Both methods worked and are much faster!  The TO_BOOL function is a bit 
quicker and I think a bit more concise of the two.  

Using TO_BOOL it takes about 1.9 seconds to execute (compared to the ? 
operator's 8 seconds).  It only adds about 0.5 seconds to the overall query 
which I think is more than acceptable.


Replaced:
    ficoUPB = SUM( IS_NULL(l.Acquisition.BORROWER_CREDIT_SCORE) ? 0 : l.
Acquisition.ORIGINAL_UPB )

With either of these:
    ficoUPB = SUM( TO_BOOL(l.Acquisition.BORROWER_CREDIT_SCORE) * l.
Acquisition.ORIGINAL_UPB)
    ficoUPB = SUM( MIN([1, MAX([l.Acquisition.BORROWER_CREDIT_SCORE, 0])]) * 
l.Acquisition.ORIGINAL_UPB )

Had to do a MIN and a MAX to get l.Acquisition.BORROWER_CREDIT_SCORE to be 
either 0 or 1.

Thanks for the help!

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