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OracleCreditManagementUserGuideRelease12PartNo.
B31214-01December2006OracleCreditManagementUserGuide,Release12PartNo.
B31214-01Copyright2003,2006,Oracle.
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PrimaryAuthor:Jean-RaymondNaveau,KristinPenaskovic,BijoySarkar,KathyWeitzelContributingAuthor:EssanNiContributor:KinjalJoshi,KarthikRamachandranThePrograms(whichincludeboththesoftwareanddocumentation)containproprietaryinformation;theyareprovidedunderalicenseagreementcontainingrestrictionsonuseanddisclosureandarealsoprotectedbycopyright,patent,andotherintellectualandindustrialpropertylaws.
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iiiContentsSendUsYourCommentsPreface1OverviewofOracleCreditManagementOverviewofOracleCreditManagement.
1-1WhatInitiatesaCreditReview1-2OracleCreditManagementProcessFlows.
1-2HowAutomationWorks.
1-52ImplementingOracleCreditManagementDefiningCreditAnalysts.
2-1MaintainingCustomerData.
2-3PopulatingTransactionData.
2-4DefiningCreditManagementSystemOptions.
2-7DefiningLookups.
2-10UpdatingCustomerProfileClasses.
2-12AssignCustomerCreditClassificationProgram.
2-133SettingUpYourCreditPoliciesOverviewofOracleCreditManagementSetup.
3-1WhatisaCreditDataPoint3-2DefiningChecklists.
3-5AddingDun&BradstreetDataPointstoaChecklist.
3-8DefiningScoringModels.
3-9ExternalScoring.
3-14ivAssigningAutomationRules.
3-17SettingUpCreditRecommendations.
3-19SettingUpCreditDecisionApprovalPolicies.
3-21ReviewingCreditManagementPerformance.
3-254UsingCreditManagementProcessingCreditReviews.
4-1InitiatingaCreditReview.
4-2CollectingCreditData.
4-3UsingCreditApplicationstoCollectCreditData.
4-4CreatingaNewCreditApplication.
4-5SearchingforSavedApplications.
4-7SearchingforIn-ProcessApplications.
4-7EnteringDataintoaCreditApplication.
4-8SubmittingaCreditApplication.
4-11UsingCaseFolderstoCollectCreditData.
4-12RetrievingaCaseFolder.
4-14EnteringDataintoaCaseFolder.
4-15ManuallyCreatingaNewCaseFolder.
4-16AnalyzingCreditData.
4-16UsingtheCaseFolder.
4-18CalculatingaCreditScore.
4-18AddingAnalysisNotestotheCaseFolder.
4-19ViewingCaseFolderAttachments.
4-20RefreshingCaseFolderData.
4-20ViewingtheCreditSummary.
4-20MakingaRecommendation.
4-21ImplementingtheRecommendation.
4-23PeriodicCreditReviewProgram.
4-245E-BusinessSuiteIntegrationE-BusinessSuiteIntegrationOverview.
5-1OracleOrderManagementIntegration.
5-2OracleLeaseManagementIntegration.
5-3OracleLoansIntegration.
5-66WorkloadManagementCreditAnalystAssignmentRules.
6-1ReassigningCreditReviews.
6-2ReassignCreditAnalystProgram.
6-3v7AdditionalImplementationConsiderationsDefiningCreditUsageRuleSets.
7-1DefiningCreditHierarchies.
7-3AOracleCreditManagementProfileOptionsandProfileOptionCategoriesProfileOptionsandProfileOptionCategoriesOverview.
A-1ProfileOptionCategoryandProfileOptionsDescriptions.
A-1CreditPoliciesManagementCategory.
A-2BCreditManagementApplicationWorkflowCreditManagementApplicationWorkflow.
B-1SettingUptheCreditManagementApplicationWorkflow.
B-2CreditManagementApplicationWorkflowMainProcessActivities.
B-3ManualSubprocess.
B-6AutomationSubprocess.
B-6ApprovalSubprocess.
B-7CCreditRequestBusinessEventsCreditRequestBusinessEvents.
C-1CreditRequestEvents.
C-4DOracleCreditManagementDataPointsOracleCreditManagementDataPoints.
D-1BusinessInformationandCreditDataPoints.
D-2FinancialDataDataPoints.
D-4ReferencesDataPoints.
D-8GuarantorsDataPoints.
D-12VentureFundingDataPoints.
D-12CollateralDataPoints.
D-14BillingandPaymentsDataPoints.
D-15AgingDataPoints.
D-21EAdditionalDataPointPL/SQLGuidelinesGuidelinesforDerivingDataPointValues.
E-1FCreditManagementAPIUserNotesOverviewofCreditManagementPublicAPIs.
F-1viMajorFeatures.
F-2APIUsage.
F-3IndexviiSendUsYourCommentsOracleCreditManagementUserGuide,Release12PartNo.
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ixPrefaceIntendedAudienceWelcometoRelease12oftheOracleCreditManagementUserGuide.
Thisguideassumesyouhaveaworkingknowledgeofthefollowing:Theprinciplesandcustomarypracticesofyourbusinessarea.
ComputerdesktopapplicationusageandterminologyIfyouhaveneverusedOracleApplications,wesuggestyouattendoneormoreoftheOracleApplicationstrainingclassesavailablethroughOracleUniversity.
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Structure1OverviewofOracleCreditManagementThischapterprovidesanoverviewofOracleCreditManagement.
2ImplementingOracleCreditManagementCompletethetasksinthischapterafterinstallation,butbeforesettingupcreditpolicies.
3SettingUpYourCreditPoliciesThischapterdescribessettingupandadministeringcreditpolicies,aswellasreviewingtheperformanceofthepolicies.
4UsingCreditManagementThischapterdescribeshowtouseOracleCreditManagement.
5E-BusinessSuiteIntegrationThischapterdescribeshowotherOracleE-BusinessSuiteapplicationsintegratewithOracleCreditManagementfortheircreditneeds.
6WorkloadManagementThischapterdescribesmanagingcreditanalystassignments.
7AdditionalImplementationConsiderationsThischapterdescribesadditionalsetupstepstoconsiderwhenimplementingOracleCreditManagement.
AOracleCreditManagementProfileOptionsandProfileOptionCategoriesThisappendixdescribessettingprofileoptionsforOracleCreditManagement.
BCreditManagementApplicationWorkflowThisappendixdescribestheworkflowinOracleCreditManagement.
CCreditRequestBusinessEventsThisappendixdescribesbusinesseventsthatyoucanusewithOracleCreditManagement.
DOracleCreditManagementDataPointsxiThisappendixdescribestheseededdatapointsinOracleCreditManagement.
EAdditionalDataPointPL/SQLGuidelinesThisappendixdescribesguidelinesforPL/SQLpackagesandfunctionsthatderivedatapointvalues.
FCreditManagementAPIUserNotesThisappendixdescribespublicOracleCreditManagementAPIs.
RelatedInformationSourcesThisdocumentisincludedontheOracleApplicationsDocumentLibrary,whichissuppliedintheRelease12DVDPack.
Youcandownloadsoft-copydocumentationasPDFfilesfromtheOracleTechnologyNetworkathttp://otn.
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TheOracleE-BusinessSuiteDocumentationLibraryRelease12containsthelatestinformation,includinganydocumentsthathavechangedsignificantlybetweenreleases.
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OracleeBusinessSuiteElectronicTechnicalReferenceManuals-EachElectronicTechnicalReferenceManual(eTRM)containsdatabasediagramsandadetaileddescriptionofdatabasetables,forms,reports,andprogramsforaspecificOraclexiiApplicationsproduct.
ThisinformationhelpsyouconvertdatafromyourexistingapplicationsandintegrateOracleApplicationsdatawithnon-Oracleapplications,andwritecustomreportsforOracleApplicationsproducts.
OracleeTRMisavailableonOracleMetaLink.
RelatedGuidesYoushouldhavethefollowingrelatedbooksonhand.
Dependingontherequirementsofyourparticularinstallation,youmayalsoneedadditionalmanualsorguides.
OracleApplicationsInstallationGuide:UsingRapidInstall:ThisbookisintendedforusebyanyonewhoisresponsibleforinstallingorupgradingOracleApplications.
ItprovidesinstructionsforrunningRapidInstalleithertocarryoutafreshinstallationofOracleApplicationsRelease12,oraspartofanupgradefromRelease11itoRelease12.
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Inadditiontoinformationaboutapplyingtheupgradedriver,itoutlinespre-upgradestepsandpost-upgradesteps,andprovidesdescriptionsofproduct-specificfunctionalchangesandsuggestionsforverifyingtheupgradeandreducingdowntime.
OracleApplicationsPatchingProcedures:ThisguidedescribeshowtopatchtheOracleApplicationsfilesystemanddatabaseusingAutoPatch,andhowtouseotherpatching-relatedtoolslikeADMergePatch,OAMPatchWizard,andOAMRegisteredFlaggedFiles.
Describespatchtypesandstructure,andoutlinessomeofthemostcommonlyusedpatchingprocedures.
PartofMaintainingOracleApplications,a3-booksetthatalsoincludesOracleApplicationsMaintenanceUtilitiesandOracleApplicationsMaintenanceProcedures.
OracleApplicationsMaintenanceUtilities:Thisguidedescribeshowtorunutilities,suchasADAdministrationandADController,usedtomaintaintheOracleApplicationsfilesystemanddatabase.
Outlinestheactionsperformedbytheseutilities,suchasmonitoringparallelprocesses,generatingApplicationsfiles,andmaintainingApplicationsdatabaseentities.
PartofMaintainingOracleApplications,a3-booksetthatalsoincludesOracleApplicationsPatchingProceduresandOracleApplicationsMaintenanceProcedures.
OracleApplicationsMaintenanceProcedures:ThisguidedescribeshowtouseADmaintenanceutilitiestocompletetaskssuchascompilinginvalidobjects,managingparallelprocessingjobs,andmaintainingsnapshotinformation.
PartofMaintainingOracleApplications,a3-booksetthatalsoincludesOracleApplicationsPatchingProceduresandOracleApplicationsMaintenanceUtilities.
xiiiOracleAlertUser'sGuide:ThisguideexplainshowtodefineperiodicandeventalertstomonitorthestatusofyourOracleApplicationsdata.
OracleApplicationFrameworkDeveloper'sGuide:ThisguidecontainsthecodingstandardsfollowedbytheOracleApplicationsdevelopmentstafftoproduceapplicationsbuiltwithOracleApplicationFramework.
ThisguideisavailableinPDFformatonOracleMetaLinkandasonlinedocumentationinJDeveloper10gwithOracleApplicationExtension.
OracleApplicationFrameworkPersonalizationGuide:Thisguidecoversthedesign-timeandrun-timeaspectsofpersonalizingapplicationsbuiltwithOracleApplicationFramework.
OracleApplicationsConcepts:ThisbookisintendedforallthoseplanningtodeployOracleE-BusinessSuiteRelease12,orcontemplatingsignificantchangestoaconfiguration.
AfterdescribingtheOracleApplicationsarchitectureandtechnologystack,itfocusesonstrategictopics,givingabroadoutlineoftheactionsneededtoachieveaparticulargoal,plustheinstallationandconfigurationchoicesthatmaybeavailable.
OracleApplicationsFlexfieldsGuide:Thisguideprovidesflexfieldsplanning,setup,andreferenceinformationfortheOracleApplicationsimplementationteam,aswellasforusersresponsiblefortheongoingmaintenanceofOracleApplicationsproductdata.
Thisguidealsoprovidesinformationoncreatingcustomreportsonflexfieldsdata.
OracleApplicationsMultipleOrganizationsImplementationGuide:ThisguidedescribesthemultipleorganizationsconceptsinOracleApplications.
ItdescribesindetailonsettingupandworkingeffectivelywithmultipleorganizationsinOracleApplications.
OracleApplicationsSupportabilityGuide:ThismanualcontainsinformationonOracleDiagnosticsandtheLoggingFrameworkforsystemadministratorsandcustomdevelopers.
OracleApplicationsSystemAdministrator'sGuideDocumentationSet:ThisdocumentationsetprovidesplanningandreferenceinformationfortheOracleApplicationsSystemAdministrator.
OracleApplicationsSystemAdministrator'sGuide-Configurationcontainsinformationonsystemconfigurationsteps,includingdefiningconcurrentprogramsandmanagers,enablingOracleApplicationsManagerfeatures,andsettingupprintersandonlinehelp.
OracleApplicationsSystemAdministrator'sGuide-MaintenanceprovidesinformationforfrequenttaskssuchasmonitoringyoursystemwithOracleApplicationsManager,managingconcurrentmanagersandreports,usingdiagnosticutilities,managingprofileoptions,andusingalerts.
OracleApplicationsSystemAdministrator'sGuide-SecuritydescribesUserManagement,datasecurity,functionsecurity,auditing,andsecurityconfigurations.
xivOracleApplicationsUser'sGuide:Thisguideexplainshowtonavigate,enterdata,query,andrunreportsusingtheuserinterface(UI)ofOracleApplications.
Thisguidealsoincludesinformationonsettinguserprofiles,aswellasrunningandreviewingconcurrentrequests.
OracleIntegrationRepositoryUser'sGuide:ThisguidecoverstheemploymentofOracleIntegrationRepositoryinresearchinganddeployingbusinessinterfacestoproduceintegrationsbetweenapplications.
OracleWorkflowAdministrator'sGuide:Thisguideexplainshowtocompletethesetupstepsnecessaryforanyproductthatincludesworkflow-enabledprocesses.
ItalsodescribeshowtomanageworkflowprocessesandbusinesseventsusingOracleApplicationsManager,howtomonitortheprogressofruntimeworkflowprocesses,andhowtoadministernotificationssenttoworkflowusers.
OracleWorkflowDeveloper'sGuide:ThisguideexplainshowtodefinenewworkflowbusinessprocessesandcustomizeexistingOracleApplications-embeddedworkflowprocesses.
Italsodescribeshowtodefineandcustomizebusinesseventsandeventsubscriptions.
OracleWorkflowUser'sGuide:Thisguidedescribeshowuserscanviewandrespondtoworkflownotificationsandmonitortheprogressoftheirworkflowprocesses.
OracleWorkflowAPIReference:ThisguidedescribestheAPIsprovidedfordevelopersandadministratorstoaccessOracleWorkflow.
OracleFinancialsandOracleProcurementFunctionalUpgradeGuide:Release11itoRelease12:ThisguidesprovidesdetailedinformationaboutthefunctionalimpactsofupgradingOracleFinancialsandOracleProcurementproductsfromRelease11itoRelease12.
ThisguidesupplementstheOracleApplicationsUpgradeGuide:Release11itoRelease12.
OracleFinancialsConceptsGuide:ThisguidedescribesthefundamentalconceptsofOracleFinancials.
Theguideisintendedtointroducereaderstotheconceptsusedintheapplications,andhelpthemcomparetheirrealworldbusiness,organization,andprocessestothoseusedintheapplications.
OracleFinancialsGlossary:TheglossaryincludesdefinitionsofcommontermsthataresharedbyallOracleFinancialsproducts.
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xvOracleFinancialsImplementationGuide:ThisguideprovidesinformationonhowtoimplementtheOracleFinancialsE-BusinessSuite.
Itguidesyouthroughsettingupyourorganizations,includinglegalentities,andtheiraccounting,usingtheAccountingSetupManager.
Itcoversintercompanyaccountingandsequencingofaccountingentries,anditprovidesexamples.
OracleApprovalsManagementImplementationGuide:UsethisguidetolearnhowtoimplementOracleApprovalsManagement(AME).
AMEisaself-serviceWebapplicationthatenablesuserstodefinebusinessrulesgoverningtheprocessforapprovingtransactionsinOracleApplicationswhereAMEhasbeenintegrated.
OracleHRMSDocumentationSet:Thissetofguidesexplainshowtodefineyouremployees,soyoucangivethemoperatingunitandjobassignments.
Italsoexplainshowtosetupanorganization(operatingunit).
EvenifyoudonotinstallOracleHRMS,youcansetupemployeesandorganizationsusingOracleHRMSwindows.
OracleLoansUserGuide:ThisguidedescribeshowtosetupanduseOracleLoans.
Itincludesinformationonhowtocreate,approve,fund,amortize,bill,andserviceextendedrepaymentplananddirectloans.
OracleOrderManagementDocumentationSet:UsetheOracleOrderManagementUser'sGuideandOracleOrderManagementImplementationManualtolearnaboutcreditcheckingandcreditusagerulesets.
OracleReceivablesUserGuide:ThisguideprovidesyouwithinformationonhowtouseOracleReceivables.
Usethisguidetolearnhowtocreateandmaintaintransactionsandbillsreceivable,enterandapplyreceipts,entercustomerinformation,andmanagerevenue.
ThisguidealsoincludesinformationaboutaccountinginReceivables.
UsetheStandardNavigationPathsappendixtofindouthowtoaccesseachReceivableswindow.
OracleReceivablesImplementationGuide:ThisguideprovidesyouwithinformationonhowtoimplementOracleReceivables.
Usethisguidetounderstandtheimplementationstepsrequiredforapplicationuse,includinghowtosetupcustomers,transactions,receipts,accounting,tax,andcollections.
Thisguidealsoincludesacomprehensivelistofprofileoptionsthatyoucansettocustomizeapplicationbehavior.
OracleReceivablesReferenceGuide:Thisguideprovidesyouwithdetailedinformationaboutallpublicapplicationprogramminginterfaces(APIs)thatyoucanusetoextendOracleReceivablesfunctionality.
ThisguidealsodescribestheOracleReceivablesopeninterfaces,suchasAutoLockboxwhichletsyoucreateandapplyreceiptsandAutoInvoicewhichyoucanusetoimportandvalidatetransactionsfromothersystems.
ArchivingandpurgingxviReceivablesdataisalsodiscussedinthisguide.
OracleTradingCommunityArchitectureUserGuide:ThisguidedescribestheOracleTradingCommunityArchitecture(TCA)andhowtousefeaturesfromtheTradingCommunityManagerresponsibilitytocreate,update,enrich,andcleansethedataintheTCARegistry.
ItalsodescribeshowtouseResourceManagertodefineandmanageresources.
OracleTradingCommunityArchitectureAdministrationGuide:ThisguidedescribeshowtoadministerandimplementOracleTradingCommunityArchitecture(TCA).
Yousetup,control,andmanagefunctionalitythataffectsdataintheTCARegistry.
ItalsodescribeshowtosetupanduseResourceManagertomanageresources.
OracleTradingCommunityArchitectureReferenceGuide:Thisguidecontainsseededrelationshiptypes,seededDataQualityManagementdata,DandBdataelements,BulkImportinterfacetablefieldsandvalidations,andacomprehensiveglossary.
ThisguidesupplementsthedocumentationforOracleTradingCommunityArchitectureandallproductsintheOracleCustomerDataManagementfamily.
OracleTradingCommunityArchitectureTechnicalImplementationGuide:ThisguideexplainshowtousethepublicOracleTradingCommunityArchitectureapplicationprogramminginterfaces(APIs)anddevelopcalloutsbasedonOracleWorkflowBusinessEventsSystem(BES).
ForeachAPI,thisguideprovidesadescriptionoftheAPI,thePL/SQLprocedure,andtheJavamethod,aswellasatableoftheparameterdescriptionsandvalidations.
ForeachBEScallout,thisguideprovidesthenameofthelogicalentity,itsdescription,andtheIDparametername.
Alsoincludedaresetupinstructionsandsamplecode.
IntegrationRepositoryTheOracleIntegrationRepositoryisacompilationofinformationabouttheserviceendpointsexposedbytheOracleE-BusinessSuiteofapplications.
ItprovidesacompletecatalogofOracleE-BusinessSuite'sbusinessserviceinterfaces.
Thetoolletsuserseasilydiscoveranddeploytheappropriatebusinessserviceinterfaceforintegrationwithanysystem,application,orbusinesspartner.
TheOracleIntegrationRepositoryisshippedaspartoftheE-BusinessSuite.
Asyourinstanceispatched,therepositoryisautomaticallyupdatedwithcontentappropriateforthepreciserevisionsofinterfacesinyourenvironment.
DoNotUseDatabaseToolstoModifyOracleApplicationsDataOracleSTRONGLYRECOMMENDSthatyouneveruseSQL*Plus,OracleDataBrowser,databasetriggers,oranyothertooltomodifyOracleApplicationsdataunlessotherwiseinstructed.
xviiOracleprovidespowerfultoolsyoucanusetocreate,store,change,retrieve,andmaintaininformationinanOracledatabase.
ButifyouuseOracletoolssuchasSQL*PlustomodifyOracleApplicationsdata,youriskdestroyingtheintegrityofyourdataandyoulosetheabilitytoauditchangestoyourdata.
BecauseOracleApplicationstablesareinterrelated,anychangeyoumakeusinganOracleApplicationsformcanupdatemanytablesatonce.
ButwhenyoumodifyOracleApplicationsdatausinganythingotherthanOracleApplications,youmaychangearowinonetablewithoutmakingcorrespondingchangesinrelatedtables.
Ifyourtablesgetoutofsynchronizationwitheachother,youriskretrievingerroneousinformationandyouriskunpredictableresultsthroughoutOracleApplications.
WhenyouuseOracleApplicationstomodifyyourdata,OracleApplicationsautomaticallychecksthatyourchangesarevalid.
OracleApplicationsalsokeepstrackofwhochangesinformation.
Ifyouenterinformationintodatabasetablesusingdatabasetools,youmaystoreinvalidinformation.
YoualsolosetheabilitytotrackwhohaschangedyourinformationbecauseSQL*Plusandotherdatabasetoolsdonotkeeparecordofchanges.
OverviewofOracleCreditManagement1-11OverviewofOracleCreditManagementThischapterprovidesanoverviewofOracleCreditManagement.
Thischaptercoversthefollowingtopics:OverviewofOracleCreditManagementWhatInitiatesaCreditReviewOracleCreditManagementProcessFlowsHowAutomationWorksOverviewofOracleCreditManagementOracleCreditManagementprovidesaglobal,standardizedsystemthatletsyoumakeandimplementcreditdecisionsbasedonthecollectedcreditdataofyourbusiness-to-businesscustomersandprospects.
CreditreviewsareautomatedbytheCreditManagementworkflowprocess.
Automatedperiodiccreditassessmentsincludeallactivitiesfromtheinitialcreditreviewrequestandcreationofthecreditapplication,tocreditscoringandanalysis,tothefinalimplementationofcreditdecisions.
WhyisthisusefulFirst,anautomatedcreditreviewprocessemploysstandardguidelinesthatyoudefine,foraconsistentapproachtocreditdecisionsacrossyourentirecreditdepartment.
Additionally,anautomatedprocessthatcontinuouslyevaluatesandmanageslessriskycreditdecisionsleavesyourcreditpersonnelfreetoconcentratetheireffortsonhigherriskcreditassessments.
Forexample,yourskilledcreditanalystscanfocusonselectedcustomerportfolios,suchasthosecustomersdrivingrevenueorlicensesaboveathresholdof$250,000,aswellasoncreditreviewsthatfailtheautomationprocess.
CreditManagementfacilitatesthesemanualcreditreviewsthroughfeaturessuchasonlinecasefolders,easilygeneratedwhat-ifscenarios,andintegrationwithDun&Bradstreet.
1-2OracleCreditManagementUserGuideAsaresult,youcanincreasethescopeofyourcustomers'portfolioswithoutincreasingyourcreditpersonneloverhead.
And,becauseallcreditreviewsareadministeredaccordingtoyourownestablishedcreditpolicies,yourbusinesscancontinuetogrowwithoutcompromisingyourownoverallportfolioriskandfinancialstability.
WhatInitiatesaCreditReviewOracleCreditManagementintegrateswithotherOracleapplications,sothatbusinesseventsacrosstheE-BusinessSuitecaninitiatearequestforacreditreview.
Forexample:AnorderentryclerkplacesanorderinOracleOrderManagementthatcausesacustomertoexceeditscurrentcreditlimit.
AsalesrepresentativeorleasingagententersanewleaseapplicationinOracleLeaseManagementforacustomer.
Sixmonthshavepassedsinceacustomer'slastcreditreviewdate,automaticallyinitiatingaperiodiccreditreview.
Acreditanalystmanuallyentersanewcreditapplicationforaprospect.
Onceinitiated,acreditreviewcaneitherbecompletelyautomated,ormanagedbyaskilledcreditanalyst.
Youcontrolhowcreditreviewshappenwhendefiningyourcreditpolicies.
OracleCreditManagementProcessFlowsOracleCreditManagement'sbusinesssolutioniscomprisedofthesemainprocessflows:1.
Creditpolicymanagement2.
Completionofthecreditapplication3.
Creditanalysisandimplementationofdecisions4.
Riskandrevenuemanagement1.
CreditPolicyManagementBeforecreditanalysiscanbegin,youmustdefineyourcreditpolicies.
InCreditManagement,youmodelyourcreditpoliciesaroundtheintersectionoftwouser-defineddimensions:thecreditreviewtypeandthecustomercreditclassification:Thecreditreviewtypereferstothetypeofcreditreviewsthatyouperformatyourenterprise,suchasCreditChecking,PeriodicCreditReview,orLeaseApplication.
OverviewofOracleCreditManagement1-3Thecustomercreditclassificationreferstothecreditrelationshipsthatyouhavewithyourcustomersandprospects,suchasHighRiskorLowRisk.
Foreachcreditreviewtypeandcreditclassificationcombination,youassignasetofcreditreviewtoolsthatwillvaryaccordingtoyourrequirements.
Creditreviewtoolsinclude:CreditchecklistsCreditchecklistsspecifywhichdatapointsarerequiredoroptionalduringacreditreview.
ExamplesofdatapointsareDaysSalesOutstandingandPercentagesOfInvoicesPaidLate.
Whendefiningchecklists,choosefromauniverseofalmost200datapoints,ordefineyourown.
See:DefiningChecklists,page3-5.
ScoringmodelsScoringmodelsincludethedatapointsandscoringmethodthatareappropriateforaparticularcreditreview.
Whendefiningscoringmodels,foreachdatapoint,(1)indicateascoreforeachrangeofvaluesand(2)optionallyassignarelativeweightingfactor.
Forexample,willyouusethisscoringmodeltodetermineacreditlimitincreaseforanexistingcustomerwhohasyearsofcredithistorywithyourenterpriseInthatcase,youmightassignahigherweightingfactortothePercentagesOfInvoicesPaidLatedatapoint,andalowerweightingfactortotheCreditAgencyScoredatapoint.
See:DefiningScoringModels,page3-9.
AutomationrulesAutomationrulesguidetheimplementationofcreditrecommendationswithoutuserintervention.
Optionallydefineautomationrulesandassignthemtoascoringmodel.
Ifascoreisaboveacertainthreshold,forexample,youmightwantCreditManagementtoautomaticallyapproveandimplementahighercreditlimit,orreleaseanorderhold.
See:AssigningAutomationRules,page3-17.
Duringsetup,youmodelyourcreditpoliciesbyassigningtheappropriatecreditreviewtooltoeachcombinationofcreditreviewtypeandcreditclassification.
Forexample,forthecombinationofIncreaseCreditLimitcreditreviewtypeandHighRiskcustomercreditclassification,yourcreditpoliciesmightdictateaconservativeapproach.
Inthisscenario,youwoulduseaconservativepolicy(scoringmodel)todeterminewhethertograntadditionalcreditandwhatthecreditlimitshouldbe.
2.
CompletionoftheCreditApplicationCreditManagementprovidesamodular,onlinecreditapplication,whichcaneitherbe1-4OracleCreditManagementUserGuidemanuallycompletedbyacreditanalystorautomaticallypopulatedbybusinessevents.
See:UsingCreditApplicationstoCollectCreditData,page4-4.
3.
CreditAnalysisandDecisioningInCreditManagement,creditanalysiscanproceedwiththepartialorfullparticipationofcreditpersonnel.
Usinganonlinecasefolder,thecreditanalysthasalltheinformationneededtomakeinformedcreditdecisions.
Moretypically,creditanalysiswillproceedautomatically.
Creditrecommendationscanbeimplementedwithoutuserinterventionthroughtheuseofautomationrules,OracleWorkflow,andOracleApprovalsManagement.
Forexample,attheconclusionofacreditreview,CreditManagementcanautomaticallyimplementtheserecommendations:EstablishanewcreditlimitReviseanexistingcreditlimitRemoveanorderholdPutacustomeraccountonholdPutacustomerpartyonholdIfanautomatedcreditreviewfailsatanypointduringtheprocess,theworkflowwillstopandthecreditreviewwillberoutedforassignmenttoacreditanalystformanualprocessing.
See:HowAutomationWorks,page1-5.
4.
RiskandRevenueManagementAreyourcurrententerprisecreditpolicieseffectiveCreditManagementprovidesthetoolstohelpyouanalyzetheresultsofpastcreditreviews,sothatyoucanmanageyourassumedcreditriskonanongoingbasis.
Suchanalysiscanhelpyoutodecideifexistingcreditpoliciesrequireadjustment,orifyouarerightontrack.
See:ReviewingCreditManagementPerformance,page3-25.
Youcanalsomanageriskfromareceivablesperspective,intermsofrevenuerecognitiontiming.
CreditManagementintegrateswithanotherE-BusinessSuiteapplication,OracleReceivables,toprovideautomationaroundrevenuemanagement.
DependingonyourReceivablessetup,youcanmanagerevenuerecognitionbaseduponthecustomercreditclassificationassignedbyaCreditManagementcreditreview.
Forexample,ifacustomerhasaHighRiskcreditclassification,youcandeferrevenuerecognitiononthatcustomer'sordersuntilpaymentisreceived.
Thishelpsyoutocomplywithstringentrevenuemanagementrequirements.
OverviewofOracleCreditManagement1-5Note:SetuparoundrevenuemanagementiscompletedinReceivables,notinCreditManagement.
See:DefiningYourRevenuePolicy,OracleReceivablesImplementationGuide.
HowAutomationWorksCreditManagementusesautomationrules,OracleWorkflow,andOracleApprovalsManagementtoautomatethecreditreviewprocess.
Iftheautomatedreviewprocessfails,thenthecreditreviewisroutedtotheCreditSchedulerrole.
AmanagerlogsintotheCreditSchedulerresponsibilitytoreviewandre-routecreditreviewstotheappropriatecreditanalystformanualprocessing.
See:CreditManagementApplicationWorkflow,pageB-1.
ImplementingOracleCreditManagement2-12ImplementingOracleCreditManagementCompletethetasksinthischapterafterinstallation,butbeforesettingupcreditpolicies.
Thischaptercoversthefollowingtopics:DefiningCreditAnalystsMaintainingCustomerDataPopulatingTransactionDataDefiningCreditManagementSystemOptionsDefiningLookupsUpdatingCustomerProfileClassesAssignCustomerCreditClassificationProgramDefiningCreditAnalystsCreditanalystsassistintheresolutionofcredit-relatedissuesandevaluatethecreditworthinessofyourcustomersandprospects.
CreditanalystscanviewcreditapplicationsandcasefoldersinOracleCreditManagement,andcansubmitrecommendationsafterconcludingacreditanalysis.
YoumustdefineemployeesascreditanalystsandcreditmanagersbeforetheyhaveaccesstoviewandupdatedatainCreditManagement.
Note:Inadditiontodefiningtruecreditpersonnelascreditanalystsandcreditmanagers,youcanalsoassigntheroleofcreditanalysttootherinterestedpartieswhorequireview-onlyaccesstocreditapplications.
Forexample,asalesrepresentativewhoinitiatesacreditreviewrequestbysubmittingaleaseapplicationmightwanttoviewthecreditapplicationdetails.
Todefinecreditanalysts:2-2OracleCreditManagementUserGuide1.
FirstdefineyourcreditanalystsasemployeesinOracleHumanResourcesManagementSystem(HRMS).
See:PeopleManagementOverview,OracleHRMSWorkforceSourcing,Deployment,andTalentManagementGuide.
2.
Next,importemployeesfromHRMSintoResourceManagerandassignroles.
TwoseededrolesexistforCreditManagement:CreditAnalystCreditManagerNote:Acreditmanagerhasaccesstosetupfunctionality.
Youcanassignthecreditmanagerroletoacreditanalyst.
See:OverviewofSettingUpResourceManager,OracleTradingCommunityArchitectureAdministrationGuideandOverviewoftheOracleResourceManager,OracleTradingCommunityArchitectureUserGuide.
3.
Finally,whendefiningyouranalystsasE-BusinessSuiteusersintheUserswindow,linkeachanalysttohisorherHRMSrecordbyselecting:Theanalyst'snameinthePersonfieldTheanalyst'sPersonIDfortheOracleSelf-ServiceWebApplicationsICX_HR_PERSON_IDandTO_PERSON_IDsecuringattributesSee:UsersWindow,OracleApplicationsSystemAdministrator'sGuide-Security.
Afteryoudefineacreditanalyst,youcanmodifyanyoftheanalyst'sinformation,excepttheemployeeandusernames.
Tip:Non-employeescanalsoinitiate(fromanapplicationoutsideCreditManagement)thecreationofcreditapplications.
Non-employeesareuserswhoarenotinOracleHRMSandwhoarenotassignedacreditanalystroleinResourceManager.
Forexample,anon-employeemightbeavendororacontractor.
Toenablethisintegration,thepassingapplicationmustsendtherequestor_typeofFND_USERandtherequestor_idofFND_USER_IDtoCreditManagementwhencallingtheCreditRequestAPI.
SeetheCreditManagementAPIUserNotesappendixintheOracleCreditManagementUserGuide.
ImplementingOracleCreditManagement2-3MaintainingCustomerDataIntegratingwithDun&BradstreetOracleCreditManagementintegrateswithDun&Bradstreet,whichmaintainsagrowingglobaldatabaseofmorethan60millionbusinessesworldwide.
Withthisintegration,youcanretrieveD&Bcreditinformationforacustomerorprospect,therebyextendingtheaccessibilityofcriticalcreditinformationbeyondyourownhistoricaldata.
InformationthatyoupurchasefromD&Bcanbeaddedtocreditchecklistsasdatapoints.
Duringacreditreview,CreditManagementautomaticallyincludesthoseD&Bdatapointsinthecasefolder.
See:AddingDun&BradstreetDataPointstoaChecklist,page3-8.
D&BinformationisavailableintheformofGlobalAccessDataProducts.
Iftheinformationthatyouhaveinyoursystemisoutdatedordoesnotexist,thenyoucanpurchasetheinformationonlinefromD&B.
BeforeyoucanpurchaseproductsfromD&B,youmustfirstenabletheintegrationbetweentheE-BusinessSuiteandD&B.
See:SettingUpThirdPartyDataIntegration,OracleTradingCommunityArchitectureAdministrationGuide.
ToallowuserstopurchaseD&Bdata,settheHZ:AllowAccesstoD&BOnlinePurchaseprofileoptiontoYes.
SettingUpDataQualityManagementSearchOracleCreditManagementemploystheDataQualityManagement(DQM)matchrulestoidentifyhowsearchresultsshouldbedisplayedintheapplication'ssearchscreens.
See:DataQualityManagementOverview,OracleTradingCommunityArchitectureAdministrationGuide.
ToimplementDQMinCreditManagement:1.
Withtheseprofileoptions,specifytheseededoruser-definedmatchrulesfordeterminingthesearchcriteriaandresults.
ThematchrulesmusthavetheSearchpurpose.
HZ:MatchRuleforOrganizationAdvancedSearchNote:ThisprofileoptiondefaultstotheseededmatchruleHZ_ORG_ADV_SEARCH_RULE.
See:HZ_ORG_ADV_SEARCH_RULE,OracleTradingCommunityArchitectureReferenceGuide.
HZ:MatchRuleforOrganizationSimpleSearch2-4OracleCreditManagementUserGuideNote:ThisprofileoptiondefaultstotheseededmatchruleHZ_ORG_SIMPLE_SEARCH_RULE.
See:HZ_ORG_SIMPLE_SEARCH_RULE,OracleTradingCommunityArchitectureReferenceGuide.
2.
SettheHZ:EnableDQMPartySearchDetermineprofileoptiontoYes.
DQMsearchisenabledonlyforsearchesthathasanassignedmatchrule,basedontheaboveprofileoptions.
3.
RuntheDQMStagingprogramfromaTradingCommunityManagerresponsibility.
TheDQMStagingprogramusesthematchrulesthatyouselectedtocreatetheindexesusedinOracleCreditManagementsearchscreens.
See:DQMStagingProgram,OracleTradingCommunityArchitectureAdministrationGuide.
PopulatingTransactionDataToenablefasterperformanceandgreaterprocessingefficiency,OracleCreditManagementpopulatestwosummarytableswithOracleReceivablesdata,suchastheamountofopeninvoicesandthepercentageofinvoicespaidlate.
Later,duringcreditreviews,CreditManagementexaminesthedataintheseprepopulatedtables,thussavingprocessingtimeanddeliveringfasterresults.
Thetablesare:AR_TRX_BALANCES_SUMMARY_ALLStorescurrentbalances,suchastheamountofopeninvoicesandopenreceivables.
Balancesarestoredascurrentsnapshotsandarenotdependentonanytimeparameter.
AR_TRX_SUMMARY_ALLStoresdata,suchasthecountofopeninvoicesandtotalinvoicevalue,thatissummarizedforaspecifiedperiodoftime.
YouspecifytheperiodoftimeusingthePeriodforTimeSensitiveDatasystemoption,whichcontrolshowdataisstoredinthistable.
WhyspecifyatimeperiodDependingonwhetheryourbusinessiscyclicalorseasonalinnature,youmaywanttolookbackatcustomerdataforashortorlongperiodoftime.
See:DefiningCreditManagementSystemOptions,page2-7.
Note:AnotherapplicationintheE-BusinessSuite,OracleAdvancedImplementingOracleCreditManagement2-5Collections,alsousesthesesummarytables.
Twomethodsexisttopopulatethesummarytableswithdata:1.
Initialload(manualimplementationstep):Duringimplementation,settheAR:AllowsummarytablerefreshprofileoptiontoYes.
Then,runtheCreditManagementRefreshARTransactionsSummaryTablesconcurrentprogramfromtheSubmitRequestswindow.
ThisprogramcalculatesandloadssummarizeddatafromOracleReceivablesforallcustomers.
Note:Oncetheconcurrentprogramsuccessfullycompletes,theprofileoptionisautomaticallysetbacktoNo.
Ifyoueverwanttoresetthesummarytables,thenyoumustfirstsettheprofileoptionbacktoYes.
See:ProfileOptionsandProfileOptionCategoriesOverview,pageA-1.
2.
Continuousupdates(automaticprocess):Theinitialdataloadisonlyasnapshotofcustomerdataatapointintime.
Toensurethatcreditreviewsaccessthemostcurrentdata,allsubsequenttransactionsforyourcustomersmustbecapturedinthesummarytables.
Thisdatacaptureisautomaticallyenabledthroughaseriesofworkflowbusinessevents.
WhatisabusinesseventAbusinesseventisanoccurrenceinaninternetorintranetapplicationorprogramthatmightbesignificanttootherobjectsinasystemortoexternalagents.
See:Events,OracleWorkflowDeveloper'sGuide.
AsbusinesseventsoccurinOracleReceivables,thoseeventsareenqueuedintheseededWF_DEFERREDqueue,whichisthestandardqueuefordeferredsubscriptionprocessinginthedatabase.
Aseventsareenqueued,aseededPL/SQLagentlistenerservicecomponentnamedWorkflowDeferredAgentListenerrunsonascheduledbasisandexecutestheeventsubscriptions(alreadyseededbyCreditManagement)byupdatingthesummarytables.
See:CreditManagementApplicationWorkflow,pageB-1.
Forinstance,areceiptapplicationisanexampleofanOracleReceivablesbusinessevent.
CreditManagementconsidersthisbusinesseventsignificantbecausereceiptapplicationsimpactcustomerdata.
Accordingly,CreditManagementprovidesadefaultsubscriptiontothisevent,sothatwhenreceiptapplicationsarerecordedinthesystem,theWorkflowDeferredAgentListenerautomaticallyupdatesthesummarytablesduringitsnextscheduledrun.
Thebusinesseventsthatcanbetriggeredtopopulatethesummarytablesare:oracle.
apps.
ar.
adjustments.
Adjustment.
approve2-6OracleCreditManagementUserGuideoracle.
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createoracle.
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CashApp.
applyoracle.
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CreditMemoApp.
applyoracle.
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runoracle.
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AutoInvoice.
runoracle.
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runoracle.
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CopyInvoices.
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QuickCash.
PostBatchoracle.
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CashReceipt.
DebitMemoReverseoracle.
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Deleteoracle.
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approveoracle.
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CashReceipt.
confirmoracle.
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createoracle.
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CashReceipt.
modifyoracle.
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reverseoracle.
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unconfirmoracle.
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Aging.
PastDueoracle.
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ChargeBack.
createoracle.
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modifyoracle.
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CreditMemo.
completeoracle.
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incompleteoracle.
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CreditMemo.
modifyImplementingOracleCreditManagement2-7oracle.
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completeoracle.
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incompleteoracle.
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completeoracle.
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completeoracle.
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incompleteoracle.
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Invoice.
modifyFrequentlyAskedQuestionsThesummarytablesarenotgettingupdated.
HowcanItroubleshootthisproblemToruntheseededagentlistener,youshouldensurethattheWorkflowAgentListenerServicecontainerisrunningusingOracleApplicationsManagerfortheversionofOracleWorkflowembeddedinOracleApplications,orensurethattheWFALSNRSVCcontainerisrunningusingOracleEnterpriseManagerforthestandaloneversionofOracleWorkflow.
Tomanageagentlistenerservicecomponents,useOracleWorkflowManager,whichisavailableasacomponentofOracleApplicationsManagerifyouareusingtheversionofOracleWorkflowembeddedinOracleApplications,orasacomponentofOracleEnterpriseManagerifyouareusingthestandaloneversionofOracleWorkflow.
Formoreinformation,pleaserefertotheOracleApplicationsManageronlinehelportheOracleEnterpriseManageronlinehelp.
See:SchedulingListenersforLocalInboundAgents,OracleWorkflowAdministrator'sGuide.
DefiningCreditManagementSystemOptionsDefinetheseOracleCreditManagementsystemoptions.
2-8OracleCreditManagementUserGuideAgingBucketSpecifywhichagingbucketstousewhenpresentingagingdatainCreditManagement.
CreditManagementpresentsagingdataasdatapointsinseveralpages,suchasfromtheAgingDetailsandCreditSummarypages.
Note:Toensurethatcreditreviewcomparisonsdisplayconsistentagingdata,youcannotchangethissystemoptiononceyouhavesavedit.
See:AgingBucketsandInterestTiers,OracleReceivablesImplementationGuide.
FrequentlyAskedQuestionsWhydoesmyCreditManagementagingdatanotmatchmyOracleReceivablesagingdataCreditManagementcalculatesitsownagingdataafterpullingcertainpiecesofinformationfromOracleReceivablestables.
InCreditManagement,theprimaryconcernisaroundcreditandcollections.
Forexample,whataretheduedatesandcollectiondatesInReceivables,theprimaryconcernisaroundcollection.
Forexample,whataretheeffectivedates,whenwasthereceivablebookedDuetothisdifferenceinfocus,CreditManagementandOracleReceivablesagingdatacanbedifferent.
DefaultCustomerCreditClassificationCreditclassificationassignmentscaneitherbeassignedbyapreviouslycompletedcreditreview,orassignedonthecustomerprofile.
Forthosecustomersorprospectswhodonotyethavecreditclassificationassignments,usethissystemoptiontoselectthecreditclassificationthatyouwanttouseasthedefaultoncreditapplications.
ThedefaultisHighRisk.
See:DefiningCustomerProfileClasses,OracleReceivablesImplementationGuide.
PeriodforTimeSensitiveDataSelecttheperiodforwhichcreditdatawillbecollectedintothesummarytablesandusedinscoringduringacreditanalysis.
Reviewingsummarizedorder,invoice,andpaymentdataoveraperiodoftimecanprovideyouwithanoverallpictureofacustomer'spastcreditrelationshipwithyou,andcanhelptopredictfutureperformance.
ImplementingOracleCreditManagement2-9Anarrowertimeperiodshowsshort-termtrends,whilealongertimeperiodshowslong-termviability.
Thedefaultis12months.
See:PopulatingTransactionData,page2-4.
ApplicationNumberingOptionIndicateifyouwantCreditManagementtoautomaticallyassignanumbertoeachcreditapplication.
ThedefaultisYes.
Caution:CarefullyconsideryourbusinessrequirementsbeforesettingthissystemoptiontoNo.
Forexample,creditreviewrequestorsfromoutsideCreditManagementcanincludeacreditapplicationIDinthecreditreviewrequestitself.
However,iftheincomingcreditrequestdoesnotcontainthecreditapplicationIDandtheApplicationNumberingOptionsystemoptionissettoNo,thentheworkflowwillfail,requiringmanualintervention.
AcreditanalystwillneedtoaddacreditapplicationIDtotheapplication.
ExchangeRateTypeSelectthedefaultexchangeratetypethatCreditManagementwillusetoconvertforeigncurrencydatapointstoyourcreditcurrencyduringacreditanalysis.
YoucanselectCorporate,Spot,orUser.
ThedefaultisCorporate.
CreditManagementusesthisvaluetoconvertdatawhendatapointvaluesarecalculated,andalsoforreporting.
DSODaysIndicatethetimeperiodthatCreditManagementusestocalculateDaysSalesOutstanding(DSO)andDelinquentDaysSalesOutstanding(DDSO).
Note:CreditManagementusesitsownDSOcalculation;thisvalueisnotpopulatedfromOracleReceivables.
Thedefaultis90days.
AppealDaysOtherapplicationsintegratingwithCreditManagementcanappealacredit2-10OracleCreditManagementUserGuiderecommendation.
Youcontroltheappealperiodbyenteringadefaultnumberofdays,afterwhichanappealisnolongerallowed.
CreditManagementcalculatestheappealexpirationdateastherecommendationdateplustheAppealDaysvaluethatyouselecthere.
DefiningLookupsCreditManagementuseslookupstohelpspeeddataentryandincreaseaccuracy.
YoucanusethepredefinedlookupsthatCreditManagementprovides,oryoucancreateadditionallookupswhererequired.
Forexample,toidentifyanapplicant'spotentialcreditrisk,youmustselectacreditclassification,ifnotpreviouslyassigned,whenenteringacreditapplication.
Thecreditclassificationdescribesthetypeofcreditrelationshipthatyouhavewiththeapplicant.
CreditManagementprovidesyouwithHighRisk,LowRisk,ModerateRisk,andNewProspect,butyoucanoptionallydefinenewcreditclassificationstofityourbusinessneeds.
UsetheOracleReceivablesLookupswindowtodefineanyadditionallookupsthatyourequire.
Tip:Afteryouaddnewcreditclassificationsorreasontypes,bouncetheapacheservertomakesurethatthenewvaluesareavailableforuserstoselectintheapplication.
ThefollowingtablelistslookuptypesusedforCreditManagement.
MeaningTypeWhereUsedCreditAnalysisTopicAR_CMGT_ANALYSIS_TOPICCasefolderARCMCollateralCategoryAR_CMGT_COLLATERAL_CATEGORYCreditapplication,casefolderARCMCollateralValuationTypeAR_CMGT_COLLAT_VALUATON_TYPECreditapplication,casefolderCreditClassificationAR_CMGT_CREDIT_CLASSIFICATIONCreditapplication,checklistsetupBusinessEntityTypeAR_CMGT_ENTITY_TYPECreditapplicationARCMFinancialDataMonetaryUnitAR_CMGT_FIN_DATA_MONETARY_UNITCreditapplication,casefolderImplementingOracleCreditManagement2-11MeaningTypeWhereUsedFinancialReportingPeriodAR_CMGT_FIN_REPORTING_PERIODCreditapplication,casefolderCreditRecommendationsforTradeAR_CMGT_RECOMMENDATIONSCasefolder,automationrulessetupReviewTypeAR_CMGT_REVIEW_TYPECreditapplicationCreditRecommendationsforTermAR_CMGT_TERM_RECOMMENDATIONSCasefolder,automationrulessetupCreditManagementInternalTradeRatingsAR_CMGT_TRADE_RATINGSAssetClassesOCM_ASSET_CLASSESAssetQuantityTypeforClassOtherOCM_ASSET_QNT_ASSET_OTHERAssetQuantityTypeforMachineryandEquipmentOCM_ASSET_QNT_MACHINERY_EQPMNTAssetQuantityTypeforRealEstateOCM_ASSET_QNT_REAL_ESTATEAssetQuantityTypeforSecuritiesOCM_ASSET_QNT_SECURITIESAssetReferenceTypeforClassOtherOCM_ASSET_REF_ASSET_OTHERAssetReferenceTypeforMachineryandEquipmentOCM_ASSET_REF_MACHINERY_EQPMNTAssetReferenceTypeforRealEstateOCM_ASSET_REF_REAL_ESTATEAssetReferenceTypeforSecuritiesOCM_ASSET_REF_SECURITIESOCMRequestSourceOCM_REQUEST_SOURCE2-12OracleCreditManagementUserGuideMeaningTypeWhereUsedUserDataPointCategoriesOCM_USER_DATA_POINT_CATEGORIESAdditionaldatapointssetupRelatedTopicsReviewingandUpdatingReceivablesLookups,OracleReceivablesImplementationGuideUpdatingCustomerProfileClassesIntheOracleReceivablesCustomerProfileClasseswindow,usetheCollectorsregionontheProfileClasstabtoassigncreditinformationtoyourcustomerprofileclasses:ClassificationOr,usetheAssignCustomerCreditClassificationprogram,page2-13.
PeriodicreviewcycleSee:PeriodicCreditReviewProgram,page4-24.
AnalystOptionallyassigncreditanalyststoindicatewhoisresponsibleformonitoringthecreditworthinessoftheaccountandforassistingintheresolutionofcredit-relatedissues.
Note:CreditManagementlooksforanassignedcreditanalystatthecustomerprofile,onlyafterotherlocationsfailtoprovideanassignment.
See:CreditAnalystAssignmentRules,page6-1.
Ifacreditapplicantdoesnothaveanassignedcreditanalyst,orisaprospect,thenanycreditreviewforthatapplicantisroutedtotheCreditSchedulerforanalystassignment.
See:CreditManagementApplicationWorkflow,pageB-1.
RelatedTopicsDefiningCustomerProfileClasses,OracleReceivablesImplementationGuideDefiningCreditAnalysts,page2-1OverviewofOracleCreditManagementSetup,page3-1ImplementingOracleCreditManagement2-13AssignCustomerCreditClassificationProgramUsetheAssignCustomerCreditClassificationprogramtoaddorupdatethecreditclassificationonacustomer.
Usethisprogramwhenyoufirstbeginusingcreditclassifications,orwheneveryouwanttoupdatemultiplecustomersatonce.
Otherwise,assignthecreditclassificationatthecustomerprofileclasslevel,oratthecustomeroraddresslevel.
SelectedParametersUpdateExistingCreditClassification:SelectYestoupdatethecreditclassificationforallcustomerswhoareassignedtothespecifiedprofileclass.
SelectNoifyoudonotwanttoupdatethecreditclassificationforcustomerswhoalreadyhaveexistingcreditclassifications.
IfyouselectNo,thenonlycustomerswhohavenoexistingcreditclassificationsareassignedthenewcreditclassification.
RelatedTopicsOverviewofOracleCreditManagementSetup,page3-1DefiningCustomerProfileClasses,OracleReceivablesImplementationGuideSettingUpYourCreditPolicies3-13SettingUpYourCreditPoliciesThischapterdescribessettingupandadministeringcreditpolicies,aswellasreviewingtheperformanceofthepolicies.
Thischaptercoversthefollowingtopics:OverviewofOracleCreditManagementSetupWhatisaCreditDataPointDefiningChecklistsAddingDun&BradstreetDataPointstoaChecklistDefiningScoringModelsExternalScoringAssigningAutomationRulesSettingUpCreditRecommendationsSettingUpCreditDecisionApprovalPoliciesReviewingCreditManagementPerformanceOverviewofOracleCreditManagementSetupTheflexiblesetupproceduresthatfollowreflectOracleCreditManagement'sabilitytomeetthedemandsofyourenterprise'sparticularcreditpolicies.
Duringsetup,youdefineyourcreditpoliciesthatdeterminethedatausedforanalysis,thecreditscoresthatarecalculated,andthecreditrecommendationsthataremade.
First,designthecreditreviewtoolsthatOracleCreditManagementusestoassesscreditworthiness:Definechecklists,page3-5Definescoringmodels,page3-93-2OracleCreditManagementUserGuideAssignautomationrules(optional),page3-17Then,definecreditrecommendations,page3-19andapprovalpolicies,page3-21.
Finally,usethetoolsonthePerformancetabtoensurethatyourcreditpoliciesareadequatelyassessingthecreditworthinessofyourcustomersandprospects.
See:ReviewingCreditManagementPerformance,page3-25.
RelatedTopicsChapter2,ImplementingOracleCreditManagementWhatisaCreditDataPointAcreditdatapointisasinglepieceofcreditinformation,suchasthenumberoflatepaymentsorDSOdays(dayssalesoutstanding),whichOracleCreditManagementusesduringcreditanalysis.
CreditManagementpullsvariouscreditdatapointsfromamultitudeofsourcestoassessthecreditworthinessofyourcustomersandprospects.
Sourcesinclude:SeededdatapointsCreditManagementprovidesalmost200datapointsthatyoucanincludeincreditreviews.
ThesedatapointsarepulledfromotherapplicationsintheE-BusinessSuite,suchasOracleReceivablesandOracleOrderManagement.
SeetheOracleCreditManagementDataPointsappendixintheOracleCreditManagementUserGuide.
Dun&BradstreetdatapointsYoucanpurchasecreditinformationfromDun&BradstreetandincludeD&Bdatapointsincreditreviews.
See:MaintainingCustomerData,page2-3andAddingDun&BradstreetDataPointstoaChecklist,page3-8.
User-defineddatapointsInternalYoucandefineadditionaldatapointsandassociateaPL/SQLpackageandfunctiontoderiveavalueforthatdatapoint.
ExternalYoucanincludedatapointsfromothersourcesfromoutsidetheE-BusinessSuite,suchascreditbureausthatarenotcurrentlyintegratedwithCreditManagement.
Important:Duringacreditreview,CreditManagementwillnotSettingUpYourCreditPolicies3-3automaticallypopulatevaluesforexternaldatapointsuponcasefoldercreation.
Becausethesedatapointsaremissingwhenthecasefolderiscreated,theCreditManagementworkflowwillfailandacreditanalystmustmanuallyenterthemissingdatapointvalues.
See:DefiningAdditionalDataPoints,page3-3.
DefiningAdditionalDataPointsWhensettingupyourcreditreviewtools(creditchecklistandscoringmodel),youindicatewhichdatapointstoincludeforcreditanalysis.
Later,duringacreditreview,OracleCreditManagementpullsthedatapointsspecifiedonthecreditchecklistandanalyzesthecollectedinformationbasedonthescoringmodelparameters.
CreditManagementprovidesyouwithaninventoryofalmost200seededdatapointsonwhichtobasecreditreviewsanddecisions.
DatapointsfromotherE-BusinessSuiteapplications,suchasOracleOrderManagementandOracleLeaseManagement,arealsoprovidedforyouruse.
ButwhatiftheseededinventoryofdatapointsdoesnotcoveryourbusinessrequirementsYoucanextendthemenuofavailabledatapointswithinCreditManagementbydefiningyourowndatapointstobeselectedduringchecklistandscoringmodeldefinition.
Todothis,usetheAdditionalDataPointspageoffthePolicyManagementtab.
Tip:Remembertoenablenewly-createddatapoints.
Datapointsthatarenotenabledarenotavailableduringchecklistandscoringmodeldefinition.
Note:OntheAdditionalDataPointspage,youcanviewbothseededaswellasuser-defineddatapoints,butyoucanupdateonlytheuser-defineddatapoints.
Whendefiningnewdatapoints,youcan:Addexistingoruser-definedPL/SQLpackagesandfunctionstoautomaticallyderiveavalueuponcasefoldercreation.
Thisensuresthattheentirecreditreviewprocessremainsautomated.
Caution:CarefullyconsideryourbusinessprocessbeforeleavingthePackageandFunctionfieldsempty.
IfyouchoosenottohaveCreditManagementautomaticallyderiveadatapoint'svalue,then3-4OracleCreditManagementUserGuidethevaluewillbemissinguponcasefoldercreation.
Inthiscase,theworkflowwillfailandacreditanalystmustmanuallyaddthedatapointvalue.
Ifadatapointhasanassociatedfunction,thenthedatapointvalueisnotupdatableinthecasefolder.
ForPL/SQLguidelines,see:GuidelinesforDerivingDataPointValues,pageE-1.
Definehierarchicalrelationshipsbetweendatapointsbyselectingaparentdatapoint.
Hierarchicalrelationshipscaninvolveoneparentandmanychildren,ormultiplelevelsofchildren.
Forexample,duringacreditreviewofacustomerwhoisapplyingforanewleaseagreementforatractor,youwillprobablywanttoincludeinthecreditanalysisthetractor'srentalfee.
Inthiscase,theassetistheparentdatapoint,anditschilddatapointistherentalfee.
Iftherentalfeeisdifferentdependingontheleaseterm(0-12monthsvs.
13-48months),thentheleasetermbecomesachildoftherentalfeedatapoint.
Note:Duringchecklistdefinition,childdatapointsarenotavailableforselection.
Ifaparentdatapointisrequired,thenitschilddatapointsarealsorequired.
Specifyadatapointcategory.
Adatapointcategoryactsasafiltertoclassifyyouruser-defineddatapoints.
Forexample,youmightwanttoorganizedatapointsbyexternalsource,suchasbycreditbureauname.
Toimplementcategories,youmustfirstdefinethemusingtheOCM_USER_DATA_POINT_CATEGORIESlookup.
See:DefiningLookups,page2-10.
Indicateifadatapointisscorable.
Ifadatapointisscorable,thenyoucandefinerangesandscoresforthatdatapointduringscoringmodeldefinition.
Tip:IfadatapointisassociatedwithaPL/SQLfunctionthatreturnsmultiplevalues,thenthisdatapointisnotscorable.
FrequentlyAskedQuestionsWhendefininganadditionaldatapoint,isthereanyimpactifIdonotassignaPL/SQLfunctionSettingUpYourCreditPolicies3-5IfnopackageisassociatedthenthevaluewillbedefaultedtoNULL,andyourcreditanalystsmustmanuallyentervaluesinthecasefolder.
Thismeansthatuponcasefoldercreation,theworkflowwillfailandthecreditreviewwillberoutedtotheCreditSchedulerforassignmenttoacreditanalyst.
WhathappensifanassignedPL/SQLfunctionfailsduringcasefoldercreationTheworkflowprocesswillfailandthecasefolderwillberoutedtotheCreditSchedulerforassignmenttoacreditanalyst.
HowcanacreditreviewincludedatapointsinaforeigncurrencySettheAR:DefaultCreditManagementCurrencyprofileoptiontoidentifythecurrencyinwhichyouwanttoconductyourcreditreviews.
CreditManagementchecksthisprofileoption,thenconvertsforeigncurrencydatapointsintothestatedcurrency.
See:ProfileOptionsandProfileOptionCategoriesOverview,pageA-1.
Youmustalsodefinemulti-currencycreditexposureusagerules.
See:DefiningCreditUsageRulesSets,page7-1.
RelatedTopicsOverviewofOracleCreditManagementSetup,page3-1DefiningChecklistsInOracleCreditManagement,youdocumentyourenterprise'screditpoliciesviauser-definedcreditchecklists.
Usingvariouschecklists,youmanagethecreditanalysisprocessbydefiningtherequiredandoptionaldatapointsthatareincludedinthecreditreview.
Definingachecklistisamulti-stepprocess,duringwhichyoucanselectchecklistcriteriaintheformofdatapointsfromamultitudeofsources.
CreditManagementusesthesechecklistsintwoplaces:1.
Creditapplication-Thechecklistdetermineswhichfieldsarerequiredontheapplication.
2.
Creditanalysis-Thechecklistidentifieswhatdatashouldbeautomaticallycollectedanddisplayedinthecasefolder.
Whendefiningachecklist,youselectacreditreviewtypeandcreditclassificationcombination.
Duringacreditreview,CreditManagementusestheintersectionofthecreditreviewtypeandtheapplicant'screditclassificationtoselecttheappropriatechecklisttouseforthecreditanalysis.
Thehigherthecustomercreditclassificationrisk,themorestringentthecreditpolicy(scoringmodel).
Forexample,yourenterprisedefinesthesecreditreviewtypes:Creditchecking3-6OracleCreditManagementUserGuideCreditreviewPeriodiccreditreviewCreditapplicationLeaseapplicationAdditionally,yourenterprisedefinesthesecreditclassifications:HighRiskModerateRiskLowRiskForeachcombinationofcreditreviewtypeandcreditclassification,defineachecklistbasedonyourcreditpolicies.
Forexample,duringaleaseapplicationcreditreviewforaHighRiskcustomer,theassignedchecklistmightrequireadditionalcollateralandbankreferencedatapointsonwhichtobaseacreditdecision.
Note:Foranycombinationofcreditreviewtypeandcreditclassification,onlyonechecklistisactiveatatime.
Thistableliststhepagesfromwhichyouselectdatapointsthatyouwanttoincludeinthechecklist.
ChecklistDefinitionPageDataPointDescriptionDataPointSourceSelectCreditDataPointsIndicateswhichcredit-relateddatafromReceivablesanduser-enteredbusinessinformationtoincludeinthecreditanalysisReceivablesanduser-enteredSelectReferencesDataPointsIndicatesthenumberofbankreferencesandtradereferencestoenterinthecreditanalysis,aswellasguarantors,venturecapital,andcollateralUser-enteredSelectPaymentsDataPointsIndicateswhichhistoricalorderandreceivablesdatatoincludeinthecreditanalysisOrderManagementandReceivablesSelectAgingDataPointsIndicateswhichagingdatatoincludeinthecreditanalysisReceivablesSettingUpYourCreditPolicies3-7ChecklistDefinitionPageDataPointDescriptionDataPointSourceSelectDun&BradstreetDataPointsIndicateswhichdatapointsfromthespecificDun&BradstreetGlobalAccessDataProductsreporttoincludeinthecreditanalysisDun&BradstreetDefineAdditionalItemsIndicatesifthecreditanalysisrequiresadditionalinformationfromanoutsidesourceUser-enteredPrerequisitesYoumustfirstdefineyourenterprise'screditclassificationsaswellascreditreviewtypes.
See:DefiningLookups,page2-10.
Todefineachecklist:1.
OntheDefineChecklistpage,enteranameanddescriptionforthischecklist.
2.
Selectthecreditclassificationthatyouwanttoassociatewiththischecklist.
3.
Selectthecreditreviewtypethatyouwanttoassociatewiththiscreditclassificationandchecklist.
4.
IntheNotesfield,optionallyentercommentsaboutthischecklist.
5.
TheStartDatefielddefaultstothecurrentdate,butyoucanchangeittoafuturedate.
Ifyourcreditpolicieschange,thenyoucanenddateachecklistforacombinationandcreateanewchecklist.
Afteryoudesignateanenddateforachecklist,youcannotchangeorremoveit.
Note:Ifyouenterafutureenddate,thenyoucanassociateasecondchecklistwiththissamecombinationofcreditclassificationandcreditreviewtype,providedthatthesecondchecklist'sstartdateisafterthischecklist'senddate.
6.
Optionallyassignascoringmodeltothischecklist.
WheneverCreditManagementusesthischecklistforacreditanalysis,thescoringmodelthatyouassignherewillbethedefault.
3-8OracleCreditManagementUserGuideNote:Duringacreditanalysis,youcangeneratevariouswhat-ifscenariosbychangingthescoringmodelthatisattachedtothechecklist.
See:CalculatingaCreditScore,page4-18.
Important:Beforeassigningascoringmodel,ensurethatthescoringmodel'sselecteddatapointsarealsoincludedbythischecklist.
7.
UsetheCreditPolicyStatementfieldtooptionallyenteradescriptionofthecreditpolicythatthischecklistenforces.
8.
Thefollowinggroupofpagesdisplayvariousdatapointsthatyoucanselectforinclusioninthischecklist.
Selectthedatapointsthatyouwantthischecklisttoinclude.
Ifyoudonotselecteithercheckbox,thenthechecklistwillnotincludethedatapointatall.
Datapointsthatareuser-enteredorfromanexternalsourcecanbedesignatedasrequiredoroptional.
See:DefiningAdditionalDataPoints,page3-3.
ForadditionalinformationaboutselectingdatapointsfromDun&Bradstreet,seeAddingDun&BradstreetCreditDatatoaChecklist,page3-8.
Oneachpage,youcanviewthechecklistcriteriathatyouhavesaveduptothatpoint.
9.
ClickSubmittofreezethechecklist.
Onceyouhavesubmittedthechecklist,youcannotmodifyit.
Ifmodificationsarenecessary,thenyoumustenddatethechecklistandcreateanewchecklist.
RelatedTopicsOverviewofOracleCreditManagementSetup,page3-1AddingDun&BradstreetDataPointstoaChecklistWhenyoufirstsetupachecklist,theSelectDun&BradstreetDataPointspageprovidesyouwithanoverviewofGlobalAccessDataProductsthatyoucanpurchase.
Fromthispage,selectthedataproductwhosedatapointsyouwanttoincludeonyourchecklist.
Youcanselectmorethanonedataproduct,butyouwouldtypicallyincludeonlyoneproductonachecklist.
Later,duringacreditanalysis,thecasefolderdisplaystheD&Bdatapointsthatyouincludedontheassociatedchecklist.
SettingUpYourCreditPolicies3-9PurchasingAllDataPointsfromaD&BDataProductWhenyouincludeaGlobalAccessDataProductonachecklist,alldatapointsforthatreportaredisplayed.
Duringacreditanalysis,CreditManagementcheckstoseewhetherthedataexistsinyourdatabaseandiscurrent:IfthedataisnotavailableandyouselectedtheAllDataRequiredcheckbox,thenyoumustpurchasethedata.
CreditManagementwillnotcompletethecreditanalysisandmakearecommendationuntilthedataisimportedfromDun&Bradstreet.
IfthedataisnotavailableandyouselectedtheAllDataOptionalcheckbox,thenyouwillreceiveanotificationthatthedatadoesnotexist.
However,CreditManagementwillstillcompletethecreditanalysisandmakearecommendation.
RelatedTopicsThirdPartyDataIntegrationOverview,OracleTradingCommunityArchitectureUserGuideOverviewofOracleCreditManagementSetup,page3-1DefiningScoringModelsAscoringmodelisoneoftheprimarycreditreviewtoolsthatOracleCreditManagementusestoassessthecreditworthinessofyourcustomersandprospects.
See:OverviewofOracleCreditManagement,page1-1.
Scoringmodelsincludethedatapointsandscoringmethodthatareappropriateforaparticularcreditreview.
Whendefiningscoringmodels,foreachdatapoint,(1)indicateascoreforeachrangeofvaluesand(2)optionallyassignarelativeweightingfactor.
Duringacreditanalysis,CreditManagementusesthescoresthatyouassignedtoeachdatapointrangeofvaluestocalculateascore.
Thelowerthecreditscore,thegreaterthecreditrisk.
Note:Creditscoresarecalculatedaswholeintegers,withdecimalvalues.
5orgreaterroundedup.
Forexample,70.
5becomes71,and70.
4becomes70.
Thepowerofthescoringmodelliesinitsabilitytofacilitatetheautomatedcreditreviewprocess,becauseyoucanattachrecommendationstoeachscorerange.
Onceascorehasbeencalculated,CreditManagementcanautomaticallydeterminetheappropriatecreditrecommendationswithoutuserintervention.
See:AssigningAutomationRules,page3-17.
3-10OracleCreditManagementUserGuideCreditManagementprovidesyouwiththeabilitytodefinemultiplescoringmodels.
Defineadifferentscoringmodelforeachtypeofcreditreviewthatyouneed.
Thisletsyouapplystandardandconsistentscoringguidelinesacrossyourcustomersandprospects.
Youcanassignadefaultscoringmodeltoacreditchecklist.
See:DefiningChecklists,page3-5.
Later,duringcreditanalysis,youcangeneratevarious"what-if"scenariosduringacreditreviewbyselectingdifferentscoringmodelsfromthecasefolder.
See:CalculatingaCreditScore,page4-18.
Tip:YoucanignoreCreditManagement'sscoringmodelaltogetheranduseanexternalscoringenginetoderiveacreditscore.
See:ExternalScoring,page3-14.
DefiningScoringModelFormulasYoucanassigndifferentscoringattributestoeachdatapointinyourscoringmodel.
AssigningScoresForeachdatapointthatthescoringmodelincludes,youmustassignarangeofvaluesandacorrespondingscoreforeachrange.
Therangesofvaluesforadatapointtypicallyrepresentlevelsofcreditrisk.
Numericrangescanbepositiveornegative,andyoucanusedecimalpoints.
Scoresmustbenumericvalues,eitherpositiveornegative.
Forexample,thistableillustratessamplerangesandscoresforthePercentageofInvoicesPaidLatedatapoint:CreditRiskRangeValueScoreLow0to2015Moderate21to5010High51to1000ThistableillustratessamplerangesandscoresfortheDSOdatapoint:SettingUpYourCreditPolicies3-11CreditRiskRangeValueScoreLow-999to98Moderate10to245High25to342Highest35to9991AssigningWeights(Optional)Assignaweightingfactortoeachdatapointtoindicatetherelativeimportanceofeachdatapointinthescoringmodel.
Forexample,willyouusethisscoringmodeltodetermineacreditlimitincreaseforanexistingcustomerwhohasyearsofcredithistorywithyourenterpriseInthatcase,youmightassignahigherweightingfactortothePercentagesOfInvoicesPaidLatedatapoint,andalowerweightingfactortotheCreditAgencyScoredatapoint.
Or,assignnoweightsatalltoproducearawscore.
Ifnoweightsareassigned,thenthecalculatedscorecouldfalloutsidethe0to100range.
Tip:YoucanviewtheminimumandmaximumpotentialrawscoresontheReviewpageduringscoringmodeldefinition.
Thisishelpfultoknowwhendefiningautomationrules.
See:AssigningAutomationRules,page3-17.
Continuingthepreviousexample,thistableillustratesthepossibleweightingfactorsforthePercentageofInvoicesPaidLateandDSOdatapoints:DataPointWeightPercentageofInvoicesPaidLate65DSO35Note:Ifyouassignweights,thenthesumofalldatapointweightingfactorsmustequal100.
3-12OracleCreditManagementUserGuideScoreCalculationExampleThisexampleillustrateshowthecreditscoreiscalculated,basedonthescoringmodeldefinedinthepreviousexamples.
Thistableshowsthevaluesforeachdatapoint.
DataPointValuePercentageofInvoicesPaidLate75DSO151.
Foreachdatapoint,thescoreforthevalue'srangeisdividedbythelargestpossiblescoreforthedatapoint.
PercentageofInvoicesPaidLate:0/15=0DSO:5/8=.
6252.
Theresultfromstep1ismultipliedbytheweight.
PercentageofInvoicesPaidLate:0*.
65=0DSO:.
625*.
35=.
136718753.
Theresultsofstep1and2areaddedforeachdatapoint.
0+.
13671875=.
136718754.
Theresultofstep3ismultipliedby100.
.
13671875*100=13.
671875Thecreditscoreis14.
Todefineascoringmodel:1.
OntheDefineScoringModelpage,enterthenameanddescriptionofthisscoringmodel.
2.
IntheCurrencyfield,fromthelistofvalues,selectthecurrencyforthisscoringmodel.
Theselectedcurrencyindicatesthecurrencyinwhichthedatapointrangeisexpressed.
CreditManagementusestheExchangeRateTypesystemoptionduringcurrencyconversion.
3.
UsetheNotesfieldtooptionallyentercommentsaboutthisscoringmodel.
SettingUpYourCreditPolicies3-134.
TheStartDatedefaultstothecurrentdate,butyoucanchangeittoafuturedate.
Ifyourcreditrequirementschangeandyouwanttodefineanewscoringmodelthatismoreinlinewithyourrevisedcreditpolicies,inactivatetheoutdatedscoringmodelbyenteringanenddate.
Theonlyvalidenddateisthecurrentdate.
Tip:Inactivescoringmodelsdonotdisplayonthescoringmodelssearchpage,unlessyouselecttheShowInactiveScoringModelcheckboxasasearchparameter.
Whenyoucreateanewcasefolderorattachascoringmodeltoacreditchecklist,youcanselectonlyascoringmodelthathasnoenddate,oranenddatethatisgreaterthanthecasefolderorchecklistcreationdate.
Note:Onceyouenteranenddateandsaveyourwork,youcannolongerchangeorremovethedate.
Thisensuresthatyourcreditpoliciesarestrictlyenforced,andalsothatcomparisonsacrossscoringmodelsremainmeaningful.
5.
UsetheConvertnullvaluestozerovaluescheckboxtoindicatehowCreditManagementshouldtreatdatapointswithnullvalues.
Tip:Carefullyconsideryourbusinessrequirementsbeforeleavingthisboxblank.
Ifyoudonotselectthisbox,thenascoringmodelwillnotcalculateascoreifadatapointcontainsanullvalue.
Inthiscase,theworkflowwillstopandthecreditreviewwillberoutedtotheCreditSchedulerforcreditanalystassignment.
6.
OntheSelectDataPointspage,selectthedatapointsthatyouwanttoincludeinthescoringmodel.
7.
Foreachdatapointthatisincludedinthisscoringmodel,assignarangeofvaluesandacorrespondingscoreforeachrange.
Therangesthatyouentershouldincludeallpossiblevalues.
Youcanenterupto15charactersforeachvalueintherange.
Note:Ifyouenteralphanumericvaluesforadatapoint,thenbothrangevaluesmustbethesame.
Thistableillustratesanexample:3-14OracleCreditManagementUserGuideRangeLowHighScoreRange1A2BA2B10Range2B3BB3B58.
Whenyouhavecompletedassigningrangesandscorestothedatapointsinthisscoringmodel,optionallyassignaweighttoeachdatapoint.
Theweightthatyouassignindicatestherelativeimportanceofthedatapointinthescoringmodel.
See:AssigningWeights(Optional),page3-11.
9.
Reviewthescoringmodel.
Tip:Ifyouhavenotassignedweights,thenthescoringmodelwillcalculatearawscore.
Notetheminimumandmaximumpotentialrawscoresonthispage,becauseyouwillneedtoknowthisrangeifyoudefineautomationrules.
See:AssigningAutomationRules,page3-17.
Youcanstillupdateascoringmodelafteryousaveit.
Afteryousubmitascoringmodel,however,youcannolongerupdateit.
FrequentlyAskedQuestionsWhatisthedifferencebetweenanulldatapointvalueandazerodatapointvalueAnulldatapointvalueindicatesnoactivity,whileazerodatapointvalueindicatesthatactivityhasoccurredinthepast,butthereisnovaluefortheparticulardatapoint.
Forexample,let'sconsidertheCountofInvoicesPaidLatedatapoint.
Inthiscase,anullvaluemightindicatethatnopaymentshavebeenmade,whileazerovalueindicatesthatallinvoiceswerepaidontime.
RelatedTopicsAssigningAutomationRules,page3-17OverviewofOracleCreditManagementSetup,page3-1ExternalScoringYoucanbypassOracleCreditManagement'sscoringfunctionalityandscoreacaseSettingUpYourCreditPolicies3-15folder'sdatapointsusingathirdpartyscoringengine.
Thisprocessinvolves:1.
ExportingcasefoldercontentsoutsideCreditManagement,andscoringthecontentsusingyourownscoringengine2.
Importingtheresultingcreditscore,andstoringitinthecasefolderWhatInitiatesExternalScoringTodeterminewhetheracasefolder'sdatashouldbeexternallyscored,CreditManagementreviewsthescoringmodelthatisassociatedwiththechecklistinthecasefolder.
ExternalscoringisinitiatedifthescoringmodelincludestheseededExternalScoredatapoint.
See:DefiningScoringModels,page3-9.
ExportProcessFlowIfthescoringmodelincludestheExternalScoredatapoint,thentheCreditManagementworkflowbypassestheassignedscoringmodelandinsteadautomaticallysubmitstheExtractXMLCaseFolderconcurrentprogram.
ThisprogramextractsthecasefolderdatapointsinanXMLfile,whichyoucanretrieveforprocessinginyourexternalsystembysubscribingtothebusinessevent,oracle.
apps.
ar.
cmgt.
CaseFolder.
extract.
Uponextractionofthecasefolderdatapoints,theCreditManagementworkflowlocksthecasefoldertopreventmanualupdatesandsetsthecasefolderstatustoInProcess.
Additionally,theworkflowsendsanotificationtothecreditanalystassignedtothecasefolder,ortotheCreditSchedulerifacreditanalysthasnotyetbeenassigned.
Thenotificationindicatesthatthecasefolderwassubmittedforexternalscoring.
ImportProcessFlowAfteryourexternalsystemcompletesthescoringprocess,youmustthenimportthefinalscorebackintoCreditManagementforstorageinthecasefolder.
Toimportthescore,usetheGetScoreAPI.
Note:ForAPIusageinformation,seetheCreditManagementAPIUserNotesappendixintheOracleCreditManagementUserGuide.
Uponimport,CreditManagementrecordsthescoreasthevaluefortheExternalScoredatapoint,andalsoincludesthescoreinanXMLfileattachedtothecasefolderforauditpurposes.
Tounlockthecasefolderandresumeworkflowprocessing,youmustensurethattheSubmitCaseFolderAPIrunsaftertheGetScoreAPI.
TheSubmitCaseFolderAPIunlocksthecasefolderandremovestheInProcessstatus.
3-16OracleCreditManagementUserGuideThecasefolderisnowreadyforcreditrecommendations:Ifautomationrulesareassociatedwiththescoringmodel,thencreditrecommendationsareautomaticallyassignedaccordingtotheautomationrulesandtheexternallyderivedcreditscore.
Thecasefolderisthensubmittedforapproval.
Ifnoautomationrulesexist,thenacreditanalystmustmanuallyassignacreditrecommendationandsubmitthecasefolderforapproval.
Onceapprovalsareprocessed,thecasefolderisclosed.
Note:Inadditiontoimportinganexternallyderivedcreditscore,youcanalsoimportcreditrecommendations,aswellasadditionaldatapoints.
See:ImportingCreditRecommendationsandOtherData,page3-16.
ImportingCreditRecommendationsandOtherDataWhenusinganexternalscoringengine,youarenotlimitedtoimportingonlythefinalcreditscore.
Youcanalsooptionallyimportadditionaldatapointsthatyouwanttocaptureinthecasefolder,aswellascreditrecommendations.
Important:Beforeyoucanimportcreditrecommendations,therecommendationsmustalreadybedefinedinCreditManagement.
See:DefiningLookups,page2-10.
Toimportadditionaldatapointsandcreditrecommendations,ensurethattheIncludeDataPointsAPIandGetRecommendationsAPIarerunaftertheGetScoreAPI.
Asalways,theSubmitCaseFolderAPImustrunattheendoftheprocesstounlockthecasefolderforprocessing.
Uponimport,CreditManagementrefreshesthecasefolderwiththeadditionaldatapointsandcreditrecommendations.
Note:Creditrecommendationsthatareimportedtakeprecedenceoveranyautomationrulesthatmightalreadyexistonthescoringmodel.
AdditionaldatapointsandcreditrecommendationsarestoredinthesameXMLfile(attachedtothecasefolder)wherethecreditscoreresides.
RelatedTopicsAppendixF:CreditManagementAPIUserNotesOverviewofOracleCreditManagementSetup,page3-1SettingUpYourCreditPolicies3-17AssigningAutomationRulesForanyscoringmodel,youcandefineasetofautomationrulestoguidetheimplementationofcreditrecommendationswithoutuserintervention.
Automationrulesletacreditreviewproceeduninterruptedthroughtheworkflow,duringwhichacreditrecommendationisautomaticallyimplementedbasedonthescorethatthescoringmodelcalculates.
Toaccomplishthisautomaticimplementationofcreditrecommendations,youassociatecreditscorerangeswithrecommendationswhendefiningautomationrules.
Forexample,ifthecreditscoreisbelow50,youmightwanttoautomaticallyrejectacreditrequest.
Suchautomationispreferablewhenthecreditrisk,asdefinedbyyourenterprise'screditpolicies,isminimalandthecreditscorecandrivethecreditdecision.
Thisletsyourcreditpersonnelfocustheireffortsonhigherriskcreditreviews.
Whenyoudefineautomationrules,youcanalsoindicateapprovaloptionsforeachdecision.
CreditManagementletsyoudecideifyouwanttoskiptherequiredapprovalonacreditdecision.
See:SettingUpCreditDecisionApprovalPolicies,page3-21.
Youcandefineasetofautomationrulesforanyofyourscoringmodels,providedthat:1.
Achecklistandscoringmodelaredefinedandassignedtoacreditreviewtypeandcreditclassificationcombination2.
AutomationrulesdonotyetexistforthecombinationTodefineautomationrules:PrerequisitesCreateascoringmodel.
See:DefiningScoringModels,page3-9.
1.
OntheAutomationRulespage,searchforasubmittedscoringmodeltoviewitsexistingautomationrules,orsearchforasavedscoringmodeltoviewandupdateautomationrules.
SelectascoringmodelandclicktheViewDetailstonavigatetotheAutomationRuleDetailspage.
TheAutomationRuleDetailspagedisplaysallcreditdecisionsthataredefinedfortheselectedscoringmodel.
Otherwise,todefinenewrules,clickCreateAutomationRule.
TheCreateAutomationRulespagedisplaysthescoringmodelsthatareeligibleforautomation.
2.
SelectascoringmodelandclicktheAddRulesicontodefineasetofautomation3-18OracleCreditManagementUserGuiderules.
3.
Entertheeffectivedatesforthisautomationrule.
TheStartDatedefaultstothecurrentdate,butyoucanchangeittoafuturedate.
IntheEndDatefield,optionallyentertheenddateforthissetofautomationrules.
Enteranenddateifyourcreditrequirementschangeandyouwanttodefineanewsetofautomationrulesthataremoreinlinewithyourrevisedcreditpolicies.
IftheEndDatefieldispopulated,thenthissetofautomationrulesisinactive.
Anycreditanalysisusingtheseruleswillrequireuserintervention.
4.
UsetheLowScoreandHighScorefieldstodefinethescorerangeforthisautomationrule.
Note:Creditscoresarecalculatedaswholevalues,soenteronlyintegers.
5.
SelecttheSkipApprovalcheckboxifyouwanttoautomaticallyimplementcreditrecommendationswithoutthedefinedapprovalhierarchy.
See:SettingUpCreditDecisionApprovalPolicies,page3-21.
6.
ClicktheAddRecommendationsicontoassignautomationrules(automaticcreditdecisions)tothisscorerange.
UsetheOverallCreditLimitorTransactionCreditLimitfieldstodefinethecreditlimitforthisscorerange.
Or,usetheChangeOverallCreditLimitbyPercentageorChangeOverallTransactionCreditLimitfieldstoindicateapercentageincreaselimit.
Youcanassignadditionalvaluesforarecommendation.
Forexample,forarecommendationofincreasecreditlimittoCAD$800,000,value1iscurrency=CADandvalue2is800,000.
DonotenteravalueinanyfieldifyoudonotwantCreditManagementtoautomaticallyimplementcreditincreases.
Fromthelistofvalues,selectacreditclassificationthatyouwanttoautomaticallyassigntotheapplicantiftheyreceiveacreditscoreinthisrange.
Selecttherecommendationorrecommendationsthatyouwanttoautomaticallyimplementforanapplicantwhoscoresinthisrange.
7.
Youcanaddanotherrowtoenteranotherscorerangeandassociatedautomationrules.
Ifthescoringmodelusesweightingfactorsforeachscorerange,thenthecreditscoreisalwaysacompleterangefrom0to100.
Ifnot,thenthescoringmodelwillSettingUpYourCreditPolicies3-19producearawscorethatcanbeoutsidethe0to100range.
Warning:Whendefiningautomationrules,besuretoenterrangesfortheentirepotentialrangeofcreditscores.
Later,duringacreditreview,ifascorefallsoutsidetheautomationrulescoreranges,thentheworkflowwillfailandthecreditreviewwillbeassignedtoananalystforamanuallyselectedrecommendation.
Alternatively,youmightwanttheworkflowtofailforaparticularscorerange.
Forexample,ifacreditscoreisbelow20,thenyoumightwanttoassignacreditanalysttothiscreditreviewformanualprocessing.
Inthatcase,youcanskipofrangeofscoreswhendefiningautomationrules.
8.
ClickSubmittofreezethissetofautomationrulesfortheselectedscoringmodel.
Afteryousubmit,youcannolongerupdatetheseautomationrules.
RelatedTopicsDefiningScoringModels,page3-9OverviewofOracleCreditManagementSetup,page3-1OracleApprovalsManagementImplementationGuideSettingUpCreditRecommendationsCreditrecommendationsaremadeattheendofacreditreviewinoneofeithertwoways:Acreditanalystentersoneormorerecommendationsinthecasefolder,ontheRecommendationspage.
See:MakingaRecommendation,page4-21.
Theautomationrulesassociatedwiththecasefolder'sassignedscoringmodelusethecalculatedcreditscoretoselectoneormorerecommendations.
See:AssigningAutomationRules,page3-17.
OracleCreditManagementprovidesyouwithaseededinventoryofcreditrecommendations,butyoucandefineyourown.
CreditManagementdistinguishesbetweentradecreditandtermcredit.
Seededtradecreditrecommendationsinclude:ChangePeriodicReviewCycle3-20OracleCreditManagementUserGuideAssignCreditClassificationAssignOverallCreditLimitPlaceCustomeronCreditHoldNoChangeChangeOverallCreditLimitbyPercentageChangeTransactionCreditLimitbyPercentageRemoveCustomerfromCreditHoldRemoveOrderfromHoldSendCreditReferenceAssignTransactionCreditLimitSeededtermcreditrecommendationsinclude:ApproveAuthorizeAppealExtendIncreaseRejectTerminateDefiningNewRecommendationsYoudefinerecommendationsusinguser-extensiblelookupcodes.
Defineyourrecommendationsforbothtradeandtermcreditusingtheselookupcodes:AR_CMGT_RECOMMENDATIONS(creditrecommendationsfortradecredit)AR_CMGT_TERM_RECOMMENDATIONS(creditrecommendationsfortermcredit)See:DefiningLookups,page2-10.
Note:User-definedrecommendationsareavailableforbusinesseventsubscription.
SettingUpYourCreditPolicies3-21IfyouareusingOracleLeaseManagementorOracleLoansandwanttodefineapplication-specificrecommendations,see:DefiningRecommendationsforIntegratedApplications,page5-1.
AddingConditionstoRecommendationsYoucanaddaconditionasanattributeofauser-definedrecommendation.
Aconditionwilllaunchanewpagewheretheusercandocumentalargesetofdatapoints.
Toaddaconditiontoarecommendation,youmustbuildacustompagefirstwhereconditionfulfillmentdetailscanberecorded.
Youthenaddthenewpage'sOAfunctiontotherecommendation'slookuptype,intheTagfield.
Tip:UsetheabilitytoaddanOAfunctiontorecommendationstofurtherextendtheimplementationofcreditpoliciesthatrequiremorecomplexinformationthanasetofsingledatapoints.
See:ApprovingaCreditReviewwithConditions,page5-6.
FrequentlyAskedQuestionsHowmanyvaluescanIassociatewitharecommendationWhenyoudefineautomationrulesforascoringmodel,youassignoneormorerecommendationstoacreditscorerange.
See:AssigningAutomationRules,page3-17.
Recommendationscanhaveuptotwoassociatedvalues.
Forexample,forarecommendationofincreasecreditlimittoCAD$800,000,value1iscurrency=CADandvalue2is800,000.
RelatedTopicsOverviewofOracleCreditManagementSetup,page3-1SettingUpCreditDecisionApprovalPoliciesInOracleCreditManagement,creditrecommendationsaremadeintwoways:Automatic:OracleWorkflowcancreateacreditapplicationandcasefolder,calculateascoreusingtheassignedscoringmodel,andusethescoringmodel'sautomationrulestoarriveatafinalcreditrecommendation,allwithoutuserintervention.
Manual:Acreditanalystcanmakeacreditrecommendationattheconclusionofamanualcreditanalysis.
3-22OracleCreditManagementUserGuideButhowarethosecreditrecommendationsactuallyapprovedandimplementedDuringsetup,youdecidewhichrecommendationsrequireapproval.
Forexample,certainriskycreditrecommendationsmightrequireapprovalbyadefinedlistofapprovers.
Ontheotherhand,youmightwantlessriskycreditrecommendationstobeimmediatelyimplementedwithoutapproval.
Thisdecisionaboutwhethertoapprovecreditrecommendationsisanotherdimensionofcreditpolicymanagement:Forcreditrecommendationsthatdonotrequireapproval,youimplementthistypeofpolicyusingtheSkipApprovalcheckboxduringscoringmodeldefinition.
See:BypassingtheApprovalHierarchy,page3-22.
Forcreditrecommendationsthatrequireapproval,CreditManagementworkswithOracleApprovalsManagement(AME)tomanagethelistofrequiredapprovers.
CreditReviewApprovalProcessUsingOracleApprovalsManagementWhenacreditreviewissubmittedforapproval,CreditManagementpassesthecreditanalystIDtoApprovalsManagement.
Note:Ifnocreditanalystisassignedtoacreditreview,thenthecreditreviewmustberoutedtotheCreditSchedulerfirst,beforeCreditManagementcaninitiatetheapprovalprocesswithApprovalsManagement.
ApprovalsManagementusestheHRhierarchytodeterminetheappropriateapproverforthatparticularcreditreview,andreturnstheapproverIDtoCreditManagement.
CreditManagementusesWorkflowtosendanotificationtotheidentifiedapprover.
Uponapproval,CreditManagementpassestheapprover'sIDbacktoApprovalsManagement.
Ifanadditionalapproverisrequired,thenApprovalsManagementreturnsthenextapprover'sID.
ThecyclerepeatsuntilApprovalsManagementreturnsanullvalue;thistellsCreditManagementthattheapprovalsequencehasconcluded.
Atthispoint,CreditManagementimplementstherecommendation,assignsastatusofApprovedtotherecommendation,andclosesthecasefolderwithastatusofClosed.
See:OracleApprovalsManagementImplementationGuide.
BypassingtheApprovalHierarchyDependingontheassociatedrisk,acreditrecommendationtypicallyrequiresapprovalfromoneormorepersonsinyourenterprise.
Asdescribedabove,ApprovalsManagementderivesthelistofapproversbasedonapprovalrulessetupinthatapplication.
SettingUpYourCreditPolicies3-23Iftheassociatedriskisminimal,however,thenyoumightdecideanapprovalflowviaApprovalsManagementisunnecessary.
Toaccomplishthis,selecttheSkipApprovalcheckboxontheCreateAutomationRuleDetailspageforeachrecommendationthatdoesnotrequireapproval.
IfarecommendationhasSkipApprovalenabledandtherecommendationisselectedaccordingtothecalculatedcreditscore,thenCreditManagementautomaticallyimplementstherecommendationwithoutcallingApprovalsManagementforalistofapprovers.
ThisSkipApprovaloptionletsyouautomaticallyimplementcreditrecommendationswithoutthedefinedapprovalhierarchyinallbuttheriskiestofcases.
Tip:Typically,allscoringmodelswillhaveautomationrules.
Forasetofautomationrules,youmightenabletheSkipApprovaloptionon:thelowestcreditscorerange,toautomaticallyimplementtherejectionrecommendationduetohighriskthehighestcreditscorerange,toautomaticallyimplementtheapprovalrecommendationduetolowriskYoumightrequireapproval,however,forthemid-rangecreditscore.
ExampleofAutomatedCreditDecisioningImplementationConsiderCompanyABC:CreditclassificationisMediumRiskExistingcreditlimitis$100,000Pendingordersandoutstandinginvoicesequal$95,000AlsoconsiderthefollowingcreditpolicythatyourenterprisedefinesforCompanyABC,shouldABCsurpassitsexistingcreditlimit:Duringacreditreview,ifthecustomerscores71orhigher,thenthecreditlimitisautomaticallyincreasedto$200,000.
Implementation:Forthiscreditscorerange,theSkipApprovalcheckboxisselected.
Ifthecustomerscores50orhigher,butbelow71,thenthecreditlimitisincreasedto$150,000,butapprovalbythesalesdepartmentisrequired.
Implementation:Forthiscreditscorerange,theSkipApprovalcheckboxisnotselected.
3-24OracleCreditManagementUserGuideIfthecustomerscoreslessthan50,thentheworkflowfailsandthecreditreviewisautomaticallypassedtoacreditanalystformanualprocessing.
Implementation:Thiscreditscorerangedoesnotexistonthescoringmodel'sautomationrules.
WhatactuallyhappensWhenABCplacesanorderintheamountof$10,000,theorderisautomaticallyplacedonholdandarequestforacreditreviewisautomaticallygenerated.
Thescoringmodelcalculatesacreditscoreusingtheincludeddatapoints,withahighercreditscoreindicatinglessofacreditrisk.
Belowareexamplesofoutcomesbasedonthecalculatedcreditscore:Acreditscoreiscalculatedbetween71and100:Arecommendationtochangethecreditlimitto$200,000isaddedtothecasefolder,andisassignedastatusofApproved.
CreditManagementinitiatestheprocesstochangethecreditlimit.
ThecasefolderisassignedastatusofClosed.
Acreditscoreiscalculatedbetween51and70:Arecommendationtochangethecreditlimitto$150,000isaddedtothecasefolder.
CreditManagementworkswithApprovalsManagementtonotifytheappropriatepeopleinthesalesdepartmentforapproval.
Onceapprovalhasbeengranted,therecommendationisassignedastatusofApproved,CreditManagementinitiatestheprocesstochangethecreditlimit,andthecasefolderisassignedastatusofClosed.
Acreditscoreiscalculatedbetween0and50:Theautomaticprocessstopsandanotificationissenttotheassignedcreditanalystorcreditmanagerforfurtheraction.
MoreComplexCreditApprovalsPolicyManagementApprovalsManagementissetupwithCreditManagementtousetheHRhierarchytodeterminetheapprovalchain.
However,youcanleverageApprovalsManagementtoaccomplishother,morecomplexapprovallistfunctions.
Forexample,youcansetupalistofapproversbasedon:CreditrequestamountSettingUpYourCreditPolicies3-25Jobroleorlevel,asdefinedinOracleHRMSYoualsohavetheflexibilitytodefinealistofeitherparallelorsequentialapprovers.
Forexample,forordersplacedonhold,perhapsyourenterprisedefinedthefollowingcreditpolicy:Fororders$500orless,theapprovallistshouldbeJane,acreditanalyst,andBob,hercreditmanager.
Forordersover$500,theapprovallistshouldbeBob,thecreditmanager,andMary,thevice-presidentofFinance.
YoucandefinetheaboveapprovallistsinApprovalsManagement.
InCreditManagement,youmightalsodefinethefollowingexceptiontotheaboveApprovalsManagementrules:IfthecustomercreditclassificationisLowRisk,thecreditreviewtypeisaperiodiccreditreview,thecreditscoreisabove80,andtheorderonholdislessthan$500,thennoapprovalisrequiredtoimplementacreditrecommendation.
Inotherwords,theSkipApprovalcheckboxwouldbeenabledforthisparticularcombination.
RelatedTopicsOverviewofOracleCreditManagementSetup,page3-1ReviewingCreditManagementPerformanceCreditManagementprovidesyouwithcomparisontoolsthathelpyoutodetermineifyourcreditpolicieshaveadequatelyassessedthecreditworthinessofyourcustomers.
OnthePerformancetab,youcanaccesssimpleviewsintotheworkloadandeffectivenessofthechecklistsandscoringmodelsthatyouhavesetupandusedincreditreviews.
CreditWorkloadQuickCheckTheCreditWorkloadQuickCheckdisplaysasummaryof:NumberofCreditReviewsinProcessNumberofAutomaticReviewsProcessedNumberofCustomersonCreditHoldTheQuickCheckprovidesyouwithaviewintotheamountofworkthatisoutstanding.
Ahighnumberofin-processreviewscanindicatethatadelayexistsin3-26OracleCreditManagementUserGuidemeetingcreditreviewcompletiongoals.
TopTenCustomerCreditExposureTheTopTenCustomerCreditExposurereportprovidesyouwithanoverviewofthetoptencustomerswiththegreatestreceivablesbalance.
BydrillingdownintotheAgingdetails,youcanseewhetherthereiscauseforconcern.
CustomerTrendsUsethiscomparisontoviewpertinenttrenddatafromonecreditreviewtothenextforanaccount.
Comparisondatafromeachcasefolderincludesthereceivablesbalance,weightedaveragedayspaid,anddayssalesoutstanding.
Thisisparticularlyusefulforaccountswhohavealong-termrelationshipwithyouandareassignedaperiodicreviewcycle.
Toperformthiscomparison,theaccountmusthavemorethanonecasefolderforacreditreviewtype,andthecasefoldersmusthaveastatusofClosed.
Thecreditreviewsmustalsousethesamecreditcurrency.
PolicyUsagebyMonthUsethiscomparisontodeterminewhetheryourcreditpolicieshaveadequatelyassessedthecreditworthinessofyourcustomers.
Thispagedisplaysthecheckliststhatwereusedincompletedcreditreviewsduringthepastyear,brokendownbymonth.
Inaddition,thispagecomparesthechecklistandcreditscoreobjectiveswithrelatedrecommendations,andidentifieswherethecreditlimitrecommendationswereaboveandbelowacceptablethresholds.
Anaverageriskfactorforeachchecklistisdisplayed,andisaratioofthecreditlimitsimplementedvs.
thecalculatedcreditexposureforthecustomer.
Theriskfactorrangesfrompositivetonegative:ApositivenumberindicatesthatthecreditlimitsmightbesettooconservativelyAnegativenumberindicatesanaggressivecreditpolicyTheabsenceofariskfactorindicatesthatariskfactorcouldnotbecalculatedduetomissingdata.
ScoringModelUsagebyMonthUsethiscomparisontodeterminewhetheryourscoringmodelrangesarecorrectlyscoredtoensureaccuraterecommendations.
SettingUpYourCreditPolicies3-27Theriskfactorsforeachscoringmodel,calculatedsimilarlytothechecklistriskfactors,provideintelligenceaboutyourenterprise'screditreviewsthatincludedascoringmodelwithcreditlimitrecommendations.
CustomerCreditReferenceUsethisoutboundcreditreferencepagetorespondtotraderequestsfromothercompanies.
Searchforacustomer,thencreateaprintablecreditreferencethatcontainspaymenthistoryandhighcredit.
RelatedTopicsOverviewofOracleCreditManagementSetup,page3-1ProcessingCreditReviews,page4-1UsingCreditManagement4-14UsingCreditManagementThischapterdescribeshowtouseOracleCreditManagement.
Thischaptercoversthefollowingtopics:ProcessingCreditReviewsInitiatingaCreditReviewCollectingCreditDataUsingCreditApplicationstoCollectCreditDataUsingCaseFolderstoCollectCreditDataAnalyzingCreditDataMakingaRecommendationPeriodicCreditReviewProgramProcessingCreditReviewsUseCreditManagementtoprocesscreditreviewsforbothyourcustomersandprospects.
Dependingonyoursetup,sometypesofcreditreviewsmightrequiretheassistanceofacreditanalyst,whileothertypesmightnotrequireanyuserinterventionatall.
See:OverviewofOracleCreditManagementSetup,page3-1.
Youcandividethecreditreviewprocessintofourstages:Initiatingacreditreview,page4-2Collectingcreditdata,page4-3Analyzingcreditdata,page4-16Makingandimplementingtherecommendation,page4-234-2OracleCreditManagementUserGuideDuringthecreditreview,theCreditManagementApplicationworkflow,pageB-1managestheprocessflowofcreditdatacollectionandanalysis,aswellastheimplementationofcreditdecisions.
Inaddition,CreditManagementprovidesvarioustoolsthatyoucanusetodetermineifyourcreditpoliciesareeffective.
See:ReviewingCreditManagementPerformance,page3-25.
InitiatingaCreditReviewAllcreditreviewsbeginwitheitheramanualorautomaticrequest:Creditorotherpersonnelcanmanuallyinitiateacreditreviewforacustomerorprospectbysubmittinganonlinecreditapplication,orbycreatingacasefolderwithoutacreditapplication.
Acasefolderisanelectronicrepresentationofahardcopycreditfile.
See:CollectingCreditData,page4-3.
CertainbusinesseventscanautomaticallyinitiateacreditreviewbycallingtheCreateCreditRequestAPI.
Thistypeofrequestcreatesacreditapplicationandcasefolderwithoutuserintervention.
Forexample,ifasalesorderisputoncredithold,thenthecreditholdprocessinOracleOrderManagementpassesthisinformationtotheCreateCreditRequestAPI,whichautomaticallyinitiatesacreditreview.
Otherevents,suchasaquarterlyrevieworaleaseapplicationsubmission,canalsotriggeracreditreview.
Ifachangetothesalesorderamountoccursduringcreditreviewprocessingandthecasefolderisstillopen,thenOracleCreditManagementupdatestheexistingcasefolderwiththeneworderamountandinitiatesthecasefolderdatarefresh,ratherthancreatingaduplicatecreditrequest.
Ifthecasefolderisclosed,thenanewcreditrequestiscreated.
Note:YoucanalsousetheCreateCreditRequestAPItoinitiateacreditreviewfromanon-Oraclesystem.
AssigningaCreditAnalysttoaCreditReviewYoucanconfigureCreditManagementtocompletethereviewprocesswithoutassistancefromcreditpersonnel.
Insuchcases,acreditanalystisnotassignedunlessafailedvalidationsteppreventstheautomatedprocessfromsuccessfullycompleting.
Forcreditreviewswhoseworkflowprocessingfails,CreditManagementusestheRulesEnginetodeterminetheappropriatecreditanalystforassignment.
See:CreditAnalystAssignmentRules,page6-1.
UsingCreditManagement4-3Ifananalystcannotbedetermined,thenanotificationissenttotheCreditSchedulertoassignacreditanalysttocompletethecreditreview.
See:CreditManagementApplicationWorkflow,pageB-1.
RelatedTopicsProcessingCreditReviews,page4-1CollectingCreditDataDuringacreditreview,youcollectcreditdataforyourcustomersandprospects.
Thetypeofcreditdatathatyoucollectforeverycreditreviewisdeterminedbythecreditchecklist.
Thecreditchecklistindicateswhichdatapointsarerequiredfordifferenttypesofcreditanalysesanddecisions,andcanoptionallyindicatewhichscoringmodelwillbeusedforthereview.
Inthisway,thechecklistenforcesyourenterprise'screditpolicies.
See:DefiningChecklists,page3-5.
CreditManagementusescreditchecklistsintwoplaces:CreditapplicationCasefolderIfthechecklistidentifiesrequireddatapointsthatalreadyexistwithinOracleApplicationsorarecalculable,suchasavailablecredit,aging,andsoon,thenCreditManagementautomaticallyinsertsthatinformationdirectlyintothecreditapplicationandcasefolder.
Ifthechecklistrequiresdatapointsthatmustbemanuallysupplied,suchasbankandtradereferences,thenacreditanalystmustentertherequireddataintothecreditapplicationorcasefolder.
CreditChecklistsforCreditApplicationsWhenyoucreateacreditapplication,youfirstspecifythecreditreviewtype,aswellasthecustomerorprospect'screditclassificationifitisnotdefaultedfromthecustomer'sprofileclass.
CreditManagementidentifiesthecreditchecklistthatcorrespondstothiscombination,andusesthechecklisttobuildtherestoftheapplication.
Thismeansthatthedatapointsonacreditapplicationvaryaccordingtoitsassociatedcreditchecklist.
See:UsingCreditApplicationstoCollectCreditData,page4-4.
Forexample,anewcustomerwantstoestablishcreditwithyourcompany.
Basedonthecreditchecklistthatyoudefinedforthecombinationofcreditreviewtype(NewCredit)andcreditclassification(New),thecreditapplicationwillmostlikelyemphasizeexternaldataandtradereferences,becausehistoricalreceivablesdatawillnotexistforthisnewcustomer.
4-4OracleCreditManagementUserGuideWhenyousubmitacreditapplication,CreditManagementcomparestheapplicationwiththeassociatedchecklisttoconfirmthatyouarenotmissinganyrequireddatapoints.
See:SubmittingaCreditApplication,page4-11.
CreditChecklistsforCaseFoldersWhenevercreditorotherpersonnelsubmitacreditapplication,CreditManagementalwayscreatesacasefolder.
CreditManagementalsocreatesacasefolderwhenevertheCreateCreditRequestAPIinitiatesacreditreview.
Youusethecasefolderasarepositoryforthecreditdatathatyoucollect.
See:UsingCaseFolderstoCollectCreditData,page4-12.
Additionally,thecasefolderisanimportanttoolthatyouuseduringthecreditanalysisanddecisioningstagesofacreditreview.
See:AnalyzingCreditData,page4-16.
CreditManagementassociatesacreditchecklistwithacasefolderinoneoftwoways:1.
WhenCreditManagementcreatesacasefolderuponthesubmissionofacreditapplication,thecasefolderinheritsthecreditapplication'screditchecklist.
2.
Whenabusinessevent,suchasaperiodicrevieworacreditholdonanorder,initiatesacreditreview,CreditManagementcreatesacasefolderwithoutacreditapplication.
Toassociatetheappropriatecreditchecklistwiththecasefolder,CreditManagementderivesthecreditreviewtypefromthebusinesseventitself,andthecreditclassificationfromthecustomerprofileortheDefaultCreditClassificationsystemoption.
ThechecklistthatCreditManagementassociateswiththecasefolderensuresthat,forthiscombinationofcreditreviewtypeandcreditclassification,allpertinentinformationisavailableforthecreditanalysis.
RelatedTopicsProcessingCreditReviews,page4-1UsingCreditApplicationstoCollectCreditDataThecreditapplicationisoneoftheprimarytoolsthatyouuseinCreditManagementtocollectcreditdataaboutyourcustomerorprospect.
Aftercreditandotherpersonnelcompleteandsubmitthecreditapplication,CreditManagementbeginsthecreditreview.
Note:Youcanalsousethecasefoldertocollectinformation.
See:UsingCaseFolderstoCollectCreditData,page4-12.
UsetheApplicationtabtocreateorsearchforoneofthreetypesofcreditapplications:UsingCreditManagement4-5NewapplicationSavedapplicationIn-processapplicationForallthreeapplicationtypes,youmustfirstexecuteasearchinordertoproceed.
CreditManagementprovidesyouwithrobustsearchcapabilitiesthatminimizeboththepossibilityofcreatingduplicatesinyoursystem,aswellastheamountofmanualdataentrythatisrequiredforanewapplication.
SearchcriteriaisbasedupontheDataQualityManagement(DQM)setup.
See:SettingUpDataQualityManagementSearch,page2-3.
Note:CreditrequestswiththeAppeal,RejectionAppeal,Re-Submission,orWithdrawalreasoncanonlycomefromanotherE-BusinessSuiteapplication,asindicatedbythecreditrequestsource.
Youcannot,forexample,withdrawcreditrequestsinCreditManagement.
See:E-BusinessSuiteIntegrationOverview,page5-1.
RelatedTopicsProcessingCreditReviews,page4-1CollectingCreditData,page4-3CreatingaNewCreditApplication,page4-5SearchingforSavedApplications,page4-7SearchingforIn-ProcessApplications,page4-7EnteringDataintoaCreditApplication,page4-8SubmittingaCreditApplication,page4-11CreatingaNewCreditApplicationTocreateanewcreditapplication,youmustfirstenteryoursearchcriteriaandthenselectthecreditapplicant.
Thisprocedurecapitalizesonthedatathatyoualreadymaintainbyautomaticallypopulatingthecreditapplicationwithbasicinformationabouttheapplicant.
Whenyouopenanewapplication,CreditManagementautomaticallyprefillstheapplicationwithcertainbasicinformationfromtheaccountrecordthatyouselected,suchasaccountname,accountnumber,address,requestorname,andsoon.
Onlythoseparties(bothcustomersandprospects)whoaredefinedwiththecustomertypeofOrganizationareincludedinthesearchresults.
Ifyouselectacustomeratthetoporganizationlevel,thendataforallaccountsthatare4-6OracleCreditManagementUserGuiderelatedtotheorganizationwillbeconsolidatedforthecreditanalysis.
Or,ifyouselectaspecificcustomeraccountfromthesearchresults,thenthedataforallsitesthatareassociatedwiththeaccountwillbeconsolidated.
Therequiredfieldsontheapplicationvaryaccordingtothecombinationoftheapplicant'screditclassificationandcreditreviewtype.
See:CollectingCreditData,page4-3.
Formoreinformationaboutthegeneralcontentsofacreditapplication,see:EnteringDataintoaCreditApplication,page4-8.
WindowReferenceClicktheViewAccountsicontoviewacustomer'saccounts.
YoucanviewanaccountonlyiftheaddressisAllLocationsoriftheaddresstypeincludesabill-tobusinesspurpose.
ClicktheCreateCreditApplicationicontocreateanewcreditapplicationforthisprospect,customer,account,orsite,dependingonwhichsearchresultsareinview.
CreditManagementopensanewapplicationandautomaticallyupdatestheapplicationwiththerelevantapplicantdata.
ClicktheViewExistingApplicationsicontoviewtheopencreditapplicationsthatexistforthisprospect,customer,account,orsite.
IfyourcustomersearchreturnednoresultsoryouwishtopurchaseDun&Bradstreetinformationforanexistingcustomer,thenyoucanclickSearchD&BtopurchaseaDun&BradstreetGlobalDataProductreportforthisprospectorcustomer.
Ifanewpartyiscreated,thenyouwillreceiveamessageindicatingthenewregistryIDfortheprospect.
WhenyoureturntotheNewApplicationSearchpage,typethenewregistryIDintotheSearchfield.
SimplyclickGoandthenewlycreatedcustomerappearsinthesearchresults.
Youcannowcreateacreditapplicationforthiscustomer.
Note:WiththeDun&BradstreetforOracleApplicationsfeature,youcanimportD&Binformationandmaintainthatinformationdirectlyintheapplicationdatabase,withoutinstallingadditionalsoftwareorperformingadditionaldataimports.
ThisfunctionalityenableseasyaccesstoalreadypurchasedD&Bcreditdataduringcreditreviews.
RelatedTopicsUsingCreditApplicationstoCollectCreditData,page4-4ProcessingCreditReviews,page4-1ThirdPartyDataIntegrationOverview,OracleTradingCommunityArchitectureUserGuideUsingCreditManagement4-7SearchingforSavedApplicationsYoucanusetheApplicationtabtosearchforawork-in-processcreditapplicationwithanapplicationstatusofSaved.
Anyapplicationsthatyoucreateautomaticallyassignyouastherequestor.
Whenyoufirstbeginasearchforasavedapplication,CreditManagementautomaticallydisplaysallapplicationswhereyouaretherequestor.
YoucandisplayallsavedapplicationsbyclickingGo,oryoucandisplayasubsetofsavedapplicationsbyusingtheAdvancedSearch.
Youcanupdateonlythoseapplications,however,thatyouinitiallycreated.
Tocontinueworkingonasavedcreditapplication,clicktheUpdateiconforthedesiredapplication.
WindowReferenceClicktheUpdateiconinanyrowtomakechangestotherelatedcreditapplication.
ClicktheDeleteiconinanyrowtodeletetherelatedcreditapplication.
RelatedTopicsUsingCreditApplicationstoCollectCreditData,page4-4ProcessingCreditReviews,page4-1SearchingforIn-ProcessApplicationsYoucanusetheApplicationtabtoviewcreditapplicationsthathaveanapplicationstatusofSubmitted,InProcess,orProcessed.
Thesestatusesaredefinedasfollows:Submittedindicatesthatthecreditapplicationcannotbeupdatedbytherequestor.
Onlytheassignedcreditanalystcanmodifythisapplication.
Iftheapplicationhasnoassignedcreditanalyst,thentheCreditAnalystfieldwillbeblank,whichmeansthattheCreditSchedulerhasbeennotifiedforacreditanalystassignment.
InProcessindicatesthatCreditManagementiscurrentlyreviewingthecreditapplicationandperformingthecreditanalysis.
Modificationstothecreditapplicationarenotpermittedatthisstage.
Processedindicatesthatthecreditapplicationwassubmittedandthecreditanalysishasbeenperformed.
Recommendationsweremadeinthecasefolderandhavebeenapproved.
Modificationsarenotpermittedatthisstage.
Ifyouareacreditanalyst,thenallapplicationsassignedtoyouareautomatically4-8OracleCreditManagementUserGuidedisplayedinthesearchresults.
YoucansearchforallcreditapplicationswithanyoftheabovestatusessimplybyclickingGo.
YoucanfurtherrefineyoursearchbysearchingforaspecificcreditanalystorbyusingtheAdvancedSearchoptions.
WindowReferenceAfteryouexecuteasearch,optionallyclickthecolumnheadingsforApplicationNumber,RegistryID,Name,andStatustosortthesearchresultsbytheselectedcolumn'sdata.
ClicktheUpdateiconinanyrowtomakechangestotherelatedcreditapplication.
Onlycreditanalystsassignedtotheapplicationarepermittedtomakechanges.
RelatedTopicsUsingCreditApplicationstoCollectCreditData,page4-4ProcessingCreditReviews,page4-1EnteringDataintoaCreditApplicationTocreateanewcreditapplication,executeasearchforthecreditapplicantontheApplicationtab.
See:CreatingaNewCreditApplication,page4-5.
Youcancreateacreditapplicationforaparty(customerorprospect)orforacustomeraccountorsite.
TherowatwhichyouclicktheCreateCreditApplicationicondetermineswhetherthecreditreviewwillbeconductedfortheparty,account,orsite.
NotethatCreditManagementprefillstheapplicationwithsomebasicdetailsabouttheselectedcreditapplicant.
Addressinformationisautomaticallypopulatedwhenyousaveorsubmitthecreditapplication.
Note:Iftheapplicantisaparty,thenCreditManagementdoesnotpopulatetheaccountnameandnumberontheapplicantpage,andtheprefilledaddressreferstothepartysite,nottotheaddresslocation.
Thecreditapplication'scontentsvaryaccordingtothecreditclassificationoftheapplicantandthetypeofcreditreviewthatyouareconducting.
Youspecifythesevaluesonthefirstpageofthecreditapplication.
Iftheapplicanthasapredefinedcreditclassificationassignedfromthecustomerprofileclassorfromapreviouscreditreview,thenthecreditclassificationisprefilledontheapplication.
Usetheleft-handmenutoaddinformation,suchasbankreferencesandfinancialdata,totheapplication.
Tip:Ifanewlydefinedcreditclassificationorreviewtypeisnotavailable,makesurethatyouradministratorhasbouncedtheapacheserverafteraddingthosevalues.
See:DefiningLookups,page2-10.
UsingCreditManagement4-9Thestructureofthecreditapplicationismodular,soyoucanrecordcreditdataatdifferentpointsintime.
SimplyclickSaveforLatertosaveeachcreditapplicationpageasyouprogressthroughthecreditdatacollectionprocess.
Toretrieveyoursavedcreditapplications,see:SearchingforSavedApplications,page4-7.
Youcanoptionallyattachadocument,URL,ortexttosectionsofthecreditapplication,includingbankreferencesandtradereferences.
Youcanaccesstheseattachmentsfromthecasefolderduringcreditanalysis.
See:AnalyzingCreditData,page4-16.
Whenyouhaveenteredallrequiredandoptionaldata,clickSubmittosubmitthecreditapplication.
Whenyousubmitacreditapplication,CreditManagementreviewsthecreditapplicationforpossiblecreditanalystassignment,andcreatesacasefolderfortheapplication.
See:SubmittingaCreditApplication,page4-11.
Tip:YoumustenterrequireddataintheCreateCreditApplication:Applicantpage,butyoucansubmitthecreditapplicationwithoutdataintherequiredfieldsofotherpagessuchasCreateCreditApplication:FinancialData.
SelectedFieldReference-ApplicantPageIntheGeneralInformationregion,enterthecurrencyrequested.
Or,optionallysettheAR:DefaultCreditManagementCurrencyprofileoptiontoautomaticallyassignadefaultcurrencyforeachnewcreditapplication.
Youcanoptionallyentertheamountrequestedonthecreditapplication.
CreditManagementreferstothevaluesthatyouenterherewhenestablishingtheinitialcreditlimitsfortheprospectorwhenchangingthecreditlimitsforanexistingcustomer.
IntheApplicantInformationregion,thecontactinformationisoptional.
Youcanselectacontactfromtheexistinglistsofcontactsforthecustomers.
AnymodificationstothefollowingfieldswillupdatetheTCARegistry:ContactNameContactTelephoneContactFaxContactE-mailIntheBusinessBackgroundregion:TheDUNSNumberfield,whileoptional,isimportantbecauseCreditManagementcanusethisnumbertorequestcreditdatafromDun&Bradstreet.
TheDUNSnumbercomesfromTCA,andisnotanupdatablefieldonthecreditapplication.
4-10OracleCreditManagementUserGuideSelectedFieldReference-FinancialDataPageUsetheFinancialDatapagetoenterpertinentdatafromtheapplicant'sincomestatementandbalancesheet.
Althoughyoucanattachfinancialstatementstothecasefolderduringcreditanalysis,enteringvaluesdirectlyintoCreditManagementprovidesyouwithdatathatyoucanuseforfuturecomparisons.
Youcanalsoselectpreviouslyenteredfinancialdatafromclosedcasefolders,andcopythatdatatothecurrentcreditapplicationorcasefolder.
Then,youcanruncomparisonstoassesspositiveoradversetrends.
Thisishelpfulbecausecreditreviewsaremoreeffectiveifyouhaveacomprehensiveviewoffinancialdata,spanningmultipleyearsorperiods.
OntheFinancialDatapageofthecreditapplication(orcasefolder),youcan:Copyfinancialstatementdatafromclosedcasefolders.
Youcancopyfinancialdatafromtheorganizationorpartylevel,fromtheaccountlevel,orfromtheaccountsitelevel.
Typically,however,financialdataisstoredatthepartylevel.
Selectandcomparefinancialstatementsthataresavedwiththecurrentcreditreview.
Thisletsyouviewaside-by-sidecomparisonofbalancesheetsandincomestatements.
Note:Selectatleasttwoobjectstocompare.
Thecapabilitytoanalyzethetrendsofyourcreditapplicants'financialresultsprovidesapowerfulanalysistool,whichyourcreditdepartmentcanleveragetoincreasethequalityoftheircreditdecisions,anddiminishtheriskofpoorcreditrecommendations.
SelectedFieldReference-FundingSourcePageOptionallyusetheFundingSourcepagetoenterinformationabouttheapplicant'sadditionalfundingsources.
Forexample,iftheapplicantisreceivingventurecapitalfunding,youmightwanttoknowcertaindataitems,suchasfundingamount,capitalstage,andburnrate.
TheFundingSourcepageincludesinformationabout:VentureFundingDataCollateralDataGuarantorsAssessingthecreditworthinessofcustomerscanincludestructuresbywhichthedebtobligationisreducedthroughparticipationofguarantors.
However,guarantorsalsocarrycreditrisk.
Onthispage,youcanaddanewguarantor,orselectanexistingguarantor,byleveragingCreditManagement'sintegrationwithOracleTradingCommunityArchitecture.
UsingCreditManagement4-11Whenyouaddaguarantortoacreditapplication,CreditManagementautomaticallycreatesacasefolderfortheguarantor.
Thismeansthatyoucanassessthecreditworthinessoftheguarantor,inadditiontotheapplicant.
SelectedFieldReference-BankReferencesPageOptionallyusetheBankReferencespagetocaptureinitialbankaccountinformationfromtheapplicant.
Thecreditanalystassignedtothiscreditreviewtypicallyverifiesorsupplementsbankaccountinformationduringtheanalysisstageofthecreditreviewprocess.
OntheCreateBankReferencepage,youcanattachafile,URL,ortextmessagethatisassociatedwiththebank.
Thisisoftenusedtodocumentauthorizationsfromthecustomerallowingfortheuseofbankinformation,aswellasthecustomer'sbankstatements.
SelectedFieldReference-TradeReferencesPageUsetheTradeReferencespagetogatherandstoremultipletradereferencesfortheapplicant.
Tradeassessmentsfromothercreditorscanprovideyouwithusefulinsightintotheapplicant'screditworthiness.
RelatedTopicsUsingCreditApplicationstoCollectCreditData,page4-4ProcessingCreditReviews,page4-1SubmittingaCreditApplicationWhenthecreditapplicationcontainsallrequiredoravailablecreditdata,thecreditanalystorotherpersonnelclicksSubmitApplicationtosubmitthecreditapplicationforanalysis.
Whenyousubmitacreditapplication,CreditManagementcomparestheapplication'scontentsagainsttheassociatedcreditchecklisttoconfirmthatyouarenotmissinganyrequireddatapoints.
Evenifdatapointsaremissing,however,noncreditpersonnelcanstillsubmittheapplication.
Sinceadditionalworkisrequiredtofinalizetheapplication,theapplicationisroutedtotheassignedcreditanalystforcompletion,ortotheCreditSchedulerforanalystassignment.
ThecreditapplicationappearsintheIn-ProcessApplicationssearchresultsandtheassignedcreditanalystcanclicktheUpdateicontocompletetheapplicationandresubmititforanalysis.
TheCreditSchedulerisaworkflowrolethatCreditManagementusestoassigncreditanalyststocreditreviews.
See:CreditManagementApplicationWorkflow,pageB-1.
Oncetheapplicationsubmissionisconfirmed,CreditManagementcreatesacasefolderforthecreditapplicantandbeginsaworkflowprocesstodeterminewhethertoassigna4-12OracleCreditManagementUserGuidecreditanalysttothiscreditreview:1.
CreditManagementdoesnotassignacreditanalysttoacreditreviewifautomationrulesexistforthecombinationofcreditclassificationandcreditreviewtypeonthecreditapplication.
Ifautomationrulesexist,thenCreditManagementattemptstocompletethereviewprocesswithoutassistancefromcreditpersonnel.
Shouldavalidationstepfail,thenCreditManagementroutesthecreditreviewtotheCreditSchedulerforassignmentifacreditanalystisnotassignedtothecustomer'screditprofile.
See:AssigningAutomationRules,page3-17.
2.
CreditManagementassignsacreditanalysttoacreditreviewif:Acreditanalystsubmittedthecreditapplication,orAcreditanalystisassignedtothecustomer'screditprofile3.
CreditManagementroutesthecreditreviewtotheCreditSchedulerforassignmentifthepersonwhosubmittedthecreditapplicationisnotdefinedasacreditanalyst,and:Thecustomer'sprofiledoesnothaveanassignedcreditanalyst,orThepartyundercreditreviewisaprospect(apartywithnocustomeraccounts)RelatedTopicsProcessingCreditReviews,page4-1CollectingCreditData,page4-3UsingCreditApplicationstoCollectCreditData,page4-4UsingCaseFolderstoCollectCreditDataInadditiontothecreditapplication,thecasefolderisanothertoolthatyouusetocollectcreditdataaboutyourcustomerorprospect.
Thecasefolderisanelectronicrepresentationofahardcopycreditfile.
Creditanalystsusethecasefolderasthecentralrepositoryforcollecting,viewing,andanalyzingcreditdata.
AfterCreditManagementcreatesthecasefolder,youcanbeginthecreditanalysis.
Afteryousubmitacreditapplication,CreditManagementcreatesanassociatedcasefolder.
Or,youcanmanuallycreateacasefolderwithoutsubmittingacreditapplication.
Ineithercase,youcancontinuetoadddataaboutthecreditapplicantdirectlyintothecasefolderuntilyouconcludethecreditreview.
UsingCreditManagement4-13Note:Asidefromservingasadatacollectiontool,thecasefolderisalsoanimportantanalysistool.
See:AnalyzingCreditData,page4-16.
CreditManagementalsocreatesacasefolderwhenabusinesseventcallstheCreateCreditRequestAPItoinitiateacreditreview.
However,themanualadditionofdatatoacasefolderistypicallynotrequiredbecause,insuchcases,CreditManagementattemptsalldatacollection,analysis,anddecisioningonitsown.
See:CreditManagementApplicationWorkflow,pageB-1.
Whenabusinesseventinitiatesacreditreview,boththeUpdateCaseFolder:SummaryandCaseFolderpagesdisplaytheoriginatingsourceapplication,aswellasadditionaldetails.
Forexample,ifasalesorderholdinitiatedacreditreview,thenCreditManagementdisplaysdetailssuchastheordernumberandorderID.
Note:CreditrequestswiththeAppeal,RejectionAppeal,Re-Submission,orWithdrawalreasoncanonlycomefromanotherE-BusinessSuiteapplication,asindicatedbythecreditrequestsource.
Youcannot,forexample,withdrawcreditrequestsinCreditManagement.
See:E-BusinessSuiteIntegrationOverview,page5-1.
TheCreditRequestInformationregiononthesepagesalsoallowsyoutonavigatetoothercasefoldersinthesamechain.
Achainexistswhen:Acasefolderisautomaticallycreatedfortheguarantorthatisaddedtoacreditapplication.
Thechainlinkstheoriginalapplicantandtheguarantor.
See:EnteringDataintoaCreditApplication,page4-8.
Thereisatleastoneappealorresubmission,fromanotherE-BusinessSuiteapplication,inresponsetoanoriginalcreditrequest.
See:E-BusinessSuiteIntegrationOverview,page5-1.
Thecasefolderyounavigatetodependsonthecreditrequestreason,andotherconditions,asdescribedinthistable.
FieldCreditRequestReasonCaseFolderOriginalAllbutGuarantorAssessmentThefirstcasefolderinthechain.
OriginalGuarantorAssessmentThecasefolderthattheguarantorwasrequestedfor.
4-14OracleCreditManagementUserGuideFieldCreditRequestReasonCaseFolderCurrentAllbutGuarantorAssessmentThelastcasefolderinthechainthatisnotwithdrawn,unlessthereisonlyonecasefolderanditiswithdrawn.
CurrentGuarantorAssessmentNone.
PreviousAllbutGuarantorAssessmentThepreviouscasefolderinthechainthatisnotwithdrawn.
PreviousGuarantorAssessmentorWithdrawalNone.
NextAllbutGuarantorAssessmentThenextcasefolderinthechainthatisnotwithdrawn.
NextGuarantorAssessmentorWithdrawalNoneRelatedTopicsProcessingCreditReviews,page4-1CollectingCreditData,page4-3RetrievingaCaseFolder,page4-14EnteringDataintoaCaseFolder,page4-15ManuallyCreatingaNewCaseFolder,page4-16RetrievingaCaseFolderOntheAnalysistab,locatethecasefolderthatyouwanttoupdatebyusingoneofthethreequeriesthatCreditManagementprovides:Customer:Fromthesearchresults,youcanviewasummaryofcasefoldersthatexistforacustomerorprospect.
Youcanalsousetheinlineiconstoviewthecustomerorprospect'saccountsandcreditsummary.
Thecreditsummaryreflectscreditdatainrealtime.
Creditanalystscanviewandupdatespecificcasefolderdetails,providedthatthecasefolderstatusiseitherCreatedorSaved.
UsingCreditManagement4-15Noncreditpersonnelmustusethecreditsummarytoviewpertinentcreditdata,suchasbilling,paymenthistory,andagingdetails,becausetheycannotvieworupdatethecontentsofacasefolder.
CaseFolderNumber:Fromthesearchresults,youcanusetheinlineiconstovieworupdatedetailsforaspecificcasefolder,providedthatthecasefolderstatusiseitherCreatedorSaved.
Usethisquerytoviewacasefolder'sapplicationnumber,assignedcreditanalyst,andfolderstatus.
Thisqueryisavailableonlytocreditpersonnel.
Onlythecreditanalystassignedtothecasefoldercanupdateit.
MyCaseFolder:ThisqueryisidenticaltotheCaseFolderquery,exceptthatitreturnsonlycasefoldersthatareassignedtoyou.
Usethisquerytoquicklyresumeworkonanin-processcreditreview,ortoconsiderpreviousresearchthatyouperformed.
Toupdateacasefolder,thecasefolderstatusmustbeeitherCreatedorSaved.
Thisqueryisavailableonlytocreditpersonnel.
SearchcriteriaisbasedontheDataQualityManagement(DQM)setup.
See:SettingUpDataQualityManagementSearch,page2-3.
RelatedTopicsUsingCaseFolderstoCollectCreditData,page4-12ProcessingCreditReviews,page4-1EnteringDataintoaCaseFolderAfteryoulocatethecasefolderthatyouwanttoupdate,clicktheUpdateCaseFoldericontoviewtheUpdateCaseFolder:Summarypage.
Ifcertaincreditdatawasnotcapturedinthecreditapplicationorfromexistingaccountinformation,thenyoucanusethelinksintheleft-handmenutomanuallyprovidetherequireddata.
Althoughthelinkstakeyoutopagesthatresemblethecreditapplication,anyinformationthatyouaddatthisstageisstoredinthecasefolderitself.
Theleft-handmenucontainsanadditionallinkforRecommendationsthatdoesnotexistonthecreditapplication.
Also,thecasefolderprovidesyouwiththeabilitytoaddanalysisnotes.
Youusethesetwopagesduringcreditanalysis.
See:AnalyzingCreditData,page4-16.
RelatedTopicsUsingCaseFolderstoCollectCreditData,page4-12ProcessingCreditReviews,page4-14-16OracleCreditManagementUserGuideManuallyCreatingaNewCaseFolderYoucanmanuallycreateacasefolderforaprospectorcustomer,evenifyoudidnotsubmitacreditapplication.
However,thecustomerorprospectmustalreadyhaveanexistingcasefolder.
ThisisbecauseCreditManagementusespreexistingcasefolderdatatocreatethenewcasefolder.
Tocreateanewcasefolder,firstsearchforthecreditapplicantbyexecutingaCustomerqueryfromtheAnalysistab.
Thesearchresultsreturnalistofpartiesonly.
Fromthesearchresults,clicktheViewCaseFoldersicontoseealistofcasefoldersthatexistforthisprospectorcustomer.
Then,clickAddCaseFoldertomanuallycreateanewcasefolder.
Tip:Tocopyacasefolderfromtheaccountorsitelevel,firstclicktheViewAccountsicon,thentheViewCaseFoldersicon.
AfterclickingAddCaseFolder,youmustthenselectthecreditclassification,ifnotsupplied,aswellascreditreviewtypeandcreditcurrency.
Youcanalsooptionallyselectascoringmodel.
Finally,clickApply.
CreditManagementprefillsthecasefolderwithanyavailabledata,suchaspartyinformationanddatapointsfromthecreditchecklistthatmatchesthespecifiedcreditclassificationandcreditreviewtype.
Ifyouselectedascoringmodelforthecasefolder,thenCreditManagementdisplaysthescoreelements,aswell.
Youcancontinuetoaddcreditdatatoacasefolderafteryoucreateit.
NotethatyoumustenteranyrequireddatapointsbeforeCreditManagementwillmakeandimplementcreditrecommendations.
RelatedTopicsProcessingCreditReviews,page4-1CollectingCreditData,page4-3UsingCaseFolderstoCollectCreditData,page4-12AnalyzingCreditDataAfterinitiatingthereviewrequestandcollectingdata,thethirdstageofacreditreviewisthecreditanalysis.
CreditManagementprovidesyouwithCreditAnalysisdatapagesthathelpyoutomakeappropriatecreditrecommendations.
TheCreditAnalysisdatapagescomprisetheuniverseofdatapointsfortheapplicant.
TheCreditAnalysisdatapagesthatareavailableofftheAnalysistabinclude:UpdateCaseFolder:SummaryUsingCreditManagement4-17CreditAnalysis:CreditSummaryCreditAnalysis:BillingandPaymentDetailsCreditAnalysis:AgingDetailsSee:ViewingtheCreditSummary,page4-20.
Twoaudiencesusethesedatapages:1.
Noncreditpersonnelarerestrictedfromviewingthecontentsofthecasefolderbecausethefoldermightcontaininformationthatispertinentonlytocreditpersonnelwhoareanalyzingandapprovingcreditdecisions.
Therefore,inordertoprovideacurrentcreditsnapshotoftheapplicant,noncreditpersonnelshouldusetheCreditSummary,BillingandPaymentDetails,andAgingDetailspages.
Accessthesepagesbysearchingforacustomer,thenselectingtheViewAllDataicon.
2.
Creditpersonnelwhowanttoviewallpoint-in-timedataforanactiveanalysis.
Typically,acreditanalystperformsacreditanalysisbaseduponthedatainthecasefolder,determinedbythechecklistassociatedwiththecustomercreditclassificationandreviewtype.
Ifthecreditanalystviewstheuniverseofdatainadditiontowhatiscontainedinthecasefolder,thenhemightnoticesomethingthatcouldimpacttheoutcomeoftheanalysis.
Insuchacase,theanalystcouldmanuallyaddoneormoredataitemstothecasefolder.
Toadddatapointsfromthedatabasethatarenotspecifiedinthechecklist,clickAddDataPointsfromtheChecklistsectionoftheUpdateCaseFolder:Summarypage.
Accessthispagebysearchingforacustomer,thenselectingtheViewCaseFolder>UpdateCaseFoldericons.
Foreachcategory,onlythedatapointsnotalreadyselectedinthecasefolderaredisplayedwiththeircorrespondingvalue.
See:UsingCaseFolderstoCollectCreditData,page4-12.
RelatedTopicsUsingtheCaseFolder,page4-18CalculatingaCreditScore,page4-18AddingAnalysisNotestotheCaseFolder,page4-19ViewingCaseFolderAttachments,page4-20RefreshingCaseFolderData,page4-20ViewingtheCreditSummary,page4-20ProcessingCreditReviews,page4-14-18OracleCreditManagementUserGuideUsingtheCaseFolderThecasefolderisanelectronicrepresentationofahardcopycreditfile.
Creditanalystsusethecasefolderasthecentralrepositoryforcollecting,viewing,andanalyzingcreditdata.
AfterCreditManagementcreatesthecasefolder,youcanbeginthecreditanalysis.
SelecttheAnalysistabtolocateorcreateacasefolder.
See:UsingCaseFolderstoCollectCreditData,page4-12andRetrievingaCaseFolder,page4-14.
YoucanalsoviewthecreditsummaryfortheapplicantfromtheAnalysistab.
See:ViewingtheCreditSummary,page4-20.
CreditManagementattemptstocalculateacreditscoreandsubmitcreditrecommendationsforapprovalandimplementationwithoutassistancefromcreditpersonnel.
Ifacreditscorecannotbecalculatedduetomissingdata,thentheanalystmustmanuallyreviewthecasefolder'scontentsandmakearecommendation.
See:MakingaRecommendation,page4-21.
Thecasefolderincludes:CreditdataThecreditscore,ifoneisrequiredAnAnalysisNotessectionwhereyoucandocumentconditionsofinfluenceandjustifycreditrecommendationstoapproversAnyattachedelectronicfilesorscannedimagesAnup-to-the-minutestatusofthecreditreviewNote:Theexposureamountisdisplayedastherequestedamount.
Forexample,ifthesalesorderthatcorrespondstothiscreditrequesthasanorderamountof$4,000,andthereisapreviousbalanceof$4,700,thentherequestedamountis$8,700.
RelatedTopicsAnalyzingCreditData,page4-16ProcessingCreditReviews,page4-1CalculatingaCreditScoreThecreditscore,whichisapoint-in-timescore,isalwaystiedtoacasefolder.
Thedatapointsincludedinthecreditscorecanincludeanycombinationofautomatic,user-entered,orDun&Bradstreetdata.
IfalldatapointsonthechecklistareUsingCreditManagement4-19automaticallysuppliedorhavebeensuppliedfromDun&Bradstreet,thenCreditManagementautomaticallycalculatesacreditscore.
Ifcreditpersonnelmustmanuallysupplydatapointsusedinthecreditscore,suchasabankaccountbalancefromtheapplicant'sbankreferences,thenontheUpdateCaseFolder:Summarypage,clickRecalculateonthescoringmodeltorecalculatethescoreafteralldatapointvalueshavebeenadded.
AccesstheUpdateCaseFolder:Summarypagebysearchingforacustomer,thenselectingtheViewCaseFolder>UpdateCaseFoldericons.
Ascoringmodelisoptionalwhendefiningachecklist.
Ifyoudonotassignascoringmodeltoachecklist,thenthecreditanalystmustmanuallycompletethecreditanalysisandgeneratearecommendation.
See:DefiningChecklists,page3-5.
Evenifascoringmodelisassignedtothechecklist,youcanstillgenerateacreditscorebyselectingascoringmodelfromtheUpdateCaseFolder:SummarypageandclickingGo.
Usethismethodtogeneratevarious"what-if"scenariosfortheapplicant.
CreditManagementrefreshesthecasefolderpagetoshowthenewdatapointsinthescoringmodelandrecalculatesthecreditscore.
Note:Ifsomerequireddatapointvaluesaremissing,thenCreditManagementcannotgenerateascore.
RelatedTopicsAnalyzingCreditData,page4-16ProcessingCreditReviews,page4-1AddingAnalysisNotestotheCaseFolderDuringacreditreview,youcanrecordnotesintheAnalysisNotessectionofthecasefolder.
Thecasefolderdisplaysasummaryofanalysisnotesinchronologicalorder.
Analysisnotesassistboththecreditanalystandcreditreviewerstodocumentandjustifywhycertainrecommendationsweremade,ortoidentifyareasofnote.
Thesenotesarealsousefulifanewcreditanalystisassignedtoanactivecreditreviewandwantstoreviewtheworkthatthepreviouslyassignedanalystcompleted.
Youcanselectatopicforthenotefromauser-definablelistandassignanimportancelevel.
Youcanchoosewhethertopubliclydisplayanote,orcreateanotethatonlyyoucanview.
RelatedTopicsAnalyzingCreditData,page4-16ProcessingCreditReviews,page4-14-20OracleCreditManagementUserGuideViewingCaseFolderAttachmentsYoucanattachoneormoresupportingdocuments,suchasawebpage,fax,image,orscannedreport,toacreditapplicationorcasefolder.
CreditManagementdisplaysanyattachmentspreviouslycreatedduringthecreditapplicationprocess.
FromtheUpdateCaseFolder:Summarypage,youcanviewattachmentsfromthesecasefolderpages:AddCollateralDataAddBankReferenceAddTradeReferenceRelatedTopicsAnalyzingCreditData,page4-16ProcessingCreditReviews,page4-1RefreshingCaseFolderDataIfanactivecreditanalysishasbeeninprocessforsometime,thehistoricaldatacollectedfromthesystemmightbecomeoutdated.
YoucanrepopulateallautomaticallyderiveddatapointvaluesinthecasefolderbyclickingRefresh.
OracleCreditManagementwilldisplaytheconcurrentrequestnumberofthebackgroundprocessthatisusedtorefreshthedata.
Uponcompletionoftheconcurrentrequest,youmustrefreshorrequerythecasefoldertoreflecttheupdateddata.
Note:Onlythecasefolderdata,andnotdataintheCreditSummaryDatapages,isrefreshed.
However,youcanclickRefreshDataintheCreditSummaryDatapagestoupdatethevaluesdisplayedthere.
RelatedTopicsAnalyzingCreditData,page4-16ProcessingCreditReviews,page4-1ViewingtheCreditSummaryToviewthecreditsummaryforacustomerorprospect,executeaqueryontheAnalysistabbycustomername,thenclicktheViewAllDataicon.
Or,whenviewingtheUpdateCaseFolder:Summarypage,clickViewAllData.
ThecreditsummarydisplaysthemostpertinentcreditdatafortheselectedcreditUsingCreditManagement4-21applicant.
Somedatapointsreflectreal-timeinformation,whileotherdatapointsareasnapshotofasinglepointintime.
Usethecreditsummaryasaquickreferenceduringthecreditreview.
TheCreditSummarypageconsistsofseveralregions,comprisedofthemostimportantdatapointsfromseveralareas.
Theregionsare:AccountInformationBillingandPaymentSummaryCreditSummaryAgingSummaryFromtheCreditSummarypage,youcanalsousethelinksintheleft-handmenutoviewadditionalbillingandpaymentdetails,aswellasadditionalagingdetails.
BoththeBillingandPaymentDetailspageandAgingDetailspageareviewonly.
Note:NodatavaluesareshownontheCreditSummarypageuntilaninitialcasefolderhasbeencreatedfortheapplicant.
Afterthat,youcanviewandrefreshCreditSummarydataatanytime.
RelatedTopicsAnalyzingCreditData,page4-16ProcessingCreditReviews,page4-1MakingaRecommendationAttheconclusionofacreditreview,eitherOracleCreditManagementoracreditanalystmakesarecommendationinresponsetotheoriginalcreditrequest:Ifacreditreviewisusingascoringmodelwithassignedautomationrules,thenCreditManagementlooksatthecalculatedcreditscoretoautomaticallyselecttheappropriatecreditrecommendations,allwithouttheassistanceofcreditpersonnel.
Note:Ifrecommendationsarenotinsertedinthecasefolder,itcouldbethatvalueswerenotprovidedforallrequireddatapointsfromtheusedchecklist.
Inthiscase,youneedtomanuallyentertherecommendation.
Ifallscoringdatapointvalueswereprovided,acreditscoreisstillcalculated.
Ifacreditanalystismanagingthecreditreview,thentheanalystrecords4-22OracleCreditManagementUserGuiderecommendationsinthecasefolder,basedonthecreditanalysisandresultingcreditscore,andsubmitsthecasefolder.
Tip:Thecreditanalystcanselectonlythosecreditrecommendationsthatarerelevanttothetypeofcreditapplicationunderreview.
Forexample,duringacreditapplication,onlytradecreditrecommendationswilldisplayforselection;duringaleaseapplication,onlytermcreditrecommendationswilldisplay.
Generally,arecommendationisspecifictothetypeofreviewthatwasjustconcluded.
Forexample,acreditreviewthatanorderholdoriginallyinitiatedwouldmostlikelyresultinarecommendationto:1.
Increasethecreditlimittoaccommodatetheamountoftheorderandremovetheorderfromhold.
or2.
Denytherequestforanincreaseinthecreditlimitandleavetheorderonhold.
Otherrecommendationsmightalsoputthecustomeroncreditholdsothatnoneworderscouldbeprocessed.
Insuchacase,CreditManagementworkswithOracleReceivablestoplaceallpendingordersonhold,aswell.
CreditManagementconfirmsthatmultiplerecommendationsarecomplementary.
Forexample,youwouldnotrecommendtoplacetheaccountoncreditholdandincreasetheapplicant'soverallcreditlimitatthesametime.
Afterthecasefolderissubmitted,theCreditManagementworkflowdetermineswhethertherecommendationsmustberoutedthroughanapprovalhierarchy.
Forexample,ifautomationrulesonthescoringmodelhavetheSkipApprovalcheckboxselected,thennoapprovalisrequired.
However,ifnoautomationrulesexistonthescoringmodel,oriftheSkipApprovalcheckboxisnotselected,thentheCreditManagementworkflowcallstheApprovalsenginetoroutetherecommendationthroughtheapprovalhierarchy.
See:SettingUpCreditDecisionApprovalPolicies,page3-21.
Eachpersonintheapprovalhierarchyreceivesanotificationthattheymustapproveorrejecttherecommendations.
Uponfinalapproval,thecreditanalystreceivesnotificationthatthecreditrecommendationshavebeenapproved.
See:CreditManagementApplicationWorkflow,pageB-1.
Uponapproval,theCreditManagementworkflowevaluatestherecommendationsandperformsoneoftwoactions:ImplementstherecommendationForexample,increasecreatelimitby10%andchangethecustomercreditclassificationtoModerateRisk.
UsingCreditManagement4-23CreatesaworkflowbusinesseventthattellsotherE-BusinessSuiteapplicationsthattherecommendationwasapproved.
Thismethodisgenerallyusediftheoriginalcreditreviewrequestcamefromanotherapplication,suchasOracleLeaseManagement.
Bysubscribingtothisbusinessevent,LeaseManagementcanthenactupontherecommendation.
Forexample,let'ssaythatatermcreditreviewisapprovedinCreditManagement.
Uponapproval,abusinesseventfortherecommendation,ApproveTermCredit,israised.
LeaseManagementsubscribestothisbusinesseventandcanactuponitbyapprovingtheleaseapplication.
FrequentlyAskedQuestionsDoesCreditManagementsupportconditionalapprovalsYes.
See:ApprovingaCreditReviewwithConditions,page5-6.
Let'ssaythatanincompletecreditapplicationcausesacreditreviewtoberoutedtoacreditanalystformanualprocessing.
Afterthecreditanalystfixestheissue,cantheanalystre-submitthecreditapplicationorcasefolderforcontinuedautomationOr,doestheanalystneedtomanuallycompletethecreditreview,includingthemanualselectionofthefinalcreditrecommendationInthiscase,aftertheanalystre-submitsthecreditapplicationorcasefolder,CreditManagementwillevaluatewhetherautomationrulesexistonthescoringmodelinuse.
Ifautomationrulesexist,thenthecreditrecommendationsareautomaticallyderived.
Inthisway,CreditManagementallowscontinuedautomationtoimproveyourcreditdepartment'sprocessingefficiency.
Iftheanalystalreadymanuallydocumentedcreditrecommendations,thenthemanualrecommendationssupersedetheautomationrules.
RelatedTopicsImplementingtheRecommendation,page4-23ProcessingCreditReviews,page4-1ImplementingtheRecommendationIfadditionalapprovalisunnecessaryortheapprovalwasalreadyobtained,thentheworkflowcallstheappropriateAPIstoimplementtherecommendation.
OracleCreditManagementautomaticallyimplementstherecommendationafterallrequiredpartieshaveapprovedit.
Forexample,iftherecommendationindicatesthattheordershouldberemovedfromcredithold,thentheworkflowwillcalltheRemoveCreditHoldAPIandpassthenecessaryinformation,suchasorderID,accountID,andsoon,toinitiatetheprocess.
Whenacustomerisreleasedfromhold,OracleCreditManagementworkswithOracle4-24OracleCreditManagementUserGuideReceivablestoensurethatthecustomer'spendingordersarereleasedfromhold,aswell.
See:CreditManagementApplicationWorkflow,pageB-1.
RelatedTopicsMakingaRecommendation,page4-21ProcessingCreditReviews,page4-1PeriodicCreditReviewProgramUsethePeriodicCreditReviewconcurrentprogramtoscheduletime-orientedcreditreviewsthatcomplywithyourenterprisecreditpolicies.
Periodiccreditreviewshelptoestablishhistoricalcomparisonsofacustomer'screditworthiness.
Forexample,youmightrequirecreditreviewsonanannual,biannual,orquarterlybasisforallparties,accounts,orsites.
Tobeeligibleforperiodiccreditreviews,customersmusthaveanassignedperiodicreviewcycle,eitherattheprofileorcustomerlevel.
ThePeriodicCreditReviewprogramusestheassignedreviewcycle,inconjunctionwiththeattributesintheCreditReviewswindow,tocontrolwhichcustomersareselectedforperiodiccreditreviews.
Youcanmanuallyupdatetheseattributes.
Or,letOracleCreditManagementautomaticallydeterminecustomereligibility.
AccessthePeriodicCreditReviewconcurrentprogramfromtheRunCreditManagementProgramsandReportswindow,availablefromanyOracleReceivablesresponsibility.
DeterminingCustomerEligibilityThePeriodicCreditReviewprogramusesacustomer'sassignedreviewcycleandtheattributesontheCreditReviewswindowtocalculatethenextreviewdate.
ToaccesstheCreditReviewswindow,queryacustomerontheOracleReceivablesCustomersworkbench,navigatetotheProfile:Transactiontabbedregion,andselectCreditReviewDatesfromtheToolsmenu.
Thiswindowcontainstwoattributesthathelptodeterminewhichcustomersareselectedforperiodiccreditreviews:LastReviewDate(viewonly)NextScheduledReviewDate(updatable)Tip:Theseattributesalsohelpyoutodecidewhetherareviewcyclereassignmentforacustomerisnecessary,becauseyoucaneasilyviewwhenacustomerisnexteligibleforaperiodicreview.
UsingCreditManagement4-25OracleCreditManagementreviewstheassignedreviewcycleandlastreviewdatetocalculatethenextreviewdate.
Forexample,iftheassignedreviewcycleismonthly,andthecustomerwaslastreviewedonAugust24,thenthenextscheduledreviewwouldbeSeptember24.
Tomanuallycontrolcustomereligibilityforperiodiccreditreviews,changetheassignedreviewcycleorupdatetheNextScheduledReviewDatefield.
Changingthereviewcycleforcestheprogramtoadjustthenextreviewdate:Ifalastreviewdateisspecified,thentheprogramaddsthenumberofdaysinthereviewcycletodeterminethenextreviewdate.
Ifnolastreviewdateexists,thentheprogramkeepsthenextreviewdateasis,ifoneexists,orleavesitempty,ifnull.
WhenthePeriodicCreditReviewprogramissubmitted,theprogramautomaticallyselectsthosecustomerswhosenextreviewdateislessthanorequaltothesystemdate.
SelectedParametersEnteryourselectioncriteriausingthefollowingparameters:ReviewCycleReviewCycleAsofDateOptionallyusethisparameterwith,orinsteadof,theReviewCycleparameter,asanadditionalfilterfordeterminingcustomereligibility.
TheprogramusesthereviewcycleandtheattributesintheCreditReviewswindowtodeterminethenextreviewdate:AcustomeriseligibleforselectionwhentheReviewCycleAsofDateisgreaterthanorequaltothenextreviewdate,providedthatotherenteredparametersarenotinconflict.
Thenextreviewdatecanbeentered,orautomaticallycalculatedusingthereviewcycleandlastreviewdate.
Iftheprogramcannotcalculateanextreviewdate,thenthecustomeriseligibleforselection,providedthatotherenteredparametersarenotinconflict.
Thisoccursduringaninitialperiodicreview.
CurrencyCodeSpecifythecurrencythatyouwanttorunaperiodiccreditreviewfor.
Whenyousubmitthisprogramforaspecificcurrency,theprogramfirstchecksifapreviouscasefolderwithaPeriodicsourceexistsfortheenteredcurrency.
4-26OracleCreditManagementUserGuideIfsuchacasefolderisfound,thentheprogramcalculateseligibilitybyusingthecasefolder'sreviewdateasthelastreviewdate.
See:CustomerSelectionExample,page4-27.
Ifnocasefolderisfound,thentheprogramusesthestandardguidelinestodetermineeligibility.
See:DeterminingCustomerEligibility,page4-24.
CustomerLevelIndicatewhichlevelofcustomerisselectedforperiodicreview:AccountsAllBill-toSitesPartiesNote:Nocreditrequestswillbecreatedifotherparametersconflictwiththevalueenteredhere.
Forexample,ifyouselectPartiesbutlaterspecifyanaccountnumber,thenthePeriodicReviewEligibilityreportwilldisplaynoindividualdata.
ChecklistPartyNameAccountNumberCreditClassificationProfileClassProcessingOptionsGenerateReportOnlyThisoptiononlyprintsthePeriodicReviewEligibilityreport,sothatyoucanpreviewwhichcustomerswillbeselectedforprocessing.
ProcessReviewsThisoptiononlycreatescreditrequestsforeligiblecustomers,anddoesnotprintthePeriodicReviewEligibilityreport.
ReportandReviewsThisoptionbothprintsthePeriodicReviewEligibilityreport,andcreatescreditUsingCreditManagement4-27requestsforeligiblecustomers.
CustomerSelectionExampleConsiderthisscenarioforcustomerVisionOperations,whichhasaweeklyreviewcycle.
First,runthePeriodicCreditReviewprogramforUSDcurrencyonApril12.
1.
VisionOperationshasnopreviousUSDperiodicreviews.
Therefore,alastreviewdateandnextreviewdatedonotexist.
2.
Theprogramusesstandardguidelinestocalculatethenextreviewdate,whichisApril19.
Onthesameday,runthePeriodicCreditReviewprogramforCADcurrency.
1.
VisionOperationshasnopreviousCADperiodicreviewsaswell,butnow,thenextreviewdateisApril19.
2.
Theprogramwillselectthiscustomerforprocessing,butwillmaintainthenextreviewdateofApril19.
OnApril20,runthePeriodicCreditReviewprogramforUSDcurrency.
1.
VisionOperationshasanextreviewdateofApril19.
2.
Theprogramwillselectthiscustomerforprocessing,andwillupdatethenextreviewdatetoApril26.
OnApril22,runthePeriodicCreditReviewprogramforCADcurrency.
1.
VisionOperationsnowhasanextreviewdateofApril26,whichisgreaterthanthesystemdate.
Thiscustomerfailsthefirsttestofeligibility.
2.
Next,theprogramchecksifapreviousCADcasefolderwithaPeriodicsourceexists.
AcasefolderwithadateofApril12isfound.
3.
Theprogramusesthereviewcycle(weekly)andpreviousdate(April12)tocalculatethenextreviewdate,specificallyforCADcurrency.
ThenewlycalculateddateisApril19,whichislessthanthesubmissiondateofApril22.
Thecustomerisselectedforprocessing.
RelatedTopicsProcessingCreditReviews,page4-1E-BusinessSuiteIntegration5-15E-BusinessSuiteIntegrationThischapterdescribeshowotherOracleE-BusinessSuiteapplicationsintegratewithOracleCreditManagementfortheircreditneeds.
Thischaptercoversthefollowingtopics:E-BusinessSuiteIntegrationOverviewOracleOrderManagementIntegrationOracleLeaseManagementIntegrationOracleLoansIntegrationE-BusinessSuiteIntegrationOverviewOtherOracleE-BusinessSuiteapplicationsintegratewithOracleCreditManagementtoincorporatethecreditreviewprocessintheirbusinessflows.
Theseapplicationsare:OracleOrderManagement,page5-2OracleLeaseManagement,page5-3OracleLoans,page5-6DefiningRecommendationsforIntegratedApplicationsForalistofseededrecommendations,see:SettingUpCreditRecommendations,page3-19.
Or,followthesestepstodefineyourownrecommendationsforusewithLeaseManagementorLoans:1.
DefinetherecommendationsthatcreditanalystswillenterforcreditreviewsinitiatedfromLeaseManagementorLoans.
Creditanalystsmanuallyentertheserecommendationsinthecasefolder.
UsetheAR_CMGT_TERM_RECOMMENDATIONSlookupcode.
5-2OracleCreditManagementUserGuideSee:DefiningLookups,page2-10.
2.
Re-entertherecommendationsdefinedinthepreviousstepusingasecondlookupcode,AR_CMGT_RECOMMENDATIONS.
Creditanalystsaccesstheserecommendationswhendefiningautomationrules.
Tip:(LeaseManagementonly)UsetheTagfieldintheReceivablesLookupswindowtoassignaURLorOAfunctiontoatermcreditrecommendation.
Later,whenacreditanalystpicksarecommendationthathasanassignedURLorOAfunction,theanalystispresentedwithanewpagewheredatacanbeenteredandstoredinLeaseManagement.
Thisisusedwhenananalystismakingaconditionalapproval.
See:ApprovingaCreditReviewwithConditions,page5-6.
OracleOrderManagementIntegrationProcessFlowofanOrderManagementCreditReviewThissequenceofeventsdescribestheprocessflowofacreditrequestthatisinitiatedfromOracleOrderManagement.
1.
AneworderinOrderManagementviolatesthecustomer'sexistingcreditlimit.
Forexample,perhapsthecustomer'sOverallCreditLimit(plusanytolerances)hasbeenexceeded.
OrderManagementputstheorderonholdpendingcreditreview.
2.
AcreditreviewrequestissenttoOracleCreditManagementviatheCreateCreditRequestAPI.
3.
TheCreateCreditRequestAPIcreatesacreditapplication.
UsingtheCreditManagementApplicationworkflow,CreditManagementattemptstosubmitthecreditapplicationandcreatethecasefolderforcreditanalysiswithoutuserintervention.
If,atanytime,theworkflowprocessingfails,CreditManagementassignsacreditanalysttothecreditreviewformanualprocessing.
4.
Onceacreditscorehasbeencalculatedbytheassignedscoringmodel,eitherCreditManagementoracreditanalystassignsoneormorerecommendationstothecasefolder.
Thecasefolderissubmitted.
5.
Ifapprovalisrequired,thenrecommendationsaresenttoOracleApprovalsManagement:CreditManagementsendsthecreditanalystIDtoApprovalsManagementusingtheAMEGetNextApproverAPI.
E-BusinessSuiteIntegration5-3ApprovalsManagementexecutesitsownrulesengine.
ApprovalsManagementdeterminesthenextapproverandreturnstheapproverIDtoCreditManagement.
TheCreditManagementApplicationworkflowsendsanotificationtotheapprover.
Iftheapproverrejects,thenCreditManagementclosesthecasefolderandtherecommendationhasstatusofRejected.
Iftheapproverapproves,thenCreditManagementstartstheapprovalprocessagain.
CreditManagementsendsthepreviousapproverIDtoApprovalsManagementusingtheAMEGetNextApproverAPI.
ApprovalsManagementcanreturnanextapprover.
Or,ApprovalsManagementcanreturnNULL,whichmeansthateithernoruleexistsorthepreviousapproverwasthefinalapprover.
Onceapproved,CreditManagementclosesthecasefolderandassignsastatusofApprovedtotherecommendations.
Ifapprovalisnotrequired,thentherecommendationsareautomaticallyimplementedandthecasefolderisclosed.
6.
Uponapproval,CreditManagementraisesabusinesseventindicatingiftherecommendationwasimplementedornot.
7.
OrderManagementsubscribestothebusinesseventand,dependingonthefinalcreditdecision,cantaketheorderoffholdornot,increasethecustomer'screditlimit,andsoon.
OracleLeaseManagementIntegrationOracleCreditManagementintegrateswithOracleLeaseManagementtoprovidefunctionalityaroundcreditreviewsthatareinitiatedbyleaseapplicationupdatesinLeaseManagement.
ProcessFlowofaLeaseManagementCreditReviewThissequenceofeventsdescribestheprocessflowofacreditrequestthatisinitiatedfromOracleLeaseManagement.
1.
AnewleaseapplicationiscreatedinLeaseManagement.
5-4OracleCreditManagementUserGuide2.
AcreditreviewrequestissenttoOracleCreditManagementviatheCreateCreditRequestAPI.
3.
TheCreateCreditRequestAPIcreatesacreditapplication.
UsingtheCreditManagementApplicationworkflow,CreditManagementattemptstosubmitthecreditapplicationandcreatethecasefolderforcreditanalysiswithoutuserintervention.
DatapointsfromLeaseManagementarelistedasAdditionalDataPoints,andcanusePL/SQLfunctionstoautomaticallyderivedatapointvalues.
If,atanytime,theworkflowprocessingfails,CreditManagementassignsacreditanalysttothecreditreviewformanualprocessing.
4.
Onceacreditscorehasbeencalculatedbytheassignedscoringmodel,eitherCreditManagementoracreditanalystassignsoneormorerecommendationstothecasefolder.
Note:ThecreditrequestcanbeappealediftheAuthorizeAppealrecommendationisselected.
Thisauthorizationexpiresbasedontheappealdayssetinsystemoptions.
See:DefiningCreditManagementSystemOptions,page2-7.
5.
Recommendationscancarryconditionsthatcanrequestchangesincertaintermsoftheleaseapplication.
Forexample,perhapsthecreditanalystdisagreeswiththeofferedpaymentplan.
Inthisconditionalapprovalflow:Thecreditanalysttellsthesalesrepresentativetofixtheleasepaymentplan.
TheanalystassignsthecasefoldertothesalesrepresentativeviatheCreditScheduler(providedthatthesalesrepresentativehasbeenassignedthecreditanalystrole).
Thesalesrepresentativeviewsthecasefolderandaddtherecommendation,UpdatePaymentPlan,forexample.
Thisrecommendationimmediatelyopensanewuserinterfacewherethepaymentplandetailscanbeupdated.
UpdatesarestoredinLeaseManagement.
Ifthesalesrepresentativedoesnothaveaccesstothecasefolder,thenthecreditanalystandsalesrepresentativediscussinternally,thenthecreditanalystupdatesthepaymentplandetailsaccordingly.
6.
Oncetheconditionsarefulfilled,thecasefolderissubmittedforapproval.
7.
Foradescriptionoftheapprovalflow,see:ProcessFlowofanOrderManagementCreditReview,page5-2.
E-BusinessSuiteIntegration5-58.
Uponapproval,CreditManagementraisesabusinesseventindicatingiftherecommendationwasimplementedornot.
9.
LeaseManagementsubscribestothebusinesseventandimplementsthefinalrecommendationfortheleaseapplication.
10.
InLeaseManagement,thesalesrepresentativecanalso:Ifallowed,appealthecreditdecisionorcreditapplicationrejection.
Resubmittheleaseapplicationduetopricingparameterchangesonthequote.
ThesalesrepresentativeaccordinglyselectstheAppeal,RejectionAppeal,orRe-Submissioncreditrequestreason.
Theappealorre-submissionfromLeaseManagementcreatesanewcreditrequest,whichundergoesthesamegeneralprocessinCreditManagementastheoriginalrequest.
Anewleaseapplicationrecordsthedataoftheappealorre-submission.
ReferencestotheapplicationbeingappealedarepassedintoCreditManagement.
Acasefolderassociatedwiththeappealorre-submissionisgeneratedinCreditManagement.
Thiscasefolderisaduplicateoftheclosedcasefolderfromtheoriginalcreditrequest,plusadditionaldataforthenewrequest.
Note:Therecanbeanumberofreviewandappeal/resubmissioncyclesforagivenoriginalleaseapplication.
Onlythelatestversionthatisnotwithdrawncanbeappealedorresubmitted,andeachversioncanonlybeappealedorresubmittedonce.
Atanytimeintheentirecreditreviewprocess,thesalesrepresentativecanwithdrawtheleaseapplicationinLeaseManagement.
TheselectedwithdrawalreasonispassedtoCreditManagement.
ThecreditreviewrequestisautomaticallyfrozeninCreditManagement,regardlessofthestageoftheprocessandwhetherthecreditreviewhascompletedornot.
Thewithdrawncreditapplicationorcasefolderispurgedfromthecreditanalyst'sworkqueue;thependingapprovalsaredeletedfromtheapprover'squeue,ortheapproversarenotifiedofthecancellationoftheleaseapplication.
Important:Thereisnoreturnbackfromawithdrawal,andtheleaseapplicationcannotbereopenedandalteredorresubmitted.
5-6OracleCreditManagementUserGuideApprovingaCreditReviewwithConditionsWhenworkingwithcreditreviewsthatwereinitiatedbyaleaseapplication,somecreditanalystsmightwanttoapproveacreditreview,providedthatcertainconditionsoftheleaseapplicationarefulfilled.
OracleLeaseManagementalreadyprovidessomeseededconditions,butyoucanaddyourown.
Toaddaconditiontoarecommendation,youmustbuildtheseparatepagefirstwhereconditionfulfillmentdetailscanberecorded,thenaddthenewpage'sOAfunctiontotheOracleLeaseManagementlookuptype,OKL_CR_MGMT_RECOMMENDATION,usingtheTagfield.
Forexample,perhapsaleasecannotbeprocessedwiththecurrentpaymentplan.
Instead,anewpaymentplanmustbedocumentedbeforethecreditanalystcanevaluatetheriskassociatedwiththeproposedlease.
Inthisexample,eitherthecreditanalystorsalesrepresentativecanenterarecommendationthatcarriesaconditiononthecasefolder,suchasUpdatePaymentPlan.
Therecommendationwillopenaseparatepagewherenewpaymentplandetailscanbeadded.
Thecreditanalystisnotresponsiblefortheverificationofwhetherconditionsaremet.
Forexample,leaseapplicationconditionsareevaluatedandconfirmedbythesalesrepresentativeduringtheleasebookingandfundingprocesses.
InCreditManagement,thecasefolderisfrozenuntiltheconditionisfulfilledoutsidethecreditdepartment.
FrequentlyAskedQuestionsMycreditdepartmentisnotfamiliarwithleasingfunctionality.
HowcanIgivetheleasingdepartmentaccesstocreditreviewsAssignthecreditanalystroletothemembersofyourleasingdepartment.
See:DefiningCreditAnalysts,page2-1.
OracleLoansIntegrationOracleCreditManagementintegrateswithOracleLoanstoprovidefunctionalityaroundcreditreviewsthatareinitiatedbyloanapplicationsinLoans.
ProcessFlowofaLoansCreditReviewThissequenceofeventsdescribestheprocessflowofacreditrequestthatisinitiatedfromOracleLoans.
1.
AnewloanapplicationiscreatedinLoans.
E-BusinessSuiteIntegration5-72.
AcreditreviewrequestissenttoOracleCreditManagementviatheCreateCreditRequestAPI.
3.
TheCreateCreditRequestAPIcreatesacreditapplication.
UsingtheCreditManagementApplicationworkflow,CreditManagementattemptstosubmitthecreditapplicationandcreatethecasefolderforcreditanalysiswithoutuserintervention.
Note:Thecasefoldernumberisthesameastheloannumber.
Co-borrowerdetailsaretotaledwiththeprimaryborrower'sdatapointsinasingle,combinedcasefolder.
DatapointsfromLoansarelistedasAdditionalDataPoints,andcanusePL/SQLfunctionstoautomaticallyderivedatapointvalues.
If,atanytime,theworkflowprocessingfails,CreditManagementassignsacreditanalysttothecreditreviewformanualprocessing.
4.
Onceacreditscorehasbeencalculatedbytheassignedscoringmodel,eitherCreditManagementoracreditanalystassignsoneormorerecommendationstothecasefolder,andsubmitsandclosesthecasefolder.
5.
InOracleLoans,theloansagentreviewsthecasefolder,especiallytherecommendations.
Ifthecreditrequestisapproved,theagentreviewstheloanapplicationandsubmitsittotheloansmanagerforapproval.
Iftherecommendationistorejecttheloanapplication,theloansagentcancontinuetoseekapprovalfromtheloansmanager,orresubmittheloanapplicationforcreditreviewaftermakingmodificationstotheloanapplicationbasedontherecommendations.
6.
Iftheloansagentdecidestoresubmitforcreditreview,there-submissionfromLoanscreatesanewcreditrequest,whichundergoesthesamegeneralprocessinCreditManagementastheoriginalrequest.
Acasefolderassociatedwiththere-submissionisgeneratedinCreditManagement.
Thiscasefolderisaduplicateoftheclosedcasefolderfromtheoriginalcreditrequest,plusadditionaldataforthenewrequest.
Note:Therecanbeanumberofreviewandresubmissioncyclesforagivenoriginalloanapplication.
Onlythelatestversioncanberesubmitted,andeachversioncanonlyberesubmittedonce.
WorkloadManagement6-16WorkloadManagementThischapterdescribesmanagingcreditanalystassignments.
Thischaptercoversthefollowingtopics:CreditAnalystAssignmentRulesReassigningCreditReviewsReassignCreditAnalystProgramCreditAnalystAssignmentRulesIf,afterthesubmissionofacreditapplication,theCreditManagementworkflowcannotsuccessfullyproceedthroughtheanalysisphase,thenOracleCreditManagementassignsacreditanalystformanualprocessing.
HowdoesCreditManagementdeterminewhichcreditanalysttoassignCreditManagementusestheRulesEngine,acomponentoftheE-BusinessSuite,toletyoudefinerulesthatcontrolthecorrectcreditanalystassignment.
OntheCreditAnalystAssignmentspage,usetheRulesListtabto:Selectadefaultcreditanalyst.
CreditManagementusesthisdefaultwhennoruleeitherexistsorappliesduringaparticularcreditreview.
Definetherulesthatindicatehowcreditanalystsareautomaticallyassignedtocasefolders.
CreditManagementevaluatestherulesthatyoucreateinsequentialorder.
UsetheCreateRulepagetocreateyourcreditanalystassignmentrules.
OntheCreateRulepage,enterthematchingcriteriafortherule.
Then,intheResultregion,enterthecreditanalystwhowillbeassignedwhentherulecriteriaismet.
Whenacreditanalystisrequired,theappropriateassignmentisdeterminedusingthefollowingsequence:1.
TheassignmentrulesthatyoudefinedusingtheRulesEngineareexecuted.
6-2OracleCreditManagementUserGuide2.
Ifnocreditanalystisidentified,thenthedefaultcreditanalyst,selectedontheRulesListtab,isused.
3.
Ifnodefaultcreditanalystexists,thenCreditManagementusesthedefaultcreditanalystontheassignedcustomerprofileclass.
If,aftertheabovesteps,CreditManagementfailstoidentifyacreditanalyst,thenCreditManagementautomaticallyroutesthecreditreviewtotheCreditScheduler.
AcreditmanagermustlogonusingtheCreditSchedulerresponsibilitytomanuallyselectacreditanalyst.
TestingYourAssignmentRulesUsetheTestCasestabtoconfirmthattherulesbehaveasexpected.
Thisisespeciallyhelpfulifyourassignmentrulesarecomplex.
Tocreateatestcase,entertheparametersthatyouwanttotestcreditanalystassignmentfor,andclickGetResultstohavetheRulesEngineevaluatetherulesandautomaticallysupplytheresult.
Or,manuallyentertheexpectedresults.
Youcansavethetestcasetorunagainlater,whichyoushoulddowhenevertherulesaremodified.
ReassigningCreditReviewsUsetheReassignCreditReviewspagetomoveselectedcreditapplicationsandcasefoldersamongcreditpersonnel.
Reassignmentmightbenecessarytorebalanceworkloadbetweencreditanalysts.
Youcanalsousethispagetoassigncreditanalyststounassignedcreditapplications.
Tip:ThisprocessisdifferentfromtheReassignCreditAnalystprogram,whichmovestheentireworkqueueofonecreditanalysttoanother.
See:ReassignCreditAnalystProgram,page6-3.
ReassignmentsmadethroughtheReassignCreditReviewspagedonotmodifycreditanalystassignmentsinthecustomerprofileclasses.
Asaresult,theassignedcreditanalystfromtheprofilewilldefaultonsubsequentcasefoldersorcreditapplicationssubmittedforthecustomer.
Tochangethecreditanalystdefaultforfuturecreditrequests,manuallyupdatethecustomerprofileclasses.
Or,submittheReassignCreditAnalystprogram.
AccesstheReassignCreditReviewspageusingtheCreditSchedulerresponsibility.
Entersearchcriteria,thenselectoneormorereviewsforreassignment.
Reassignedreviewsappearinassignees'queueswithoutadditionalnotification.
WorkloadManagement6-3ReassignCreditAnalystProgramOvertime,personnelchangesmightrequireachangetothecreditanalystwhoisassignedtoanaccount,creditapplication,orcasefolder.
Forexample,acreditanalystmighttakeapersonalleaveofabsence,orleavetheorganizationentirely.
UsetheReassignCreditAnalystconcurrentprogramtospecifytherequiredanalystchanges.
Thisprogramexecutesamassupdateonabatchbasis,movingacreditanalyst'sentireworkqueuetoanothercreditanalyst'sworkqueue.
Thisprogramalsoupdatesthecreditanalystassignmentintherelatedcustomerprofileclass,sothatfuturecreditreviewsautomaticallyreflectthenewcreditanalystassignment.
Tip:ThisprocessisdifferentfromusingtheReassignCreditReviewspage,whichselectivelymovescreditapplicationsandcasefoldersbetweencreditpersonnel,anddoesnotaffectthecustomerprofileclass.
See:ReassigningCreditReviews,page6-2.
TheReassignCreditAnalystconcurrentprogrammakespermanentchanges.
Toaccommodatetemporarychanges,suchasvacations,runthissameprogramwhenthetemporaryperiodhasendedtoreinstatetheoriginalcreditanalyst.
AccesstheReassignCreditAnalystconcurrentprogramfromtheRunCreditManagementProgramsandReportswindow,availablefromanyOracleReceivablesresponsibility.
SelectedParametersCreditAnalystFrom:Selectthecreditanalystthatyouwanttoremovefromassignment.
CreditAnalystTo:Selectthenewcreditanalystthatyouwanttouseforthisreassignment.
AdditionalImplementationConsiderations7-17AdditionalImplementationConsiderationsThischapterdescribesadditionalsetupstepstoconsiderwhenimplementingOracleCreditManagement.
Thischaptercoversthefollowingtopics:DefiningCreditUsageRuleSetsDefiningCreditHierarchiesDefiningCreditUsageRuleSetsCreditusagerulesetsareusedasfollows:InOracleOrderManagement,creditusagerulesetsdefinethesetofcurrenciesthatwillshareapredefinedcreditlimitduringthecreditcheckingprocess,andenablethegroupingcurrenciesforglobalcreditchecking.
InOracleCreditManagement,creditusagerulesetsensurethatalltransactionsforthespecifiedcurrenciesareconvertedtothecreditcurrencyandincludedindatapointcalculationsinthecasefolder.
Forexample,ifacustomerisassignedtheDefaultprofileclasswithacreditusagerulesetthatincludesUSD,EUR,andCAD,thenanytransactionsofthosecurrenciesareincludedinthatcustomer'scasefolderfordatapointssuchasCountofOpenInvoicesorAmountofOpenInvoices.
InOracleCreditManagement,creditusagerulesarerequired.
Evenifyouperformcreditreviewsinonlyonecurrency,orconductyourbusinessinonlyonecurrency,youmuststillsetuponecreditusagerule.
UsageExamplesExample1Themosttypicalusagewillbeasfollows:7-2OracleCreditManagementUserGuideSetuponecreditusagerulesetwithamaincurrency,suchasUSD,andattachthecurrenciesthatyouneed,suchasUSDandCAD.
Inthiscase,thecreditapplicationcurrencycanbeeitherUSDorCAD.
CreditlimitcurrencyisexpressedonlyinUSD.
IfyouenteraCADcreditapplication,thenalltransactionsinbothCADandUSDareincludedindatapointcalculations.
DatapointsareautomaticallyconvertedtoUSD.
ThecreditrecommendationisexpressedinUSD.
Example2Perhapsyouwouldliketomaintaintwodifferentcreditpoliciesforasinglecustomer,basedonterritory.
Inthiscase,creditusagerulesletyousetuptwodifferentcreditpoliciesandhavetwodifferentcreditlimits.
Toaccomplishthis:Setuponecreditusagerulesetwithamaincurrency,suchasUSD,andattachUSDandCAD.
Setupanothercreditusagerulesetwithamaincurrency,suchasEUR,andattachEUR,CHF,andSEK.
Let'ssayanorderholdoccursonanorderinSEK.
TheresultingcurrencyonthecreditapplicationisSEK.
Duetothecreditusagerules,CreditManagementselectstransactionsinEUR,CHF,andSEK.
DatapointsareautomaticallyconvertedtoEUR.
ThecreditrecommendationisexpressedinEUR.
Note:Thepreviousexamplealsoappliesinthecasewhereaparticularcurrencyfluctuatestoagreatextent.
Insuchacase,forthepurposesofacreditreview,youshouldisolatethatcurrency'stransactionsfromtherestofyourcustomer'stransactions.
Otherwise,whatmightbeahighcreditscoreononedaycouldbedrasticallyloweronanotherday,simplyduetotheonefluctuatingcurrency.
Afteryousetupcreditusagerulesets,youthenassigntherulesettoacreditprofileclass,whichyoucanfinallyassigndirectlytoacustomer.
CreditUsageRuleSetupDuringsetup,confirmthatcreditusagerulesetsareproperlydefinedandassignedtoyourcustomers:AdditionalImplementationConsiderations7-31.
Confirmexistingcreditusagerulesets,ordefinenewones,intheDefineCreditUsageRuleswindow.
2.
Then,usetheAssignCreditUsageRuleswindowtoassignacreditusagerulesetorsetstoeachcombinationofcustomerandcurrency,asnecessary.
Thecurrenciesdefaultfromtheprofileamountsintheassignedcustomerprofileclass.
Note:Creditusagerulesaremutuallyexclusiveforacustomer.
Forexample,ifyouassigncreditusageruleA(USDandCAD)toUSD,thenyoucannotalsoassignthesamecreditusageruletoCAD.
3.
Assignthesamecreditusagerulesetstothecustomer'ssitesifyouplantocreatecreditapplicationsforindividualcustomersites.
Otherwise,acasefoldermightnotbegeneratedwhenyousubmitacreditapplicationforthesite.
See:DefiningCreditUsageRuleSets,OracleOrderManagementImplementationManualandAssigningCreditUsageRuleSets,OracleOrderManagementImplementationManual.
RelatedTopicsOverviewofOracleCreditManagementSetup,page3-1DefiningCreditHierarchiesToprovideglobalcreditlimitsthataresharedbysomeorallentitieswithinacomplex,multinationalorganization,youcandefinecreditrelationshipsbetweenpartiesusingOracleTradingCommunityArchitectureRelationshipManager.
RelationshipManagerletsyoueasilybuild,view,andeditrelationshipsbetweenentities.
UsingRelationshipManager,youcan:ViewasinglepartyandallitsrelationshipsCreatenewrelationshipsandeditexistingrelationshipsFocusonaparticularportionofahierarchyandeditthehierarchicalstructureYoucandefineacredithierarchyofparties,partyrelationships,hierarchylevels,accounts,andaccountsites.
Typically,thepartyobjectandpartysubjectinacreditrelationshiprepresentaparentandchild,orHQanddivisionhierarchy.
Foreachentityinthehierarchy,youcanviewcreditinformation,suchascreditholdstatus,creditlimitsbycurrency,andcreditreviewcycle.
UsingRelationshipManager,youassigntoyourentitiesanexistingrelationshiptype,suchasGlobalUltimate,oryourownuser-definedCreditManagementrelationshiptype.
YouthenlinktherelationshipstoCreditManagementbyassigningthe7-4OracleCreditManagementUserGuiderelationshiptypetotheAR:CreditHierarchyTypeprofileoption.
Whenyouconductacreditreviewforanentitythathashierarchicalrelationships,CreditManagementconsolidatesanddisplaysalldatafortheentirehierarchy.
RelatedTopicsProfileOptionsandProfileOptionCategoriesOverview,pageA-1OverviewofOracleCreditManagementSetup,page3-1RelationshipManagerOverview,OracleTradingCommunityArchitectureUserGuideOracleCreditManagementProfileOptionsandProfileOptionCategoriesA-1AOracleCreditManagementProfileOptionsandProfileOptionCategoriesThisappendixdescribessettingprofileoptionsforOracleCreditManagement.
Thisappendixcoversthefollowingtopics:ProfileOptionsandProfileOptionCategoriesOverviewProfileOptionCategoryandProfileOptionsDescriptionsProfileOptionsandProfileOptionCategoriesOverviewDuringimplementation,setavalueforeachOracleCreditManagementprofileoptiontospecifyhowCreditManagementcontrolsaccesstoandprocessesdata.
See:SettingUserProfileOptions,OracleApplicationsSystemAdministrator'sGuide-MaintenanceProfileoptionsaregroupedintooneormoreprofileoptioncategoriesenablingyoutoviewonlytheprofileoptionsthatpertaintoyourapplicationorfunction.
CreditManagementCategoriesCreditPoliciesManagement,pageA-2CreditManagementProfileOptionsAR:Allowsummarytablerefresh,pageA-3AR:CreditHierarchyType,pageA-3AR:DefaultCreditManagementCurrency,pageA-3ProfileOptionCategoryandProfileOptionsDescriptionsThissectiondescribesprofileoptionsbycategory.
A-2OracleCreditManagementUserGuideThetablesinthissectionprovideprofileoptioninformationasfollows:TheDefaultcolumndisplayseitherthedefaultprofileoptionvalueinitalics,orNoDefaultifnoneexists.
TheUserAccesscolumnindicateswhetheryoucanvieworupdatetheprofileoption.
TheSystemAdministration:Site,Application,Responsibility,andUsercolumnsindicateatwhichlevelsthesystemadministratorcanupdatetheseprofileoptions.
Thekeyforeachtableis:Update:Youcanupdatetheprofileoption.
ViewOnly:Youcanviewtheprofileoptionbutcannotchangeit.
NoAccess:Youcannotvieworchangetheprofileoption.
CreditPoliciesManagementCategoryThetablebelowliststheprofileoptionsthataffectcreditpolicymanagement.
CreditPoliciesManagementProfileOptionDefaultUserAccessSystemAdministration:SiteSystemAdministration:ApplicationSystemAdministration:ResponsibilitySystemAdministration:UserAR:Allowsummarytablerefresh,pageA-3NoDefaultUpdateViewOnlyViewOnlyUpdateViewOnlyAR:CreditHierarchyType,pageA-3NoDefaultUpdateUpdateUpdateUpdateUpdateAR:DefaultCreditManagementCurrency,pageA-3NoDefaultUpdateUpdateNoAccessNoAccessUpdateOracleCreditManagementProfileOptionsandProfileOptionCategoriesA-3AR:AllowsummarytablerefreshSetthisprofileoptiontoYesifyouwanttoallowthedatacontainedwithinthetransactionsummaryandbalancetablestobeinitializedorreset.
AftersettingthisprofileoptiontoYes,runtheCreditManagementRefreshARTransactionsSummaryTablesconcurrentprogramfromtheSubmitRequestswindow.
See:PopulatingTransactionData,page2-4.
AftertheRefreshARTransactionsSummaryTablesconcurrentprogrampopulatesthesummarytables,theprofileoptionisautomaticallyresettoNo.
Ifyoueverwanttoresetthedatainthesummarytablesinthefuture,thensetthisprofileoptionbacktoYes.
Usethisprofileoptionforaddedsecuritytoensurethatthesummarytablesarerefreshedonlywhennecessary.
Thisprofileoptioncanbesetbythesystemadministratororuserattheapplicationlevelonly.
AR:CreditHierarchyTypeIfcustomerrelationshipsdefinedinOracleTradingCommunityArchitectureRelationshipManagerareusedforCreditManagement,thenyoumustsettheAR:CreditHierarchyTypeprofileoptiontotherelationshiptypethatyouareusinginCreditManagement.
Thisprofileoptionisusedfordetermingthepartyrelationshiphierarchywhengeneratingthecasefolder.
Thisprofileoptioncanbesetbythesystemadministratoratthesite,application,andresponsibilitylevelsbutcannotbeupdatedbytheuser.
See:DefiningCreditHierarchies,page7-3.
AR:DefaultCreditManagementCurrencyIfyoutypicallyuseonecurrencywhenenteringnewcreditapplications,settheAR:DefaultCreditManagementCurrencyprofileoptiontoautomaticallydefaultthecurrencyforeachnewcreditapplication.
Thisprofileoptioncanbesetbythesystemadministratorattheuserandsitelevels,andcanalsobeupdatedbytheuser.
CreditManagementApplicationWorkflowB-1BCreditManagementApplicationWorkflowThisappendixdescribestheworkflowinOracleCreditManagement.
Thisappendixcoversthefollowingtopics:CreditManagementApplicationWorkflowCreditManagementApplicationWorkflowTheCreditManagementApplicationworkflowmanagestheprocessflowofgatheringandanalyzingaccountorprospectcreditdata,andmakingandimplementingcreditdecisions.
Theworkflowalwaysattemptstoautomaticallymakeandimplementcreditdecisionswithoutuserintervention.
Iftheworkflowstopsduetoconditionssuchasmissingdata,thentheworkflowroutesnotificationstotheappropriatecreditanalystforresolution.
Ifacreditanalystwasneverassignedbecausethecreditreviewwasautomated,thentheworkflowassignsthecreditreviewtotheappropriatecreditanalyst.
Ifacreditanalystcannotbeidentified,thentheworkflownotifiesthepersonassignedtotheCreditSchedulerrolethatacreditanalystassignmentisrequired.
TheCreditSchedulerisaroleusedinCreditManagementtoassigncredittaskstocreditanalysts.
Todetermineifcreditrecommendationsrequireapproval,theworkflowcheckstheautomationrulesthatyoupreviouslydefined.
Ifapprovalisrequired,thentheworkflowusestheapprovalrulesthatyoudefinedinOracleApprovalsManagement(AME).
OracleApprovalsManagementisaself-serviceWebapplicationthatyoucanusetodefinebusinessrulesthatgovernwhomustapprovetransactionsinotherOracleapplications.
Onceyoudefinetherulesforagivenapplication,theOracleApprovalsManagementrulesenginemanagestheapprovalsforthatapplication'stransactions.
See:OracleApprovalsManagementImplementationGuide.
B-2OracleCreditManagementUserGuideIftherecommendationisapprovedbytheappropriatepersonnel,thentheworkflowautomaticallyimplementsthedecisionandclosesthecasefolder.
Iftherecommendationisrejectedasitisroutedthroughtheapprovalhierarchy,thentheworkflowsendsnotificationstotheappropriatepersonnelandclosesthecasefolder.
Thissectiondescribestheunmodifiedworkflowprogram.
RelatedTopicsSettingUptheCreditManagementApplicationWorkflow,pageB-2CreditManagementApplicationWorkflowMainProcessActivities,pageB-3ProcessingCreditReviews,page4-1SettingUptheCreditManagementApplicationWorkflowTosetuptheCreditManagementApplicationworkflow:1.
InstallandsetupOracleApprovalsManagement(AME).
InAME,youdefinetherulesthatOracleCreditManagementshouldusetodeterminewhotheappropriateapproversareforacreditdecision.
IfyouuseHRhierarchiestogenerateyourlistsofapproversinAME,thenyouneedtoprovidelogicsoAMEcanidentifythestartingapprover.
ForCreditManagement,thestartingapproverisalwaysthecreditanalyst'ssupervisor.
ForinformationondefiningrulesinAME,see:OracleApprovalsManagementImplementationGuide.
2.
InstalltheOracleWorkflowBuilderclientcomponentprogramifyouwanttomodifytheCreditManagementApplicationWorkflow.
Formoreinformationonworkflowinstallations,see:OverviewofSettingUp,OracleWorkflowAdministrator'sGuide.
3.
SetupOracleWorkflowNotificationMailer.
YoucansetupNotificationMailersotheCreditManagementApplicationWorkflowcanusee-mail,andyoursystemadministratorcangrantapproversaccesstoviewnotificationsfromtheOracleWorkflowNotificationWorklistwebpage.
See:SettingUpNotificationMailers,OracleWorkflowAdministrator'sGuide.
4.
(Optional)CompleteadditionalOracleWorkflowsetupsteps.
CreditManagementdoesnotspecifyatimeoutvaluefornotificationresponses.
CreditManagementApplicationWorkflowB-3Specifyatimeoutvalueifyouwanttosetthetimeperiodinwhichanapproverneedstorespondbeforesendingaremindernotification,orescalatingtherequesttotheapprover'smanager.
5.
(Optional)ModifytheCreditManagementApplicationWorkflow.
Forexample,youcanmodifythemessagetextthatappearsonyournotifications.
6.
SetupadesignatedpersonwhoreceivesnotificationofworkflowerrorsthroughtheOracleWorkflowDefaultErrorProcess.
Forexample,thepersonwhoreceivesAMEerrornotificationscouldalsoreceiveOracleWorkflowprocesserrornotifications.
7.
FromtheSubmitRequestwindowusingtheSystemAdministrator'sresponsibility,scheduletheWorkflowBackgroundProcessconcurrentprogramtorunonaregularbasis:ChoosetheARCreditManagementApplicationProcessitemtype.
IntheProcessDeferredfield,enterYes.
IntheProcessTimeoutfield,enterNo.
TheWorkflowBackgroundProcesslaunchestheCreditManagementApplicationWorkflow.
Ifyouschedulethisprocesstorunmorefrequently,thenuponthesubmissionofcreditapplications,theresultingcasefolderswillbecreatedmorequickly.
See:ToScheduleBackgroundEngines,OracleWorkflowAdministrator'sGuide.
RelatedTopicsCreditManagementApplicationWorkflow,pageB-1CreditManagementApplicationWorkflowMainProcessActivities,pageB-3ProcessingCreditReviews,page4-1CreditManagementApplicationWorkflowMainProcessActivitiesThissectionprovidesadescriptionofeachactivityinthemainprocess,listedbytheactivity'sdisplayname.
ReceiveCreditRequest(Node1)Whenacreditrequestisgenerated,eitherbythesubmissionofacreditapplicationorbytheCreditRequestAPI,theworkflowstarts.
TheworkflowcontinuestoNode2.
B-4OracleCreditManagementUserGuideCreateCaseFolder(Node2)Thisfunctioncreatesthecasefolder,whichstoresallanalysisdataandrecommendation(s)forthecreditreview,whethertheanalysisisperformedautomaticallyorbyacreditanalyst.
TheworkflowcontinuestoNode3.
CheckAutomation(Node3)Thisfunctionchecksfortheexistenceofautomationrulesbaseduponthecombinationofcreditreviewtypeandcustomercreditclassification:Ifautomationrulesdonotexist,thentheworkflowroutesthecreditreviewtothecreditanalystformanualintervention.
ThisfunctionthencallstheManualSubprocess.
See:ManualSubprocess,pageB-6.
Ifautomationrulesexist,thentherulevalidationsareexecuted,leadingtorecommendations.
ThisfunctionthencallstheAutomationSubprocess.
See:AutomationSubprocess,pageB-6.
SendRecommendationforApproval(Node4)ThisfunctioncallstheApprovalsubprocesstosendarecommendation,eitherfromacreditanalystorautomaticallygenerated,forapproval.
See:ApprovalSubprocess,pageB-7.
ImplementRecommendation(Node5)Arecommendationhastwosources:Acreditanalystcansubmitarecommendationafterperformingthecreditanalysis.
TheworkflowcontinuestoNode6.
TheAutomationEnginecangeneratearecommendation(s)baseduponyourautomationrules.
TheworkflowcontinuestoNode7.
CreditManagementprovidesthefollowingrecommendationsthatcanbeimplementedwithoutuserintervention:1.
RemoveOrderfromHold2.
AdjustCreditLimitCreditManagementcanincreaseordecreaseacreditlimit,basedontheoutcomeofCreditManagementApplicationWorkflowB-5thereview.
3.
SetupCreditLimitCreditManagementcanassignanewcreditlimittotheaccountorprospect.
4.
PutAccountonCreditHoldCreditManagementusesthisrecommendationiftheoutcomeofthecreditreviewindicatesthattoomuchriskisassociatedwiththeaccount.
Thisrecommendationpreventstheacceptanceofadditionalorders.
InformCreditAnalyst(Node6)ThisfunctionsendsanotificationtothecreditanalystiftheImplementRecommendationfunctionfailsforanyreason.
Thatfunctioncouldfailif,forexample,theordertobereleasedfromholddoesnotexist,orifacreditlimitalreadyexistsforanaccountthatyouaregrantinganewcreditlimitto.
TheworkflowcontinuestoNode8.
InformSysadmin(Node7)ThisfunctionsendsanotificationtothesystemadministratoriftheImplementRecommendationfunctionfailsforanyreason.
Thatfunctioncouldfailif,forexample,theordertobereleasedfromholddoesnotexist,orifacreditlimitalreadyexistsforanaccountthatyouaregrantinganewcreditlimitto.
TheworkflowcontinuestoNode8.
RetryRecommendation(Node8)Ifthesourceofthefailureisdeterminedandcorrected,thenthisfunctionallowsthecreditanalystorsystemadministratortoresubmittherecommendationforimplementation.
Iftheresubmissionissuccessful,thenaSuccessnotificationissenttoeitherthecreditanalystorthesystemadministrator.
TheworkflowsuccessfullyendsatNode9.
RelatedTopicsCreditManagementApplicationWorkflow,pageB-1ManualSubprocess,pageB-6AutomationSubprocess,pageB-6B-6OracleCreditManagementUserGuideApprovalSubprocess,pageB-7ProcessingCreditReviews,page4-1ManualSubprocessCheckforCreditAnalyst(Node1)Thisfunctioncheckswhetheracreditanalystwasassignedtothecreditapplication.
Iftheworkflowcanidentifyacreditanalyst,thentheworkflowcontinuestoNode3.
Ifnot,thentheworkflowcontinuestoNode2.
NotifytheCreditSchedulerRole(Node2)ThisfunctionsendsanotificationtotheCreditSchedulerrole,iftheworkflowcannotidentifyacreditanalystforassignmenttothecreditreview.
TheworkflowcontinuestoNode3.
NotifyCreditAnalyst(Node3)Thisfunctionsendsanassignmentnotificationtotheassignedcreditanalyst.
TheworkflowcontinuestoNode4.
PerformAnalysis(Node4)Oncethecreditanalystisnotified,thecreditanalystconductsamanualanalysisusingthecasefolder.
TheworkflowcontinuestoNode4,SendRecommendationforApproval,listedintheMainProcessActivitiessection.
See:CreditManagementApplicationWorkflowMainProcessActivities,pageB-3.
RelatedTopicsCreditManagementApplicationWorkflow,pageB-1ProcessingCreditReviews,page4-1AutomationSubprocessBuildChecklist&GatherData(Node1)Thisfunctionselectsthedatapointsandvaluesontheassociatedchecklist,accordingtothecreditreviewtypeandcreditclassificationcombination,andstorestheresultsinthecasefolder.
TheworkflowcontinuestoNode2.
CreditManagementApplicationWorkflowB-7CalculateScore(Node2)Thisfunctioncallsthescoringenginetocalculatethecreditscore.
TheworkflowcontinuestoNode3.
Ifnocreditscoringmodelexistsfortheassociatedchecklist,orifascoringmodelexistsbutdatapointsaremissing,thentheworkflowroutesthisfunctiontoacreditanalystforfurtherprocessing.
ThisfunctioncallstheManualSubprocess.
See:ManualSubprocess,pageB-6.
Amanualcreditanalysisdoesnotrequireacreditscoringmodel.
RecommendationGeneration(Node3)Thisfunctiongeneratesarecommendation(s)basedupontheautomationrules.
Forexample,anautomationruleindicatesthatacalculatedcreditscoreof75hasacreditlimitof$100,000USD.
CreditManagementwillassignacreditlimitof$100,000USDtotheaccountifacreditlimitdoesnotyetexist,orwillupdatetheexistingUSDcreditlimitto$100,000.
TheworkflowcontinuestoNode4,SendRecommendationforApproval,listedintheMainProcessActivitiessection.
See:CreditManagementApplicationWorkflowMainProcessActivities,pageB-3.
RelatedTopicsCreditManagementApplicationWorkflow,pageB-1ProcessingCreditReviews,page4-1ApprovalSubprocessApprovalEngine(Node1)ThisfunctioncallstheApprovalsManagementEngine(AME)androutestherecommendationthroughtheapprovalhierarchy.
Forinformationonhowtosetuptheapprovalhierarchy,see:OracleApprovalsManagementImplementationGuide.
Ifapprovalisnotrequired,thentheworkflowcontinuestoNode2.
Ifapprovalisrequired,thenacallismadetotheApprovalsEngineforrouting:Ifapprovalisgranted,thentheworkflowcontinuestoNode2.
Ifapprovalisdenied,thenthisfunctioncallstheManualSubprocess.
See:ManualSubprocess,pageB-6.
B-8OracleCreditManagementUserGuideUpdateCaseFolderwithApprovalStatus(Node2)Thisfunctionupdatesthecasefolderwiththestatusoftheapprovalrequest:Ifrejected,thentheworkflowdoesnotimplementtherecommendation.
Theworkflowupdatesthecasefolderwiththerejectionreason,comments,andthepersonwhorejectedtherecommendation.
TheworkflowalsoupdatesthestatusofthecasefoldertoClosed.
Ifapproved,thentheworkflowautomaticallyimplementstherecommendationandupdatesthecasefolder.
Theworkflowalsosendsnotificationstointerestedpartieswhenarecommendationisapprovedorrejected.
Forexample,theworkflowcansendanappropriatenotificationtotherequestoroftheoriginalcreditapplication,ifpossible.
TheworkflowsuccessfullyendsatNode3.
RelatedTopicsCreditManagementApplicationWorkflow,pageB-1ProcessingCreditReviews,page4-1CreditRequestBusinessEventsC-1CCreditRequestBusinessEventsThisappendixdescribesbusinesseventsthatyoucanusewithOracleCreditManagement.
Thisappendixcoversthefollowingtopics:CreditRequestBusinessEventsCreditRequestEventsCreditRequestBusinessEventsOracleCreditManagementleveragestheBusinessEventsSystemavailableinOracleWorkflowRelease2.
6tocreatebusinesseventsduringthelifecycleofacreditrequest.
Thisletscustomers/consumerproductsperformcustomprocessing.
Note:CreditrequesteventsareraisedbytheCreditRequestprocessingworkflowengine;usersshouldnotmanuallyraisethem.
SetupTheEventSubscription1.
LogontoOracleApplicationswiththeSystemAdministratorresponsibility.
2.
NavigateWorkflow>AddsubscriptiontoEvent.
3.
EveryCreditRequesteventfollowsthesamenamingconvention:"oracle.
apps.
ar.
cmgt.
CreditRequest.
"Forexample,ifyouwanttosubscribeyourbusinessprocess(suchascustomrecommendations)totheimplementationofthedefaultrecommendationsforacreditrequest,thenyoushouldsubscribeyourroutineorcustomprogram(alsoknownastheC-2OracleCreditManagementUserGuiderulefunction)totheoracle.
apps.
ar.
cmgt.
CreditRequest.
Recommendation.
implementevent.
DeferredSubscriptionsTheWorkflowRelease2.
6BusinessEventSystemallowssubscriptionstobeexecutedindeferredmodesothatnooverheadisaddedtotheprocessraisingtheevent.
ForCreditRequestbusinessevents,itisrecommendedthatusersubscriptionsbeexecutedinthedeferredmode.
Oneofthemechanismstodeferasubscriptionwouldbebysettingthephasenumberofauser-definedsubscriptiontogreaterthan99.
Foradditionaldetailsondifferentmechanismsfordeferringasubscription,see:EventSubscriptions,OracleWorkflowDeveloper'sGuide.
Whenthecreditrequestprocessingflowraisesaneventforadeferredsubscription,theeventmessageissenttothedeferredqueue.
Subscriptionswillbeexecutedwhenthe"WorkflowAgentListener"withtheparameter"WF_DEFERRED"isexecuted.
Whenthisconcurrentprogramisexecuted,everysubscriptionfromeveryinstanceofeventsintheDEFERREDqueueatthatmomentwillbeexecuted.
ThisconcurrentprogramisseededintherequestgroupoftheSystemAdministratorresponsibility.
CodingaSubscriptionHowtosubscribePerOracleWorkflowcodingstandards,twokindsofsubscriptionsexistforuse:OracleWorkflowRelease2.
6rulefunction(whichisaPL/SQLfunction)WorkflowprocessesForinformationaboutthestandardsfortheeventsubscriptionrulefunction,see:StandardAPIforanEventSubscriptionRuleFunction,OracleWorkflowDeveloper'sGuide.
TheparametersprovidedbyeventsOracleWorkflowusestheobjecttypeWF_EVENT_Ttostoreeventmessages.
WF_EVENT_TdefinestheeventmessagestructurethattheBusinessEventSystemandtheWorkflowEngineusetorepresentabusinessevent.
FormoreinformationaboutthisEventMessagestructure,see:EventMessageStructure,OracleWorkflowAPIReference.
Aspartoftheeventmessage,theraisedeventcanpassanumberofparameterstothesubscriptionrulefunctioninanamedvaryingarrayWF_PARAMETER_LIST_T.
TheCreditRequestBusinessEventsC-3creditrequesteventpasses13parameters,listedinthefollowingtable:ParameterNameDescriptionCREDIT_REQUEST_IDTheuniqueidentifierofthecreditrequestUSER_IDTheuserIDoftheinitialsessionthathadinitiatedthecreditrequestRESP_IDTheresponsibilityIDoftheinitialsessionthathadinitiatedthecreditrequestRESP_APPL_IDTheapplicationresponsibilityIDoftheinitialsessionthathadinitiatedthecreditrequestSECURITY_GROUP_IDThesecuritygroupIDoftheinitialsessionthathadinitiatedthecreditrequestORG_IDTheOperatingUnitIDoftheinitialsessionthathadinitiatedthecreditrequestSOURCE_NAMEThesourcenameonthecreditrequest,whichisusedtoidentifythesourceproductthatinitiatedthecreditrequestSOURCE_COLUMN1TheuniqueidentifieroftheentityforwhichthecreditrequestwascreatedSOURCE_COLUMN2TheuniqueidentifieroftheentityforwhichthecreditrequestwascreatedSOURCE_COLUMN3TheuniqueidentifieroftheentityforwhichthecreditrequestwascreatedTheorg_id,user_id,resp_id,resp_appl_id,andsecurity_group_idparametersletusersre-createtheapplicationenvironmentatthemomentthecreditrequestwasraised.
Thisisusefulifyourbusinesslogicdependsonsomeapplicationcontextparameters,suchasforamulti-organizationenvironment.
YoucanuseFND_GLOBAL.
APPS_INITIALIZE(,,,)tore-createtheoriginalapplicationcontextinyourprocess.
ExampleofaPL/SQLrulefunctionsubscriptionForexample,foraparticularrequirement,consumerproductsinOracleeBusinessSuiteC-4OracleCreditManagementUserGuideneedtoimplementtheircustomrecommendationsaftertheCreditRequestworkflowhasimplementeditsownrecommendationsforaparticularcreditrequest.
Hereisoneexampleofrulefunction.
IfthefollowingrulefunctionissubscribedtoCreditRequestevent:"oracle.
apps.
ar.
cmgt.
CreditRequest.
Reccomendation.
implement":FUNCTIONRule_Credit_Recco_Impl(p_subscription_guidinraw,p_eventinoutwf_event_t)RETURNVARCHAR2ISl_keyvarchar2(240):=p_event.
GetEventKey();.
.
.
.
BEGINl_org_id:=p_event.
GetValueForParameter('ORG_ID');l_user_id:=p_event.
GetValueForParameter('USER_ID');l_resp_id:=p_event.
GetValueForParameter('RESP_ID');l_resp_appl_id:=p_event.
GetValueForParameter('RESP_APPL_ID');l_security_group_id:=p_event.
GetValueForParameter('SECURITY_GROUP_ID');l_credit_request_id:=p_event.
GetValueForParameter('CREDIT_REQUEST_ID');l_source_name:=p_event.
GetValueForParameter('SOURCE_NAME');l_source_column1:=p_event.
GetValueForParameter('SOURCE_COLUMN1');l_source_column2:=p_event.
GetValueForParameter('SOURCE_COLUMN2');l_source_column3:=p_event.
GetValueForParameter('SOURCE_COLUMN3');l_party_id:=p_event.
GetValueForParameter('PARTY_ID');l_cust_account_id:=p_event.
GetValueForParameter('CUST_ACCOUNT_ID');l_cust_acct_site_id:=p_event.
GetValueForParameter('CUST_ACCT_SITE_ID');fnd_global.
apps_initialize(l_user_id,l_resp_id,l_resp_appl_id,l_security_group_id);----Implementcustomrecommendations.
--END;CreditRequestEventsCreditRequesteventsfollowthisnamingpattern:oracle.
apps.
ar.
cmgt.
CreditRequest.
.
.
Thisnamecontainsthreeparts:1.
oracle.
apps.
ar.
cmgt.
CreditRequestmeansthattheeventbelongstoCreditRequestentityintheCreditManagementapplication.
2.
indicatesthecurrentstageinthelifecycleofacreditrequestinwhichanactionisgoingtobeperformed.
3.
indicatestheactionperformedinthecurrentphaseofthecreditrequest.
Thistableliststhepossiblephasesandactions.
CreditRequestBusinessEventsC-5CreditRequestPhaseActionDescriptionIDParameterNameAutomationFailureFailureofanautomatedcreditrequestprocessingbecauseofnon-availabilityoftherequireddata-pointsonthechecklistorthescoringmodel.
CREDIT_REQUEST_IDRecommendationImplementImplementationoftherecommendations,comingoutoftheanalysisperformedonthecreditrequest.
CREDIT_REQUEST_IDOracleCreditManagementDataPointsD-1DOracleCreditManagementDataPointsThisappendixdescribestheseededdatapointsinOracleCreditManagement.
Thisappendixcoversthefollowingtopics:OracleCreditManagementDataPointsBusinessInformationandCreditDataPointsFinancialDataDataPointsReferencesDataPointsGuarantorsDataPointsVentureFundingDataPointsCollateralDataPointsBillingandPaymentsDataPointsAgingDataPointsOracleCreditManagementDataPointsThisappendixincludesalistoftheseededdatapointsthatOracleCreditManagementprovides:BusinessInformationandCredit,pageD-2FinancialData,pageD-4References,pageD-8Guarantors,pageD-12VentureFunding,pageD-12Collateral,pageD-14D-2OracleCreditManagementUserGuideBillingandPayments,pageD-15Aging,pageD-21BusinessInformationandCreditDataPointsThistableincludestheBusinessInformationandCreditdatapoints.
ThedatapointcategoryisCredit.
DataPointScorableChecklistSetupSourceTableSourceColumnUser-entered,Automatic,orD&BIfAutomatic,Time-SensitiveTransactionCreditLimitYesNohz_credit_profile_amountstrx_credit_limitAutomaticNoOverallCreditLimitYesNohz_credit_profile_amountsoverall_credit_limitAutomaticNoTaxNameNoYeshz_partiestax_nameAutomaticNoBusinessEntityTypeNoYesar_lookupslookup_codeUser-enteredYearEstablishedNoYeshz_partiesyear_establishedAutomaticNoIndustrialCodeNoYeshz_partiessic_code_typeAutomaticNoIndustrialCodeNumberNoYeshz_partiessic_codeAutomaticNoBondRatingNoYesar_cmgt_credit_requestsbond_ratingUser-enteredCountofPendingLitigationsYesYesar_cmgt_credit_requestspending_litigation_countUser-enteredStockSymbolNoYesar_cmgt_credit_requestsUser-enteredOracleCreditManagementDataPointsD-3DataPointScorableChecklistSetupSourceTableSourceColumnUser-entered,Automatic,orD&BIfAutomatic,Time-SensitiveStockExchangeNoYesar_cmgt_credit_requestsstock_exchangeUser-enteredCurrentStockPriceNoYesar_cmgt_credit_requestsUser-enteredMarketCapitalizationYesYesar_cmgt_credit_requestsUser-enteredURLNoYeshz_partiesurlAutomaticNoNumberofEmployeesYesYeshz_partiesemployees_totalAutomaticNoOrderAmountOnCreditHoldYesYesOM_APIHighCreditAmountYesYesar_trx_summaryop_bal_high_water_markAutomaticYesHighCreditDateNoYesar_trx_summaryop_bal_high_water-mark_dateAutomaticYesLastCreditReviewDateNoYesar_cmgt_case_foldersAutomaticNoLastCalculatedCreditScoreYesYesar_cmgt_case_foldersAutomaticNoLastCaseFolderNoYesar_cmgt_case_foldersAutomaticNoLastChecklistUsedNoYesar_cmgt_case_foldersAutomaticNoRequestedAmountYesNoar_cmgt_case_foldersUser-enteredD-4OracleCreditManagementUserGuideDataPointScorableChecklistSetupSourceTableSourceColumnUser-entered,Automatic,orD&BIfAutomatic,Time-SensitiveCurrentReceivablesBalanceYesDonear_trx_bal_summaryOP_INVOICE_VALUE+OP_DEBIT_MEMOS_VALUE+OP_BILLS_RECEIVABLES_VALUE+OP_CHARGEBACK_VALUE+OPEN_CREDIT_MEMOS_VALUE+UNRESOLVED_CASH_VALUEAutomaticNoVATRegistrationNumberNoYesRelatedTopicsOracleCreditManagementDataPoints,pageD-1FinancialDataDataPointsThistableincludestheFinancialDatadatapoints.
ThedatapointcategoryisCredit.
Alldatapointsareuser-enteredandnonearetime-sensitive.
DataPointScorableChecklistSetupSourceTableSourceColumnReportingCurrencyNoYesAR_CMGT_FINANCIAL_DATAreporting_currencyMonetaryUnitNoYesAR_CMGT_FINANCIAL_DATAmonetary_unitOracleCreditManagementDataPointsD-5DataPointScorableChecklistSetupSourceTableSourceColumnFinancialStatementDateNoYesAR_CMGT_FINANCIAL_DATAcurr_fin_st_dateReportingPeriodNoYesAR_CMGT_FINANCIAL_DATAreporting_periodCashYesYesAR_CMGT_FINANCIAL_DATAcashNetReceivablesYesYesAR_CMGT_FINANCIAL_DATAnet_receivablesInventoriesYesYesAR_CMGT_FINANCIAL_DATAinventoriesOtherCurrentAssetsYesYesAR_CMGT_FINANCIAL_DATAother_curr_assetsTotalCurrentAssetsYesYesAR_CMGT_FINANCIAL_DATAtotal_cur_assetsNetFixedAssetsYesYesAR_CMGT_FINANCIAL_DATAnet_fixed_assetsShort-TermInvestmentsNoNoIntangibleAssetsNoNoGoodwillNoNoRetainedEarningsNoNoCommonStockNoNoPreferredStockNoNoOtherNoncurrentAssetsYesYesAR_CMGT_FINANCIAL_DATAother_non_cur_assetsD-6OracleCreditManagementUserGuideDataPointScorableChecklistSetupSourceTableSourceColumnTotalAssetsYesYesAR_CMGT_FINANCIAL_DATAtotal_assetsAccountsPayableYesYesAR_CMGT_FINANCIAL_DATAaccounts_payableShort-TermDebtYesYesAR_CMGT_FINANCIAL_DATAshort_term_debtOtherCurrentLiabilitiesYesYesAR_CMGT_FINANCIAL_DATAother_cur_liabilitiesTotalCurrentLiabilitiesYesYesAR_CMGT_FINANCIAL_DATAtotal_cur_liabilitiesLong-TermDebtYesYesAR_CMGT_FINANCIAL_DATAlong_term_debtOtherNoncurrentLiabilitiesYesYesAR_CMGT_FINANCIAL_DATAother_non_cur_liabilitiesTotalLiabilitiesYesYesAR_CMGT_FINANCIAL_DATAtotal_liabilitiesStockholder'sEquityYesYesAR_CMGT_FINANCIAL_DATAstockholder_equityTotalLiabilitiesandEquityYesYesAR_CMGT_FINANCIAL_DATAtotal_liabilities_equityRevenueYesYesAR_CMGT_FINANCIAL_DATArevenueCostofGoodsSoldYesYesAR_CMGT_FINANCIAL_DATAcost_of_goods_soldGeneral&AdministrativeExpenseYesYesAR_CMGT_FINANCIAL_DATAsga_expensesOperatingIncomeYesYesAR_CMGT_FINANCIAL_DATAoperating_incomeOracleCreditManagementDataPointsD-7DataPointScorableChecklistSetupSourceTableSourceColumnOperatingMarginYesYesAR_CMGT_FINANCIAL_DATAoperating_marginNonoperatingIncomeYesYesAR_CMGT_FINANCIAL_DATAnon_operating_incomeNonoperatingExpensesYesYesAR_CMGT_FINANCIAL_DATAnon_operating_expensesIncomeBeforeTaxesYesYesAR_CMGT_FINANCIAL_DATApre_tax_net_incomeIncomeTaxesYesYesAR_CMGT_FINANCIAL_DATAincome_taxesNetIncomeYesYesAR_CMGT_FINANCIAL_DATAnet_incomeEarningsPerShareYesYesAR_CMGT_FINANCIAL_DATAearnings_per_shareDepreciationExpenseNoNoAmortizationExpenseNoNoExtraordinaryGainsNoNoExtraordinaryLossesNoNoInterestIncomeNoNoInterestExpenseNoNoDividendsNoNoCashFlowfromOperationsNoNoCurrentRatioNoNoD-8OracleCreditManagementUserGuideDataPointScorableChecklistSetupSourceTableSourceColumnQuickRatioNoNoNetworkingcapitalNoNoGrossProfitNoNoOperatingProfitNoNoProfitMarginNoNoRelatedTopicsOracleCreditManagementDataPoints,pageD-1ReferencesDataPointsThistableincludestheReferencesdatapoints.
ThedatapointcategoryisReference.
Alldatapointsareuser-enteredandnonearetime-sensitive.
DataPointScorableChecklistSetupNumberofBankReferencesNoYesNumberofTradeReferencesNoYesGuarantorsNoYesVentureFundingNoYesCollateralNoYesBankReferencesDataPointsThistableincludestheBankReferencesdatapoints.
ThedatapointcategoryisReferenceandalldatapointsaredisplayedinthecasefolder.
Alldatapointsareuser-enteredandnonearetime-sensitive.
OracleCreditManagementDataPointsD-9DataPointScorableChecklistSetupSourceTableSourceColumnBankNameNoYesar_cmgt_bank_ref_databank_nameBankAddressNoYesar_cmgt_bank_ref_dataaddressCityNoYesar_cmgt_bank_ref_datacityStateNoYesar_cmgt_bank_ref_datastatePostalCodeNoYesar_cmgt_bank_ref_datapostal_codeProvinceNoYesar_cmgt_bank_ref_dataprovinceBankRoutingNumberNoYesar_cmgt_bank_ref_databank_routing_numberCountryNoYesar_cmgt_bank_ref_datacountryContactNoYesar_cmgt_bank_ref_datacontact_nameContactTelephoneNoYesar_cmgt_bank_ref_dataphoneAccountNumberNoYesar_cmgt_bank_ref_acctsaccount_numberAccountTypeNoYesar_lookupslookup_code=account_typeDateOpenedNoYesar_cmgt_bank_ref_acctsdate_openedBalanceDateNoYesar_cmgt_bank_ref_acctsbalance_dateD-10OracleCreditManagementUserGuideDataPointScorableChecklistSetupSourceTableSourceColumnCurrentBalanceYesNoar_cmgt_bank_ref_acctscurrent_balanceAverageBalanceYesNoar_cmgt_bank_ref_acctsaverage_balanceTradeReferencesDataPointsThistableincludestheTradeReferencesdatapoints.
ThedatapointcategoryisReferenceandalldatapointsaredisplayedinthecasefolder.
Alldatapointsareuser-enteredandnonearetime-sensitive.
DataPointScorableChecklistSetupSourceTableSourceColumnReferenceNameNoYesar_cmgt_trade_ref_datareference_nameLastTransactionDateNoYesar_cmgt_trade_ref_datalast_transaction_datePaymentTermsNoYesar_cmgt_trade_ref_datapayment_termsNumberofYearsinTradeNoYesar_cmgt_trade_ref_datanumber_of_years_in_tradeCreditCurrencyNoYesar_cmgt_trade_ref_datacurrencyReportDateNoYesar_cmgt_trade_ref_datareport_dateCreditTypeNoYesar_cmgt_trade_ref_datacredit_typeCreditLimitYesNoar_cmgt_trade_ref_datacredit_limitCreditBalanceYesNoar_cmgt_trade_ref_datacredit_balanceOracleCreditManagementDataPointsD-11DataPointScorableChecklistSetupSourceTableSourceColumnAmountOwedYesNoar_cmgt_trade_ref_dataamount_owedPastDueAmountYesNoar_cmgt_trade_ref_datapast_due_amountAddressNoYesar_cmgt_trade_ref_dataaddressCityNoYesar_cmgt_trade_ref_datacityStateNoYesar_cmgt_trade_ref_datastatePostalCodeNoYesar_cmgt_trade_ref_datapostal_codeCountryNoYesar_cmgt_trade_ref_datacountryProvinceNoYesar_cmgt_trade_ref_dataprovinceTaxNumberNoYesar_cmgt_trade_ref_datatax_numberContactNoYesar_cmgt_trade_ref_datacontact_namePhoneNoYesar_cmgt_trade_ref_dataphone_numberFaxNoYesar_cmgt_trade_ref_datafax_numberEmailNoYesar_cmgt_trade_ref_dataemailURLNoYesar_cmgt_trade_ref_dataurlD-12OracleCreditManagementUserGuideRelatedTopicsOracleCreditManagementDataPoints,pageD-1GuarantorsDataPointsThistableincludestheGuarantorsdatapoints.
ThedatapointcategoryisReferenceandalldatapointsaredisplayedinthecasefolder.
Alldatapointsareuser-enteredandnonearetime-sensitive.
DataPointScorableChecklistSetupSourceTableSourceColumnOrderIdentifierNoNoar_cmgt_guarantor_dataCurrencyNoNoar_cmgt_guarantor_datacurrencyGuaranteeAvailableFromDateNoNoar_cmgt_guarantor_datafunding_available_fromGuaranteeAvailableToDateNoNoar_cmgt_guarantor_datafunding_available_toPrimaryFlagNoNoar_cmgt_guarantor_dataGuaranteedAmountYesNoar_cmgt_guarantor_dataguaranteed_amountOrderAmountYesNoar_cmgt_guarantor_dataRelatedTopicsOracleCreditManagementDataPoints,pageD-1VentureFundingDataPointsThistableincludestheVentureFundingdatapoints.
ThedatapointcategoryisReferenceandalldatapointsaredisplayedinthecasefolder.
Alldatapointsareuser-enteredandnonearetime-sensitive.
OracleCreditManagementDataPointsD-13DataPointScorableChecklistSetupCountryNoNoVentureCapitalNameNoNo,RequiredAddressNoNoProvince/StateNoNoPostalCodeNoNoKeyExecutiveNoNoContactNoNoPhoneNoNoFaxNoNoEmailNoNoFundingAmountYesNoBurnRateYesNoCurrencyNoNoPercentInvestedYesNoDescribeFutureFundingPlansNoNoNotesNoNoCapitalStageNoNoBalanceYesYesRelatedTopicsOracleCreditManagementDataPoints,pageD-1D-14OracleCreditManagementUserGuideCollateralDataPointsThistableincludestheCollateraldatapoints.
ThedatapointcategoryisReferenceandalldatapointsaredisplayedinthecasefolder.
Alldatapointsareuser-enteredandnonearetime-sensitive.
DataPointScorableChecklistSetupSourceTableSourceColumnDescriptionNoYes,Requiredar_cmgt_collateral_datadescriptionCategoryNoYes,Requiredar_cmgt_collateral_datacategoryValueofCollateralYesYes,Requiredar_cmgt_collateral_datavalueCurrencyNoYes,Requiredar_cmgt_collateral_datacurrencyValuationTypeNoNoar_cmgt_collateral_datatypeValuationDateNoNoar_cmgt_collateral_datavaluation_datePreviousValuationDateNoNoar_cmgt_collateral_dataprevious_valuation_dateAppraiserNoNoar_cmgt_collateral_dataappraiserAppraiserPhoneNumberNoNoar_cmgt_collateral_dataappraiser_phoneLocationofCollateralNoNoar_cmgt_collateral_datalocationNotesNoNoar_cmgt_collateral_datanotesOracleCreditManagementDataPointsD-15RelatedTopicsOracleCreditManagementDataPoints,pageD-1BillingandPaymentsDataPointsThistableincludestheBillingandPaymentsdatapointsthatarenottime-sensitive.
Alldatapointsareautomaticallyderived.
ThedatapointcategoryisInvoice.
DataPointScorableChecklistSetupSourceTableSourceColumnCalculationsDaysSalesOutstandingYesYesar_trx_bal_summary(sum(current_receivables)*cer_dso_days)/sum(total_dso_days_credit)FROMSYSTEMOPTIONSSETUP.
(SumofallopeningBalances*NumberofdaysDaysSalesOutstandingfromar_cmgt_setup_options)/SumofalltransactionsbasedonDSOdays(fromar_cmgt_setup_options)fromar_trx_summaryDelinquentDaysSalesOutstandingYesYesar_trx_bal_summarySUM(DSO)-SUM(BEST_DSO)SAMEPERIODASDSO.
((SumofallopeningBalances-amount_due_remainingonopenpaymentschedules(installments)ofalltransactions)*NumberofdaysDaysSalesOutstandingfromar_cmgt_setup_options)/SumofalltransactionsbasedonDSOdays(fromar_cmgt_setup_options)fromar_trx_summaryUnappliedCashAmountYesYesar_trx_bal_summaryunresolved_cash_valuesumofunresolvedcashavailableonalltheCashReceiptsUnappliedCashCountYesYesar_trx_bal_summaryunresolved_cash_countcountofunresolvedcashavailableonalltheCashReceiptsD-16OracleCreditManagementUserGuideThistableincludestheBillingandPaymentsdatapointsthataretime-sensitive.
Alldatapointsareautomaticallyderived.
ThedatapointcategoryisInvoice.
DataPointScorableChecklistSetupSourceTableSourceColumnCalculationsWeightedAverageDaysPaidYesYesar_trx_summarysum(inv_inst_pmt_days_sum)/sum(COUNT_OF_TOT_INV_INST_PAID)Summationoftheproductofnumberofdaystomakepaymentsagainstinvoiceinstallments/Sumoftheamountappliedagainsttheclosedpaymentschedules(installments)ofalltheInvoicesWeightedAverageDaysPaidLateYesYesar_trx_summarysum(sum_app_amt_days_late)/sum(sum_of_app_amt)SummationoftheproductofamountappliedandthedifferenceinapplydateandduedateforallcashreceiptapplicationsagainsttheInvoicesInstallments/Sumoftheamountappliedagainsttheclosedpaymentschedules(installments)ofalltheInvoicesHighCreditAmountYesYesar_trx_summaryop_bal_high_watermarkThiscolumnvaluecontainsthehighestOpenReceivablesBalanceforthespecificAccount,Site,Currencyanddate(identifiedbyas_of_date).
HighCreditDateNoYesar_trx_summaryop_bal_high_watermark_dateHighestOpenreceivablesdateWeightedDaysCreditGrantedYesYesar_trx_summarysum(days_credit_granted_sum)/sum(COUNT_OF_TOT_INV_INST_PAID)Summationoftheproductofamount_due_originalanddifferenceofthedue_dateandtrx_date/Sumoftheamount_due_originalonpaymentschedules(installments)ofallInvoicesOracleCreditManagementDataPointsD-17DataPointScorableChecklistSetupSourceTableSourceColumnCalculationsLastPaymentAmountYesYesar_trx_summarylast_payment_amountAmountofthemostrecentcashreceipt(basedonreceiptdate)LastPaymentDateNoYesar_trx_summarylast_payment_dateDateofthemostrecentcashreceipt(basedonreceiptdate)CashReceiptsAmountYesYesar_trx_summarytotal_cash_receipts_valueSumoftheamountsofallCashReceiptsCashReceiptsCountYesYesar_trx_summarytotal_cash_receipts_countCountofpaymentschedules(installments)ofallcashreceiptsInvoicesAmountYesYesar_trx_summarytotal_invoices_valueSumoftheamount_due_originalonpaymentschedules(installments)ofallInvoicesInvoicesCountYesYesar_trx_summarytotal_invoices_countCountofthepaymentschedules(installments)ofallInvoicesBillsReceivablesAmountYesYesar_trx_summarytotal_bills_receivables_valueSumoftheamount_due_originalonpaymentschedules(installments)ofallBillsReceivablesBillsReceivablesCountYesYesar_trx_summarytotal_bills_receivables_countCountofpaymentschedules(installments)ofallBillsReceivablesDebitMemosAmountYesYesar_trx_summarytotal_debit_memos_valueSumoftheamount_due_originalonpaymentschedules(installments)ofallDebitMemosD-18OracleCreditManagementUserGuideDataPointScorableChecklistSetupSourceTableSourceColumnCalculationsDebitMemosCountYesYesar_trx_summarytotal_debit_memos_countCountofpaymentschedules(installments)ofallDebitMemosChargebacksAmountYesYesar_trx_summarytotal_chargeback_valueSumoftheamount_due_originalonpaymentschedules(installments)ofallChargebacksChargebacksCountYesYesar_trx_summarytotal_chargeback_countCountofpaymentschedules(installments)ofallChargebacksAdjustmentsAmountYesYesar_trx_summarytotal_adjustments_valueSumoftheadjustmentamountsonthepaymentschedulesofallthedebititemsAdjustmentsCountYesYesar_trx_summarytotal_adjustments_countCountoftheadjustmentsonthepaymentschedulesofallthedebititemsDepositsAmountYesYesar_trx_summarytotal_deposits_valueSumoftheamount_due_originalonpaymentschedules(installments)ofallDepositsDepositsCountYesYesar_trx_summarytotal_deposits_countCountofpaymentschedules(installments)ofallDepositsNSF/StopPaymentCountYesYesar_trx_summarynsf_stop_payment_countCountofallcashreceiptshavingastatusofReversedwithaReversalCategoryofNonSufficientFundsNSF/StopPaymentAmountYesYesar_trx_summarynsf_stop_payment_amountSumoftheamountonallCashReceiptshavingastatusofReversedwithaReversalCategoryofNonSufficientFundsOracleCreditManagementDataPointsD-19DataPointScorableChecklistSetupSourceTableSourceColumnCalculationsPendingOrdersAmountYesYesar_trx_summaryCreditMemosAmountYesYesar_trx_summarytotal_credit_memos_valueSumoftheamount_due_originalonpaymentschedules(installments)ofallCreditMemosCreditMemosCountYesYesar_trx_summarytotal_credit_memos_countCountofpaymentschedules(installments)ofallCreditMemosLargestInvoiceAmountYesYesar_trx_summarylargest_inv_amountTransactionamountcorrespondingtothelargestinvoiceLargestInvoiceDateNoYesar_trx_summarylargest_inv_dateTransactiondatecorrespondingtothelargestinvoicePercentagesOfInvoicesPaidPromptlyYesYesar_trx_summary((count_of_inv_inst_paid-count_of_inst_inv_inst_paid_late)/count_of_inv_inst_paid)*100(Countofthepaymentschedules(installments),thathavebeenpaidoffcompletely-Countofthepaymentschedules(installments)thathavebeenpaidlate)*100/Countofthepaymentschedules(installments),thathavebeenpaidoffcompletelyPercentagesOfInvoicesPaidLateYesYesar_trx_summary(count_of_inst_inv_inst_paid_late/count_of_inv_inst_paid)*100(Countofthepaymentschedules(installments)thathavebeenpaidlate*100)/Countofthepaymentschedules(installments),thathavebeenpaidoffcompletelyD-20OracleCreditManagementUserGuideDataPointScorableChecklistSetupSourceTableSourceColumnCalculationsPercentageofInvoiceswithDiscountTakenYesYesar_trx_summarycount_of_disc_inv_inst(Countofthepaymentschedules(installments)withearnedorunearneddiscountsappliedtoInvoices*100)/Countofthepaymentschedules(installments),thathavebeenpaidoffcompletelyInvoicespaidAmountYesYesar_trx_summaryinv_paid_amountSumofthetotalamountpaidagainstclosedinvoicesInstallmentInvoicesPaidCountYesYesar_trx_summarycount_of_tot_inst_inv_paidCountofthepaymentschedules(installments),thathavebeenpaidoffcompletelyEarnedDiscountAmountYesYesar_trx_summarytotal_earned_disc_valueSumoftheEarnedDiscountsthatweregivenontheclosedpaymentschedules(installments)ofallinvoicesEarnedDiscountCountYesYesar_trx_summarytotal_earned_disc_countCountoftheEarnedDiscountsthatweregivenontheclosedpaymentschedules(installments)ofallinvoicesUnearnedDiscountAmountYesYesar_trx_summarytotal_unearned_disc_valueSumoftheUnearnedDiscountsthatwasgivenontheclosedpaymentschedules(installments)ofallinvoicesUnearnedDiscountCountYesYesar_trx_summarytotal_unearned_disc_countCountoftheUnearnedDiscountsthatweregivenontheclosedpaymentschedules(installments)ofallinvoicesOracleCreditManagementDataPointsD-21RelatedTopicsOracleCreditManagementDataPoints,pageD-1AgingDataPointsThistableincludestheAgingdatapointsthatarenottime-sensitive.
Alldatapointsareautomaticallyderived.
ThedatapointcategoryisAging.
Note:Agingbucketsandtheirvaluesareavailableforthechecklist,butthebucketnamesandthenumberofbucketsarebaseduponCreditManagementsystemoptionsettings.
DataPointScorableChecklistSetupSourceTableSourceColumnCalculationsTotalPastDueYesYesar_trx_bal_summaryOpenInvoicesAmountYesYesar_trx_bal_summaryop_invoices_valuesumofamount_due_remainingonopenpaymentschedules(installments)ofalltheInvoicesOpenInvoicesCountYesYesar_trx_bal_summaryop_invoices_countcountoftheopenpaymentsschedules(installments)ofalltheInvoicesOpenDebitMemosAmountYesYesar_trx_bal_summaryop_debit_memos_valuesumofamount_due_remainingonopenpaymentschedules(installments)ofalltheDebitMemosOpenDebitMemosCountYesYesar_trx_bal_summaryop_debit_memos_countcountoftheopenpaymentsschedules(installments)ofalltheDebitMemosOpenDepositsAmountYesYesar_trx_bal_summaryop_deposits_valuesumofamount_due_remainingonopenpaymentschedules(installments)ofalltheDepositsD-22OracleCreditManagementUserGuideDataPointScorableChecklistSetupSourceTableSourceColumnCalculationsOpenDepositsCountYesYesar_trx_bal_summaryop_deposits_countcountoftheopenpaymentsschedules(installments)ofalltheDepositsOpenBillsReceivablesAmountYesYesar_trx_bal_summaryop_bills_receivables_valuesumofamount_due_remainingonopenpaymentschedules(installments)ofalltheBillsReceivablesOpenBillsReceivablesCountYesYesar_trx_bal_summaryop_bills_receivables_countcountoftheopenpaymentsschedules(installments)ofalltheBillsReceivablesOpenChargebackAmountYesYesar_trx_bal_summaryop_chargeback_valuesumofamount_due_remainingonopenpaymentschedules(installments)ofalltheChargebacksOpenChargebackCountYesYesar_trx_bal_summaryop_chargeback_countcountoftheopenpaymentsschedules(installments)ofalltheChargebacksOpenCreditMemosAmountYesYesar_trx_bal_summaryop_credit_memos_valuesumofamount_due_remainingonopenpaymentschedules(installments)ofalltheCreditMemosOpenCreditMemosCountYesYesar_trx_bal_summaryop_credit_memos_countcountoftheopenpaymentsschedules(installments)ofalltheCreditMemosPastDueInvoiceAmountYesYesar_trx_bal_summarypast_due_inv_valuesumoftheamount_due_remainingoftheopenpaymentsschedules(installments)ofalltheInvoicesPastDueInvoiceCountYesYesar_trx_bal_summarypast_due_inv_inst_countcountoftheopenpaymentsschedules(installments)ofalltheInvoicesOracleCreditManagementDataPointsD-23DataPointScorableChecklistSetupSourceTableSourceColumnCalculationsDisputedInvoiceAmountYesYesar_trx_bal_summaryinv_amt_in_disputesumoftheamountindisputeonopenpaymentschedules(installments)ofalltheinvoicesDisputedInvoiceCountYesYesar_trx_bal_summarydisputed_inv_countcountofopenpaymentschedules(installments)ofallInvoicesLastInterestInvoiceAmountYesYestransactiontype='InterestInvoice'LastinterestInvoiceCountYesYestransactiontype='InterestInvoice'InterestPaidYesYessum(amount_due_original-amount_due_remaining)wheretransactiontype='InterestInvoice'LastInterestinvoiceDateNoYestransactiontype='InterestInvoice'PendingAdjustmentsAmountYesYesar_trx_bal_summarypending_adj_valuesumoftheadjustmentamountsonalldebititemsLastDunningLetterDateNoYesar_trx_bal_summarylast_dunning_dateMax.
Corrrespondence_dateforcorrespondence_type='DUNNING'ReceiptsatriskamountYesYesar_trx_bal_summaryreceipts_at_risk_valuesumofcashreceiptamountsDunninglettercountNoYesar_trx_bal_summarydunning_countCountofCorrespondencetype='DUNNING'RelatedTopicsOracleCreditManagementDataPoints,pageD-1AdditionalDataPointPL/SQLGuidelinesE-1EAdditionalDataPointPL/SQLGuidelinesThisappendixdescribesguidelinesforPL/SQLpackagesandfunctionsthatderivedatapointvalues.
Thisappendixcoversthefollowingtopics:GuidelinesforDerivingDataPointValuesGuidelinesforDerivingDataPointValuesYoucandefineyourowndatapointsforinclusiononcreditchecklistsandscoringmodelsforcreditanalysis.
Whendefiningnewdatapoints,youcanassociateaPL/SQLpackageandfunctiontoderiveavalueforthatdatapoint.
WhencodingthePL/SQLfunctions,followtheseguidelines:Thefunctioncannothaveparameters,orcommitorrollbackcommands.
ThefunctionmustreturneitheraVARCHAR2oraNULLvalue.
Ifadatapointreturnsmultiplevalues,populatetheOCM_DP_VALUES_TBL_TYPEtable.
ThevaluemustbeNull.
Thefunctionshouldincludeexceptionshandling.
Forerrors,includetheerrormessageintheOUTvariable.
Workflowwillusethemessagetosendanappropriatenotificationtothecreditanalyst.
Thefunctionsignaturemustmatchthecodingexamplesbelow.
Thisisanexampleofafunctionthatreturnsasinglevalue:E-2OracleCreditManagementUserGuideCREATEORREPLACEPACKAGEocm_data_pointsASFUNCTIONget_data_points(x_resultoutOUTNOCOPYVARCHAR2,x_errormsgOUTNOCOPYVARCHAR2)RETURNVARCHAR2ASBEGINx_resultout:=FND_API.
G_RET_STS_SUCCESS;BEGINSELECTcredit_classificationINTOl_credit_classificationFROMhz_customer_profileWHEREparty_id=OCM_ADD_DP_PARAM_REC_TYPE.
p_party_id;EXCEPTIONWHENNO_DATA_FOUNDTHENl_credit_classification:=NULL;WHENOTHERSTHENx_resultout:=FND_API.
G_RET_STS_UNEXP_ERROR;x_errormsg:=sqlerrm;END;OCM_ADD_DATA_PARAM_REC_TYPE.
P_data_point_value:=l_credit_classification;RETURNl_credit_classification;END;ThisisanexampleofafunctionthatpopulatesaglobalPL/SQLtable.
WhenthesourceproductpopulatesthePL/SQLtable,thenthesourceproductshouldreturnaNULLvaluetoindicatetoCreditManagementthatthedataiscontainedinthePL/SQLtable.
AdditionalDataPointPL/SQLGuidelinesE-3CREATEORREPLACEPACKAGEocm_data_pointsASFUNCTIONget_data_points(x_resultoutOUTNOCOPYVARCHAR2,x_errormsgOUTNOCOPYVARCHAR2)RETURNVARCHAR2ASCURSORcPaymetTermISSELECTTRX_NUMBERFROMRA_CUSTOMER_TRX_ALLWherebill_to_customer_id=OCM_ADD_DP_PARAM_REC_TYPE.
P_cust_account_id;L_seq_numberNUMBER:=1;BEGINx_resultout:=FND_API.
G_RET_STS_SUCCESS;FORcPaymetTermRecINcPaymetTermLOOPOCM_DP_VALUES_TBL.
P_data_point_id:=OCM_ADD_DP_PARAM_REC_TYPE.
P_data_point_id;OCM_DP_VALUES_TBL.
P_parent_data_point_id:=OCM_ADD_DP_PARAM_REC_TYPE.
P_parent_data_point_id;OCM_DP_VALUES_TBL.
P_sequence_number:=L_seq_number;OCM_DP_VALUES_TBL.
P_data_point_value:=CPaymetTermRec.
trx_number;L_seq_number:=L_seq_number+1;ENDLOOP;RETURNNULL;END;CreditManagementAPIUserNotesF-1FCreditManagementAPIUserNotesThisappendixdescribespublicOracleCreditManagementAPIs.
Thisappendixcoversthefollowingtopics:OverviewofCreditManagementPublicAPIsMajorFeaturesAPIUsageOverviewofCreditManagementPublicAPIsThisdocumentoutlinesthespecificationsandthemethodologyforusingtheCreditManagementpublicAPIs.
TheCreditManagementpublicAPIsincludesfiveAPIs:1.
CreateCreditRequestAPI,pageF-32.
UpdateCreditRequestAPI,pageF-73.
WithdrawCreditRequestAPI,pageF-84.
GuarantorAPI,pageF-95.
GetExternalDecisionAPI,pageF-11AllAPIsarePL/SQLAPIsthatcreateorupdateobjectsintheCreditManagementsystembasedonthespecifiedparameters.
TheAPIsdonotcauseperformancedegradationtothemainflowcallingtheAPI.
BasicBusinessNeedsProductsintheOraclee-BusinessSuiteuseOracleCreditManagementaspartoftheirrespectivebusinessflowstoperformcreditanalysesonparties,accounts,oraccountsites.
Forexample,OracleOrderManagementandOracleLeaseManagementaretwoF-2OracleCreditManagementUserGuidesuchproducts.
Inadditiontoenteringthecreditrequest(moreformallyknownasthecreditapplication)fromwithinCreditManagement,e-BusinessSuiteproductsmightwanttotriggerthecreationofacreditrequestfromtheirexistingflows.
Specificrequirementsfromeachproductalsoexistforhandlingtheresults(whicharetherecommendations)ofacreditanalysisperformedinCreditManagement.
Someoftheseproductsmightalsowanttoperformcustomprocessingiftheautomationprocessofacreditrequestfails.
See:CreditRequestBusinessEvents,pageC-1.
Beforeyoubegin.
.
.
.
InitializationofARP_STANDARDandARP_GLOBALCustomcodethatusesAR,OCM,orHZAPIswillsettheORG_IDviadbms_application_info.
set_client_info()andthencalltheAPIs.
TheAPIsinturnmightaccesseitherARP_STANDARDandARP_GLOBAL,whichinitializetheglobalvariablesthatareusedacrossCreditManagementwhenthepackageisfirstcalled.
Mostoftheseglobalvariablevaluesareorganizationdependent,andthefirstsuchcallsetstheglobalvariablesbasedonthecurrentORG_ID.
IfadditionalcustomcodethenchangestheORG_IDviaanothercalltodbms_application_info.
set_client_info(),thentheORGcontextchanges,buttheARP_STANDARDandARP_GLOBALcontextdoesnot.
Insuchcases,youshouldexplicitlyre-initializetheglobalvariablesbyacalltothesetwopublicprocedures:1.
ARP_GLOBAL.
INIT_GLOBAL:ForsettingpublicvariablesinARP_GLOBAL.
2.
ARP_STANDARD.
INIT_STANDARD:ForsettingpublicvariablesinARP_STANDARD.
MajorFeaturesThemajorfeaturesofthesepublicAPIsare:Easytoadministerandmaintaintheconsumerproduct'sprocesses.
CreditManagementhaspublishedbusinessevents.
ExternalsystemscansubscribetothebusinesseventsinCreditManagement.
RelatedTopicsCreditRequestBusinessEvents,pageC-1CreditManagementAPIUserNotesF-3APIUsageCreateCreditRequestAPIThear_cmgt_credit_request_api.
create_credit_requestroutineisusedtocreateacreditrequestforinitiatingacreditreviewforaparty,account,oraccountsite.
ThisAPIroutinehas4outputand35inputparameters.
TheAPIreturnsthecredit_request_idofthecreditrequestcreatedinCreditManagementasoneofthedefaultoutputparameters.
Thefollowingisthebreakdownoftheparameters:InputStandardAPIparameters:4CreditRequestparameters:35OutputStandardAPIparameters:3CreditRequestparameters:1StandardAPIParametersThefollowingtablelistsstandardAPIparametersthatarecommontoallCreditRequestAPIroutines.
ParameterTypeData-typeRequiredDefaultValueDescriptionp_api_versionINNUMBERYesUsedtocompareversionnumbersofincomingcallstoitscurrentversionnumber.
Anunexpectederrorisraisedifversionincompatibilityexists.
InthecurrentversionoftheAPI,youshouldpassavalueof1.
0forthisparameter.
p_init_msg_listINVARCHAR2FND_API.
G_FALSEAllowsAPIcallerstorequestthattheAPIexecutesinitializationofthemessagelistontheirbehalf.
p_commitINVARCHAR2FND_API.
G_FALSEUsedbyAPIcallerstoasktheAPItocommitontheirbehalf.
F-4OracleCreditManagementUserGuideParameterTypeData-typeRequiredDefaultValueDescriptionp_validation_levelINVARCHAR2FND_API.
G_VALID_LEVEL_FULLCurrently,notforuse.
x_return_statusOUTVARCHAR2RepresentstheAPIoverallreturnstatus.
Theexpectedvaluesare:--FND_API.
G_RET_STS_SUCCESS--FND_API.
G_RET_STS_ERROR--FND_API.
G_RET_STS_UNEXP_ERRORx_msg_countOUTNUMBERNumberofmessagesintheAPImessagelist.
x_msg_dataOUTVARCHAR2Messageinencodedformatifx_msg_count=1.
CreateCreditRequestAPIParametersThefollowingtableliststheparametersthatarerelevanttotheCreateCreditRequestAPI.
ParameterTypeData-typeRequiredDescriptionp_application_numberINVARCHAR2(30)Applicationnumberonthecreditrequest.
ThiscouldbeinternallygeneratedbyasequencebasedonthesettingintheCreditManagementsystemoption.
p_application_dateINDATEDateonthecreditrequest.
p_requestor_typeINVARCHAR2(30)Requestortype.
ValidvaluesareEMPLOYEEorFND_USER.
p_requestor_idINNUMBERHRPERSON_IDorFND_USER_ID,dependingonrequestortype.
p_review_typeINVARCHAR2(30)'Reviewtype'ofthecreditrequest.
'Reviewtypes'arecreatedasARlookupsduringCreditManagementsetup.
CreditManagementAPIUserNotesF-5ParameterTypeData-typeRequiredDescriptionp_credit_classificationINVARCHAR2(30)'Creditclassification'oftheparty/account/sitethatarecreatedasARlookupsduringCreditManagementsetup.
p_requested_amountINNUMBERRequestedcreditlimitamount.
p_requested_currencyINVARCHAR2(30)Currencyoftherequestedcreditlimit.
p_trx_amountINNUMBERTransactionamount.
p_trx_currencyINVARCHAR2(30)Transactioncurrency.
credit_typeINVARCHAR2(30)Typeofcreditrequest.
Possiblevaluesare'Term'and'Trade'.
p_term_lengthINNUMBERTermlengthspecifiedasnumberofmonths.
Relevantforthecredit_type'Term'.
p_credit_check_rule_idINNUMBERIdentifierofthecreditcheckruledefinedinOrderManagement(OM-specificattribute).
p_credit_request_statusINVARCHAR2(30)Creditrequeststatus.
PossiblevaluesareSAVEandSUBMIT.
p_party_idINPartyidentifier.
p_cust_account_idINNUMBERCustomeraccountidentifier.
p_cust_acct_site_idINNUMBERCustomeraccountsiteidentifier.
p_contact_party_idINNUMBERPartyidentifierforthecreditcontact.
p_site_use_idINNUMBERSiteuseidentifier.
p_notesINVARCHAR2(2000)Notes.
p_source_org_idINNUMBERF-6OracleCreditManagementUserGuideParameterTypeData-typeRequiredDescriptionp_source_user_idINNUMBERp_source_resp_idINNUMBERp_source_resp_appln_idINNUMBERp_source_security_group_idINNUMBERp_source_nameINVARCHAR2(30)Sourcenameonthecreditrequest,whichisusedtoidentifythesourceproductthatinitiatedthecreditrequest.
p_source_column1INVARCHAR2(150)Uniqueidentifieroftheentityforwhichthecreditrequestwascreated.
p_source_column2INVARCHAR2(150)Uniqueidentifieroftheentityforwhichthecreditrequestwascreated.
p_source_column3INVARCHAR2(150)Uniqueidentifieroftheentityforwhichthecreditrequestwascreated.
p_credit_request_idOUTNUMBERCreditrequestidentifier.
p_review_cycleINVARCHAR2(30)p_case_folder_numberINVARCHAR2(30)Casefoldernumber,whichisusedbythecasefoldergeneratedbythiscreditrequest.
p_score_model_idINNUMBERp_parent_credit_request_idINNUMBERParentcreditrequestIDp_credit_request_typeINVARCHAR2Creditrequesttype.
DerivedfromARlookupsOCM_CREDIT_REQUEST_TYPE.
CreditManagementAPIUserNotesF-7ParameterTypeData-typeRequiredDescriptionp_recoINVARCHAR2Recommendationname.
Userscanpasstheirownrecommendations.
Therecommendationmustbealookup.
UpdateCreditRequestAPITheocm_credit_request_update_pubroutineisusedtoupdateanexistingcreditrequestforaparty,account,oraccountsite.
StandardAPIParametersToviewthestandardAPIparametersthatarecommontoallCreditRequestAPIroutines,see:StandardAPIParameters,pageF-3.
UpdateCreditRequestAPIParametersTheUpdateCreditRequestAPIincludesthep_credit_request_recparameterofPL/SQLrecordtype,whichsharesparameterswiththeCreateCreditRequestAPI.
Seethetablethatdescribesthesharedparameters,pageF-4.
Thefollowingtabledescribestheparametersofp_credit_request_recthatareuniquetotheUpdateCreditRequestAPI.
ParameterData-typecheck_list_idNUMBERcredit_analyst_idNUMBERcase_folder_idNUMBERstock_exchangeVARCHAR2(50)current_stock_priceNUMBERstock_currencyVARCHAR2(30)market_capitalizationNUMBERmarket_cap_monetary_unitVARCHAR2(15)F-8OracleCreditManagementUserGuideParameterData-typepending_litigationsNUMBERbond_ratingVARCHAR2(30)legal_entity_nameVARCHAR2(240)entity_typeVARCHAR2(30)recommendation_nameVARCHAR2(30)attachment_flagVARCHAR2statusVARCHAR2request_idNUMBERWithdrawCreditRequestAPITheocm_credit_req_withdraw_pubroutineisusedtowithdrawanexistingcreditrequestforaparty,account,oraccountsite.
StandardAPIParametersToviewthestandardAPIparametersthatarecommontoallCreditRequestAPIroutines,see:StandardAPIParameters,pageF-3.
WithdrawCreditRequestAPIParametersThefollowingtabledescribestheparametersthatareuniquetotheWithdrawCreditRequestAPI.
ParameterTypeData-typeRequiredDescriptionp_credit_request_idINNUMBERCreditrequestIDp_withdrawl_reason_codeINVARCHAR2Withdrawalreasoncode.
DerivedfromAR_CMGT_APP_WITHDRAW_REASONSlookuptype.
CreditManagementAPIUserNotesF-9GuarantorAPITheocm_guarantor_pubroutineisusedtoautomaticallysubmitacreditapplicationforaguarantorthatisincludedonacreditapplicationorinacasefolder.
StandardAPIParametersToviewthestandardAPIparametersthatarecommontoallCreditRequestAPIroutines,see:StandardAPIParameters,pageF-3.
GuarantorAPIParametersThefollowingtabledescribestheparametersthatareuniquetotheGuarantorAPI.
ParameterTypeData-typeRequiredDescriptionx_guarantor_credit_request_idOUTVARCHAR2GuarantorcreditrequestIDx_guarantor_application_numberINOUTVARCHAR2Guarantorapplicationnumberp_party_idINNUMBERPartyidentifierp_contact_party_idINNUMBERContactpartyidentifierp_parent_credit_request_idINNUMBERParentcreditrequestidentifierp_currencyINVARCHAR2Currencyp_guaranted_amountINNUMBERGuaranteeamountp_funding_available_fromINDATEFundingavailablefromdatep_funding_available_toINDATEFundingavailabletodatep_case_folder_idINNUMBERCasefolderidentifierp_notesINVARCHAR2NotesF-10OracleCreditManagementUserGuideParameterTypeData-typeRequiredDescriptionp_credit_classificationINVARCHAR2Creditclassificationofparty,fromARlookups.
Defaultedas"GUARANTOR".
p_review_typeINVARCHAR2Reviewtypeofparty,fromARlookups.
Defaultedas"GUARANTOR".
p_requestor_idINNUMBERRequestoridentifierp_source_org_idINNUMBERSourceproductorganizationidentifierp_source_user_idINNUMBERSourceproductuserIDp_source_resp_idINNUMBERSourceproductresponsibilityIDp_source_appln_idINNUMBERSourceproductapplicationIDp_source_security_group_idINNUMBERSourceproductsecuritygroupIDp_source_nameINVARCHAR2Sourceproductname,derivedfromARlookupOCM_REQUEST_SOURCEp_source_column1INVARCHAR2Sourceproductcolumn1,mustbepassedassourceproductidentifierp_source_column2INVARCHAR2Sourceproductcolumn2,mustbepassedassourceproductdocumentnumberp_source_column3INVARCHAR2Sourceproductcolumn3p_credit_request_statusINVARCHAR2Requeststatusp_review_cycleINVARCHAR2Reviewcyclep_case_folder_numberINVARCHAR2Casefoldernumberp_score_model_idINNUMBERScoringmodelIDp_asset_class_codeINVARCHAR2AssetclasscodeCreditManagementAPIUserNotesF-11ParameterTypeData-typeRequiredDescriptionp_asset_type_codeINVARCHAR2Assettypecodep_descriptionINVARCHAR2Descriptionp_quantityINNUMBERQuantityp_uom_codeINVARCHAR2Unitofmeasurementp_reference_typeINVARCHAR2Referencetypep_appraiserINVARCHAR2Appraisernamep_appraiser_phoneINVARCHAR2Appraiserphonep_valuationINNUMBERValuationp_valuation_method_codeINVARCHAR2Valuationmethodcodep_valuation_dateINDATEValuationdatep_acquisition_dateINDATEAcquisitiondatep_asset_identifierINVARCHAR2AssetidentifierGetExternalDecisionAPITheocm_get_extrl_decsn_pubroutineisusedtobypassCreditManagement'sscoringfunctionalityandextractcasefoldercontentsforscoringbyanexternalscoringengine.
ThisAPIconsistsoffourprocedures:1.
GetScore2.
IncludeDataPoints3.
GetRecommendations4.
SubmitCaseFolderF-12OracleCreditManagementUserGuideAPIParametersThefollowingtablelistsstandardAPIparametersthatarecommontoallfourGetExternalDecisionprocedures:ParameterTypeData-typeRequiredDefaultValueDescriptionp_api_versionINNUMBERYesUsedtocompareversionnumbersofincomingcallstoitscurrentversionnumber.
Anunexpectederrorisraisedifversionincompatibilityexists.
InthecurrentversionoftheAPI,youshouldpassavalueof1.
0forthisparameter.
p_init_msg_listINVARCHAR2FND_API.
G_TRUEAllowsAPIcallerstorequestthattheAPIexecutesinitializationofthemessagelistontheirbehalf.
p_commitINVARCHAR2UsedbyAPIcallerstoasktheAPItocommitontheirbehalf.
p_validation_levelINVARCHAR2Currently,notforuse.
x_return_statusOUTVARCHAR2RepresentstheAPIoverallreturnstatus.
Theexpectedvaluesare:--FND_API.
G_RET_STS_SUCCESS--FND_API.
G_RET_STS_ERROR--FND_API.
G_RET_STS_UNEXP_ERRORx_msg_countOUTNUMBERNumberofmessagesintheAPImessagelist.
x_msg_dataOUTVARCHAR2Messageinencodedformatifx_msg_count=1.
ThefollowingtableliststheparametersfortheGetScoreAPI:ParameterTypeData-typeRequiredDescriptionp_case_folder_idINNUMBERCasefolderidentifierp_score_model_idINNUMBERScoringmodelidentifierCreditManagementAPIUserNotesF-13ParameterTypeData-typeRequiredDescriptionp_scoreINNUMBERScoreThefollowingtableliststheparametersfortheIncludeDataPointsAPI:ParameterTypeData-typeRequiredDescriptionp_case_folder_idINNUMBERCasefolderidentifierp_data_point_idINdata_point_id_varrayArrayofdatapointstobeincludedincasefoldersThefollowingtableliststheparametersfortheGetRecommendationsAPI:ParameterTypeData-typeRequiredDescriptionp_case_folder_idINNUMBERCasefolderidentifierp_recommendations_typeINVARCHAR2Nameofrecommendation(definedaslookuptype)p_recommendations_tblINcredit_recommendation_tblListofrecommendationstobeincluded.
ThefollowingtableliststheparametersfortheSubmitCaseFolderAPI:ParameterTypeData-typeRequiredDescriptionp_case_folder_idINNUMBERCasefolderidentifierExceptionHandlingandResultMessagesTheCreditManagementAPIsreturnthreetypesofinformationtoitscallingprograms:OverallstatusMessagesdescribingtheoperationsperformedorerrorsencounteredbytheAPIsF-14OracleCreditManagementUserGuideSomeoutputvaluesthattheAPIcallermightwanttouse(thisisdifferentfordifferentAPIroutinesandisdescribedinAPIUsage,pageF-3)ReturnStatusThereturnstatus(x_return_status)oftheAPIinformsthecallerabouttheresultoftheoperation(oroperations)performedbytheAPI.
ThedifferentpossiblevaluesforanAPIreturnstatusare:Success(FND_API.
G_RET_STS_SUCCESS)Error(FND_API.
G_RET_STS_ERROR)Unexpectederror(FND_API.
G_RET_STS_UNEXP_ERROR)Thefollowingsectiondescribesthedifferentvaluesofreturnstatusandtheirmeanings.
SuccessAsuccessreturnstatusmeansthattheAPIwasabletoperformalltheoperationsrequestedbyitscaller.
AsuccessreturnstatusmaybeaccompaniedbymessagesintheAPImessagelistwhichwillbeinformative.
ErrorAnerrorreturnstatusmeansthattheAPIfailedtoperformsomeoralloftheoperationsrequestedbyitscaller.
Anerrorreturnstatusisusuallyaccompaniedbymessagesdescribingtheerror(orerrors)andhowtofixit.
Inmostcases,youshouldbeabletotakecorrectiveactiontofixregular,expectederrorssuchasmissingattributesorinvaliddateranges.
UnexpectederrorAnunexpectederrorstatusmeansthattheAPIhasencounteredanerrorconditionitdidnotexpectorcouldnothandle.
Inthiscase,theAPIisunabletocontinuewithitsregularprocessing.
Examplesofsucherrorsareunrecoverabledataconsistencyerrors,memoryerrors,andprogrammingerrors(suchasattemptingadivisionbyzero).
Inmostcases,onlysystemadministratorsorapplicationdeveloperscanfixtheseunexpectederrors.
MessagesTheAPIsputresultmessagesintoamessagelist.
ProgramscallingtheAPIscanthengetthemessagesfromthelistandprocessthembyissuingthem,loadingthemintoadatabasetable,orwritingthemtoalogfile.
MessagesarestoredinanencodedformattolettheAPIcallersfindmessagenamesusingthestandardfunctionsprovidedbythemessagedictionary.
Italsoallowsthestoringofthesemessagesindatabasetablesandreportingoffthesetablesindifferentlanguages.
CreditManagementAPIUserNotesF-15TheAPImessagelistmustbeinitializedeverytimeaprogramcallsanAPI.
APIcallerscaneithercallthemessagelistutilityfunctionFND_MSG_PUB.
InitializeorrequestthattheAPIdotheinitializationontheirbehalfbysettingthep_init_msg_listparametertoTRUE.
TheprogramcallingtheAPIcanretrievemessagesfromthemessagestackusingtheexistingFNDAPIfunctionsFND_MSG_PUB.
Count_MsgandFND_MSG_PUB.
Get.
MessageLevelThresholdThemessagelevelthresholdisstoredinaprofileoptionnamedFND_API_MSG_LEVEL_THRESHOLD.
Thisprofileoptioncanbeupdatedatalllevels(site,application,oruser).
TheAPIchecksagainstthisthresholdbeforewritingamessagetotheAPImessagelist.
Index-1IndexAAPIsCreateCreditRequest,F-3CreditRequestCreation,4-2GetExternalDecision,F-11Guarantor,F-9UpdateCreditRequest,F-7WithdrawCreditRequest,F-8AR:Allowsummarytablerefreshprofileoption,A-3AR:CreditHierarchyTypeprofileoption,A-3AR:DefaultCreditManagementCurrencyprofileoption,A-3AssignCustomerCreditClassificationprogram,2-13attachmentstocasefolders,4-20tocreditapplications,4-8automationrulesassigning,3-17defining,3-17Ccasefoldersaddinganalysisnotes,4-19collectingdata,4-12creditchecklists,4-4enteringdata,4-15manuallycreating,4-16refreshingdata,4-20retrieving,4-14using,4-18viewingattachments,4-20creditanalystsassigningtoaccounts,2-12assigningtoacreditreview,4-2defining,2-1reassigning,6-3creditapplicationscollectingdata,4-4creating,4-5enteringdata,4-8in-processapplications,4-7savedapplications,4-7submitting,4-11windowreference,4-6,4-7,4-8,4-9workflow,B-1creditchecklistsaddingD&Bdatapoints,3-8collectingdata,4-3defining,3-5forcasefolders,4-4forcreditapplications,4-3creditdataanalyzing,4-16collecting,4-3credithierarchiesdefining,7-3CreditRequestCreationAPI,4-2creditreviewsanalyzingcreditdata,4-16assigningananalyst,4-2calculatingscores,4-18collectingdata,4-3Index-2creditapplications,4-3,4-4creditsummaries,4-20initiating,4-2overviewofprocessing,4-1reassigning,6-2recommendations,4-21schedulingperiodicreviews,4-24CreditScheduler,2-12,4-11creditsummariesviewing,4-20creditusagerulesets,7-1CustomerProfileClasseswindow,2-12customersupdatingprofileclasses,2-12DD&BSeeDun&Bradstreetdatapoints,3-2assigningscoringattributes,3-10assigningweights,3-11DataQualityManagementsearch,4-5settingupsearch,2-3dayssalesoutstandingsystemoption,2-9Dun&Bradstreetaddingdatapointstochecklists,3-8EE-BusinessSuiteintegration,5-1GGetExternalDecisionAPI,F-11GuarantorAPI,F-9Llookups,2-10Nnotesanalysisnotes,4-19OOracleApprovalsManagement,B-1OracleLeaseManagementintegration,5-3OracleLoansintegration,5-6OracleOrderManagementcreditusagerulesets,7-1OracleTradingCommunityArchitectureD&Bintegration,2-3,3-8RelationshipManager,7-3overview,1-1PpagesAutomationRules,3-17Checklists,3-5CreditAnalysis,4-16CreditSummary,4-20ReassignCreditReviews,6-2scoringmodels,3-9performancereviewing,3-25PeriodicCreditReviewprogram,4-24PeriodicReviewEligibilityreport,4-26profileoptioncategoriesCreditPoliciesManagement,A-2description,A-1overview,A-1profileoptionsAR:Allowsummarytablerefresh,A-3AR:CreditHierarchyType,A-3AR:DefaultCreditManagementCurrency,A-3descriptions,A-1overview,A-1programsAssignCustomerCreditClassification,2-13DQMStaging,2-3PeriodicCreditReview,4-24ReassignCreditAnalyst,6-3RReassignCreditAnalystProgram,6-3ReassignCreditReviewspage,6-2recommendationsdefining,3-20Index-3definingforintegratedapplications,5-1implementing,4-23making,4-21settingup,3-19relationshipsdefiningcredithierarchies,7-3reportsPeriodicReviewEligibility,4-26ResourceManager,2-1rulesautomationrules,3-17creditusagerulesets,7-1Sscorescredit,4-18scoringmodelsassigningscoringattributes,3-10assigningweights,3-11automationrules,3-17defining,3-9settingupAssignCustomerCreditClassificationprogram,2-13assigningcreditanalysts,2-12automatedreviewexample,3-23automationrules,3-17CreditManagementApplicationWorkflow,B-2creditusagerulesets,7-1definingchecklists,3-5definingcreditanalysts,2-1definingcredithierarchies,7-3definingscoringmodels,3-9lookups,2-10overview,3-1ReassignCreditAnalystprogram,6-3systemoptions,2-7updatingprofiles,2-12systemoptions,2-7UUpdateCreditRequestAPI,F-7WwindowreferenceApplications,4-6,4-7,4-8,4-9windowsCustomerProfileClasses,2-12WithdrawCreditRequestAPI,F-8workflowsCreditManagementApplication,B-1CreditManagementApplicationactivities,B-3CreditManagementApplicationsetup,B-2CreditScheduler,4-11