this.context.authenticatedUser();
final ClientData clientAccount = this.clientReadPlatformService.retrieveOne(clientId);
final LocalDate expectedDisbursementDate = DateUtils.getLocalDateOfTenant();
LoanAccountData loanTemplateDetails = LoanAccountData.clientDefaults(clientAccount.id(), clientAccount.displayName(),
clientAccount.officeId(), expectedDisbursementDate);
if (productId != null) {
final LoanProductData selectedProduct = this.loanProductReadPlatformService.retrieveLoanProduct(productId);
loanTemplateDetails = LoanAccountData.populateLoanProductDefaults(loanTemplateDetails, selectedProduct);
}