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CML, Consumer Loan Enhancement - Retrofit of PB Development Locate this document in the navigation structure

 

Technical Data

Technical Name of Business Function

EAFS_CML_CL_EXT

Type of Business Function

Enterprise Business Function

Available From

SAP enhancement package 6 for SAP ERP 6.0

Technical Usage

Financial Services

Application Component

Loans Management (FS-CML)

Required Business Function

Not relevant

You can use this business function to improve the management of the loan contracts at your bank/financial institution. The features offered can help you to facilitate the processes for the following:

  • Freezing the exact payoff amount in the Notice business operation

  • Processing of delinquent loans

  • Position Management — new single point of access

  • Clearing process in Notice operation

  • Release function for disbursement data (new)

  • Repayment schedules for partial payoff

  • Preparation of new auto debit

Business Benefits

The following are the business benefits of this business function:

  • Ease of operations in position management due to single point of access with lesser navigation

  • New release process that is specific to critical disbursement data

  • Automation of further clearing process in Notice operation

  • Option to set up lock on incoming payment in contract master data and from the Payoff business operation

  • Freezing of exact payoff amount in Discharge business operation and avoidance of overpayment

  • Enhanced repayment options in partial payoffs

  • Enhanced follow-up processing for delinquent loans; enablement of Notice and Capitalization of Overdue Items for loans with zero remaining capital

  • Automation of auto debit process in returned debit memo instances

Technical Benefits

The technical benefit of this business function is a lower total cost of ownership.

Integration

  • Payment Lock for Loan Discharge

    This feature is integrated in the Loans Discharge function.

  • Position Management for Consumer Loans

    This feature is integrated on the editing screen for Consumer Loans.

  • New Method and Product Attribute for the Release Process for Disbursement Data

    These additions are integrated in the release process for loan disbursement data.

  • Automation of Further Clearing Process in Notice Operation

    This feature is integrated in the Notice function.

  • Incoming Payment Distribution Lock

    This feature is integrated in the Payoff function on the Administrative Data tab page.

  • Manual Adjustment of Partial Payoff

    This feature is integrated in the Partial Payoff function.

  • Preparation of New Auto Debit

    This feature is integrated in the Payment Postprocessing function.

Prerequisites

  • You have installed the following components as of the version mentioned:

    Type of Component

    Component

    Required for the Following Features Only

    Software Component

    EA-FINSERV 606

Features

Payment Lock for Loan Discharge

This feature enables you to prevent auto debits from being executed for a loan after it has been discharged. When you save the discharge contract, the system automatically changes the posting control key to Online Posting for all automatic debit positions of planned records whose due date is later than the discharge date. This prevents the planned records from being debit posted and thus an overpayment from being made.

Position Management for Consumer Loans

This feature enables you to display and edit information about individual open items and planned items that have been posted based on the payment date, which is based on the key date.

In addition, overdue items and overpayments are displayed as separate debit, future payment, and credit totals. These totals are also displayed with the debit-credit balance, which you can calculate for items you have selected. Interest on arrears that has not yet been posted is calculated for the current arrears and displayed as a separate total amount.

New Method and Product Attribute for the Release Process for Disbursement Data

This feature has been updated with a new method for the Business Add-In Consumer Loan: Master Data. This enables you to define additional criteria for the release process for loan disbursement data. The new Warning When Disbursement Changed product attribute outputs a warning when the disbursement data defined in the BAdI is changed, which then triggers the release workflow.

Automation of Further Clearing Process in Notice Operation

This feature enables you to continue processing the remaining open items for the Consumer Loan product category after notice has been given. The feature uses the limit amounts you have defined in Customizing and is available for waivers and write-offs.

Incoming Payment Distribution Lock

This feature enables you to prevent automatic clearing of posted incoming payments or overpayments with open items for the Consumer Loan product category.

Manual Adjustment of Partial Payoff

This feature enables you to manually adjust the new number of installments or the new installment amount for a partial payoff for the Consumer Loan product category. If you adjust the first, the system adjusts the latter and the reverse applies.

Prepare New Auto Debit

This feature enables you to remove the payment lock manually from FI documents for open items resulting from returned debit memos. You can thus collect automatically any open items and any internal or external charges.

Example

More Information

For more information, see SAP Library for SAP ERP on SAP Help Portal at   http://help.sap.com   SAP ERP   SAP ERP Enhancement Packages   SAP ERP Central Component   Financials   SAP Banking   Loans Management:  

  •   New Business   Consumer Loans   Editing a Consumer Loan   Discharging a Consumer Loan  

  •   New Business   Consumer Loans   Editing a Consumer Loan   Disbursing a Consumer Loan  

  •   Information System   Reports   Transaction   Release  

  •   Position Management   Business Operations   Payoff for Consumer Loans   Payoff: Basic Data  

  •   Accounting   Payment Processing   Prepare New Auto Debit