Loans@
Banking Services 5.0
RKT Origination Interfaces
SAP AG 2007
Content
Introduction
2 Origination Interfaces
5
6
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Product Configurator
Account Creation
Conditions & Cash Flow
Insurance Management
Overview / Content
After completing this presentation, you will be able to
understand the process Origination of Interfaces and the
two services for Loans Origination provided by SAP XI for
Loans Management in SAP Banking Services 5.0.
Origination
Product
Account
Conditions
Insurance
Interfaces
Configurator
Creation
& Cash Flow
Management
RKT Learning Map
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Scenario Overview: Account Origination
Initial prerequisite: Account Origination
1
2
6
Reporting
Forecasting &
Analytics on
Customer &
Products
Forecasting
& Marketing
CustomerService & CustomerOriented
Oriented
Reporting Banking
Banking
Marketing
Sales
& Offer
Contract
Closure
Product Offer
After Sales
Follow-Up &
Service
4
Contract
Closure
Analysis of
Customer Data
and
Requirements
Calculation
and Creation
of CustomerSpecific Offers
Focus of
Account
Origination
Underwriting,
Risk Assessment
and Validation
Closure
and
Funding
CRM
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Terminology
Loan origination General
is the process where a customer applies for a loan that is provided
by a financial institute until both parties finally sign the contract. Loan
Origination includes the application, tracking and underwriting prior to
loan approval
Loan origination @ SAP
In SAP, loan origination will include the creation of the Business Partner in the CRM
(Customer Relationship Management) module. The Financial Services business
scenario contract origination addresses application development for an integrated
customer oriented software solution from the front office (e.g. mySAP CRM application)
to the back office (TRBK). Loan contracts are concluded as part of loan origination.
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Cross Component Message Flow (Sequence Example)
Account
Origination
(CRM)
Exchange
Infrastructure
Loans
Management
Collateral
Management
Create
Business Partner
Credit Server
(Scoring Engine,
Credit Agency)
Create
Business Partner
Perform Credit
Worthiness Check
Create Offer
Calculate
Payment Plan
Approve Offer
Create
Business Partner
Create Collateral
Constellation
Receive
Confirmation
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Create
Loan Contract
Loans Origination Interfaces
The interface between the origination system and TRBK
should provide the origination system with two services over SAP XI:
Loan Calculation
Called for calculation of parameters like installment, balloon amount, term, effective
interest rate or calculation of payment schedule
Loan Creation
Called for creation of a loan contract when the signed contract should be stored in TRBK
Loan Calculation
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Loan Creation
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