoring_result_data)
  profile_result = profile_service.create_loan_profile

  unless profile_result[:success]
    error_message = "Failed to create loan profile for approved application #{loan_application.id}: #{profile_result[:error]}"
    Rails.logger.error error_message
    raise StandardError, error_message
  else
    Rails.logger.info "Loan profile created successfully for approved application #{loan_application.id}"
  end

  profile_result
end

#scoring_form ⇒ Object 



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# File 'app/controllers/dscf/credit/loan_applications_controller.rb', line 94

def scoring_form
  set_object
  source_code = params[:source_code]
  information_source = Dscf::Credit::InformationSource.find_by(code: source_code)

  unless information_source
    return render_error(errors: [ "Information source '#{source_code}' not found" ], status: :not_found)
  end

  credit_product = @obj.credit_product
  scoring_table = credit_product&.scoring_table

  unless scoring_table
    return render_error(errors: [ "No scoring table configured for this loan application's credit product" ], status: :unprocessable_entity)
  end

  # Load parameters for this source with normalizers
  parameters = scoring_table.scoring_table_parameters
    .where(information_source: information_source)
    .includes(:scoring_parameter, :scoring_table_normalizers)
    .order(:order)

  # Load existing submitted data for this source
  existing_datum = @obj.loan_application_data.find_by(information_source: information_source)
  existing_data = existing_datum&.data || {}

  # Build response
  form_data = {
    source: {
      code: information_source.code,
      name: information_source.name
    },
    scoring_table: {
      id: scoring_table.id,
      name: scoring_table.name,
      code: scoring_table.code
    },
    submitted: existing_datum&.submitted_at.present? || false,
    submitted_at: existing_datum&.submitted_at,
    fields: parameters.map do |stp|
      param = stp.scoring_parameter
      {
        parameter_id: param.id,
        code: param.code,
        name: param.name,
        data_type: param.data_type,
        required: stp.required,
        min_value: stp.min_value,
        max_value: stp.max_value,
        current_value: existing_data[param.id.to_s],
        options: extract_options(stp, param.data_type)
      }
    end
  }

  render_success(data: form_data)
end

#submit_source_data ⇒ Object 



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# File 'app/controllers/dscf/credit/loan_applications_controller.rb', line 73

def submit_source_data
  set_object
  source_code = params[:source_code]
  information_source = Dscf::Credit::InformationSource.find_by(code: source_code)

  unless information_source
    return render_error(errors: [ "Information source '#{source_code}' not found" ], status: :not_found)
  end

  datum = @obj.loan_application_data.find_or_initialize_by(information_source: information_source)
  datum.data = params.dig(:loan_application_datum, :data) || params[:data] || {}
  datum.submitted_by = current_user
  datum.submitted_at = Time.current

  if datum.save
    render_success(data: datum)
  else
    render_error(errors: datum.errors.full_messages, status: :unprocessable_entity)
  end
end

#update ⇒ Object 



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# File 'app/controllers/dscf/credit/loan_applications_controller.rb', line 63

def update
  unless @obj.editable?
    return render_error(
      errors: [ "Cannot update loan application after submission. Use modification request workflow instead." ],
      status: :unprocessable_entity
    )
  end
  super
end