K86- Revolving Mortgage Loan Lifecycle. Process Diagram

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K86- Revolving Mortgage Loan Lifecycle

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Purpose, Benefits, and Key Process Steps

Purpose

The business process covers the entire life cycle of a revolving mortgage loan, from

creation of the contract to closure of the loan, including the business partner functions

required for this scenario.

Benefits

Provides the configuration and description of the complete life-cycle of a mortgage loan

with fixed interest or variable interests from account creation to account closure.

Consistently across the various involved systems.

Supports the processing of all steps required to execute the complete life-cycle of a

mortgage loan consistently across the various involved systems – well integrated.

Simplifies testing with detailed process descriptions.

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Purpose, Benefits, and Key Process Steps

Key Process Steps

Creating or changing business partners.

Capturing the real estate which is used as collateral object and associating the mortgage agreement.

Creating and maintaining of a mortgage loan account with fixed or variable interest rate.

Creating mortgage insurance and associating it to the secured mortgage loan.

Partial and full disbursement of a mortgage loan with or without SAP Payment Engine.

Display account specific balances and key figures.

Normal/periodic loan life cycle.

Handling of account closure.

Discharge and release the collateral mortgage and set the mortgage insurance to inactive as the secured

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Required SAP Applications and Company Roles

Required SAP Applications

SAP Banking Service 8.0

SAP Payment Engine 8.0

Company Roles

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Detailed Process Description

Revolving mortgage loan life cycle with Payment Engine

Entire mortgage loan life cycle, from contract creation to account closure, including the

daily processing in account maintenance, periodic payments.

Integration with FI-CAx for Open Item Management.

Integration with Payment Engine (SAP PE) including SEPA or SWIFT payments.

Handling of payment distribution / settlement.

Integration with Collateral Management.

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K86 Revolving Mortgage Loan Lifecycle (Version A)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Create Collateral Agreement - Mortgage Create Collateral Object

(155.92) Create Business Partner and replicate Create Collateral Agreement – Mortgage insurance Create Loan Account

Back Office Employee

SAP Payment Engine

(155.89) Check Posting Date for Payment Transaction + EOD (155.89) Set Posting Date for Payment Transaction + EOD for PE (155.31) Create Mandate

Create Current Account

UI/Transaction

Path

BP Financial Services Business Partner Maintain Business Partner

BCA_DATE_POST_S ET

Financial Services  Account Management  Periodic Tasks  Posting Date  Set Posting Date for Payment Transactions

BCA_DATE_POST_S ET

Financial Services  Account Management  Periodic Tasks  Posting Date  Set Posting Date for Payment Transactions

CMS_WB Financial Services → Collateral Management → CMS Workbench

BCA_CN_ACCT_01 Financial Services → Account Management → Account → Account Master Data → Create Account BCA_CN_ACCT_01 Financial Services → Account Management →

Account → Account Master Data → Create Account CMS_WB Financial Services → Collateral Management → CMS

Workbench

CMS_WB Financial Services → Collateral Management → CMS Workbench

BCA_MANDATE_CR ED_01

Financial Services Account Management  Account Mandates Mandates (Payee) Create Mandate (Payee)

/n/FSPAM/_MAINTAI N_CP

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Execute Initial Billing

K86 Revolving Mortgage Loan Lifecycle (Version A)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Next Page Replicate Accounts to Collateral Management

and Bank Analyzer Previous Page

Display Contract Account Replicate Clearing Accont

to FI-CAx

Back Office Employee

SAP Payment Engine

Disbursement to External Current account Update Collateral Scope

-Mortgage (R49) Using Payment Engine for Payment Transactions Payment Engine is activated

Add Mandate to Loan Account

UI/Transaction

Path

BCA_CN_ACCT_02 Financial Services → Account Management → Account → Account Master Data → Change Account BCA_ACC_MST_RU

N

Financial Services → Account Management → Periodic Tasks → Communication with External Systems → Distribute Account Master Data BCA_ACC_MST_RU

N

Financial Services → Account Management → Periodic Tasks → Communication with External Systems → Distribute Account Master Data CAA3 Accounting → Financial Accounting → Contract

Accounts Receivable and Payable → Master Data → Contract Account → Display

BCA_BL_PP_RUN Financial Services → Account Management → Periodic Tasks → Account Billing → Execute Account Billing

CMS_WB Financial Services → Collateral Management → CMS Workbench

/PE1/PO_DISPLAY Payment Engine → Information System → Payment Orders

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Execute Settlement (for Disbursement)

K86 Revolving Mortgage Loan Lifecycle (Version A)

Previous Page

S

Display Billing Dates

(155.89) Set Posting Date for Payment Transaction + EOD

Update Posting Date (For Future Disbursement)

Execute Forward Order for Disbursement (for future Disbursement) Execute Payment Distribution (for disbursement Withhold) (155.89) Set Posting Date for Payment Transaction + EOD for PE

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Back Office Employee

SAP Payment Engine

Start outgoing Payment Dispatcher

Process payment orders in payment engine Display Balances and

Key Figures

UI/Transaction

Path

BCA_PO_FO_MULTI Financial Services → Account Management → Periodic Tasks → Forward Order → Execute Forward Order

BCA_PO_FO_MULTI Financial Services → Account Management → Periodic Tasks → Forward Order → Execute Forward Order

BCA_CN_KFG Financial Services → Account Management → Account → Turnovers, Balances and Key Figures → Display Balances and Key Figures

BCA_PO_OPD_MAS S_RUN

Financial Services → Account Management → Periodic Tasks → Payment Transaction System → Start Outgoing Payment Dispatcher

/n/PE1/PO_EXPERT Payment Engine → Payment Order Management → Edit Payment Orders (Expert)

/n/FSPD/IPD_MR1 Financial Services → Account Management → Periodic Tasks → Payment Distribution → Execute Payment Distribution

BCA_ACBAL_ACC_S Financial Services → Account Management → Account → Account Settlement → Execute Account Settlement

BCA_BL_AL_DISP_S CHED

Financial Services → Account Management → Account → Account Billing → Display Billing Dates

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Execute Outbound Interface Display Account Balance

K86 Revolving Mortgage Loan Lifecycle (Version A)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Previous Page

Execute Billing Run

Check Payment Distribution

Check Payment Distribution Items

Execute Invoicing Run

Execute Payment Distribution

Display Account Balance

Next Page

SAP Payment Engine

Back Office Employee

Post Payment Item

Process payment orders in payment engine Start outgoing Payment

Dispatcher Post DD from external

account

UI/Transaction

Path

BCA_BL_PP_RUN Financial Services → Account Management → Periodic Tasks → Account Billing → Execute Account Billing

FKKINV_S Accounting → Financial Accounting → Contract Accounts Receivable and Payable → Invoicing → Online Processing → Create Invoicing Document FPL9 Accounting → Financial Accounting → Contract

Accounts Receivable and Payable → Account → Account Balance

BCA_BL_DD_PP_RU N

SAP Menu→ Financial Services → Account Management → Periodic Tasks → Account Billing → Execute Direct Debit Mass Run

BCA_PO_OPD_MAS S_RUN

Financial Services → Account Management → Periodic Tasks → Payment Transaction System → Start Outgoing Payment Dispatcher

/PE1/PO_EXPERT Payment Engine → Payment Order Management → Edit Payment Orders (Expert)

BCA_PAYMITEM_C REATE

Financial Services → Account Management → Account → Turnovers, Balances and Key Figures → Payment Item → Create Payment Item

/n/FSPD/IPD_MR1 Financial Services → Account Management → Periodic Tasks → Payment Distribution → Execute Payment Distribution

/n/FSPD/IPD_MR1 Financial Services → Account Management → Periodic Tasks → Payment Distribution → Execute Payment Distribution

FPOITR Accounting → Financial Accounting → Contract Accounts Receivable and Payable → Periodic Processing → Data for Externals → Outbound Interface Business Partner Postings /n/FSPD/ITEM_MAIN

TAIN

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K86 Revolving Mortgage Loan Lifecycle (Version A)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Previous Page Execute Settlement Close Account Execute Collateral Monitoring Replicate Accounts to Collateral Management and Bank Analyzer

Discharge Collateral Mortgage

End Mortgage Insurance

SAP Payment Engine

Back Office Employee

X

UI/Transaction

Path

CMS_BCM Financial Services → Collateral Management → Periodic Tasks → Batch Collateral Coverage Gap Monitoring

CMS_WB Financial Services → Collateral Management → CMS Workbench

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Detailed Process Description

Revolving mortgage loan life cycle without Payment Engine

Entire mortgage loan life cycle, from contract creation to account closure, including the

daily processing in account maintenance, periodic payments.

Integration with FI-CAx for Open Item Management.

Handling of payment posting, distribution / settlement.

Integration with Collateral Management.

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K86 Revolving Mortgage Loan Lifecycle (Version B)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Create Collateral Agreement - Mortgage Create Collateral Object

(155.92) Create Business Partner and replicate Create Collateral Agreement – Mortgage insurance Create Loan Account

Back Office Employee

SAP Payment Engine

(155.89) Check Posting Date

for Payment Transaction +

EOD

Create Current Account

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Execute Initial Billing

K86 Revolving Mortgage Loan Lifecycle (Version B)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Next Page Replicate Accounts to Collateral Management

and Bank Analyzer Previous Page

Display Contract Account Replicate Clearing Accont

to FI-CAx

Back Office Employee

SAP Payment Engine

Disbursement to External Current account Update Collateral Scope

-Mortgage

Payment Engine is inactivated

K

L M

N

O

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Execute Settlement (for Disbursement)

K86 Revolving Mortgage Loan Lifecycle (Version B)

Previous Page

S

Display Balances and Key Figures

Display Billing Dates

(155.89) Set Posting Date for Payment Transaction + EOD

Update Posting Date (For Future Disbursement)

Execute Forward Order for Disbursement (for future Disbursement)

Execute Payment Distribution (for disbursement Withhold)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Back Office Employee

SAP Payment Engine

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Execute Outbound Interface Display Account Balance

K86 Revolving Mortgage Loan Lifecycle (Version B)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Previous Page

Execute Billing Run

Check Payment Distribution

Check Payment Distribution Items

Execute Invoicing Run

Execute Payment Distribution

Display Account Balance

Next Page

SAP Payment Engine

Back Office Employee

Post Payment Item

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K86 Revolving Mortgage Loan Lifecycle (Version B)

Back Office Employee

Banking Services from SAP

Back Office Employee

SAP ERP FI-CAx

Previous Page Execute Settlement Close Account Execute Collateral Monitoring Replicate Accounts to Collateral Management and Bank Analyzer

Discharge Collateral Mortgage

End Mortgage Insurance

SAP Payment Engine

Back Office Employee

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