Authorizations 

Authorization management for mortgage loans is based on the existing authorization concept in Loans Management (FS-CML).

The authorization check is performed according to the principle of inclusion, that is to say, if a user has authorization to activate a business transaction, he or she also has authorization to delete it. The authorization for making a posting includes the authorization for making a cancellation.

If other functions are called from a business transaction, the relevant authorization check is performed in this business transaction before the other function is accessed. This avoids any termination of the functions that are being called.

To set up your authorization management for mortgage loans, you can use the following roles included in the delivery scope:

Role	Name	Scope
Loans Officer	SAP_CML_LOANS_OFFICER	·        Create, change, display, delete business partner ·        Collateral value calculation, credit standing calculation and decision-making ·        Maintain objects and securities ·        Create contracts, or transfer from application or offer ·        Enter disbursements ·        Process correspondence ·        Release loan (colleague or superior) ·        Process business operations (such as charges, individual posting, payoff)
Credit Analyst	SAP_CML_CREDIT_ANALYST	·        Create, change, display, delete business partner ·        Maintain loan enquiries, applications and offers ·        Calculate credit standing ·        Decision-making ·        Maintain limits ·        Calculate the collateral value ·        Maintain objects and securities
Rollover Officer	SAP_CML_ROLLOVER_OFFICER	·        Loan rollover (individual and mass) ·        Process correspondence ·        Management of rollover file ·        Maintain condition tables
Staff Accountant for Loans	SAP_CML_STAFF_ACCOUNTANT	·        Post transactions ·        Clearing ·        Create payments ·        Post and monitor incoming payments ·        Process waivers and write-offs ·        Cancellation ·        Accrual/deferral ·        Valuation ·        Generating accounting reports
Manager of Loans Department	SAP_CML_DEPARTM_MANAGER	·        Release ·        Maintain condition tables ·        Change limits ·        Risk analysis ·        Monitor file (rollover or process management) ·        Monitor portfolio and portfolio trend using reports; reports and queries
Product Administrator	SAP_CML_PRODUCT_ADMIN	·        Update reference interest rates ·        Maintain condition tables ·        Maintain new business tables
Technical Administrator	SAP_CML_TECHNICAL_ADMIN	·        Perform mass runs (such as mass print run), set status of plan to completed, post planned records ·        Currency conversion ·        Update reference interest rates and currency rates ·        Reorganization and data archiving ·        Define queries, drilldown reporting forms and reports ·        Maintain performance parameters ·        Analyze change pointers ·        Define export interfaces

 

You can assign these roles to the users in your company. Do not make any changes to the original roles, as these changes would be overwritten by the standard settings when the system is upgraded.

If you want to make adjustments, copy these roles. To do so, in the SAP Easy Access menu, choose Tools ® Administration ® User Maintenance ® Role Administration ® Roles. Here you can group together authorizations for consumer loans into your own defined roles, and assign these to users in your departments, for example. In the first step you maintain the role menu. You can structure this yourself by adding and, if necessary, renaming files, transactions, and reports. In addition to manually grouping together the relevant transactions, you can also transfer these from the SAP menu or another role. You then maintain the authorizations for your role. The system proposes certain authorizations and their characteristics. You can also add more objects. Then you need to generate the authorization profile. Finally, you maintain the users who are to have the authorizations contained in the role. You can also use elements from organizational management, such as position in the organization. The advantage here is that you do not have to maintain the user assignment individually in each role if a person changes jobs. You can also use this function in release.