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Borrower Change (New) ( RELNBANK_463_CML_SW )

Borrower Change (New) ( RELNBANK_463_CML_SW )

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Borrower Change (New)

Use

In the Workplace for Business Operations, you use the Borrower Change function to change the main borrower in an existing contract, without having to assign a new contract number. Unlike in cases of capital transfer, the loan contract stays the same and all of the data and history is retained. The new main borrower enters into the contract taking on all the rights and obligations. You implement the Borrower Change for loans given that are managed on the basis of customer accounts. The Borrower Change cannot be entered using Batch-Input and is not supported for product types with active determination of price/rate gain. For all other forms of loan you use the existing function Capital Transfer. However, when you use this function the system does not retain the original contract but creates a new one instead.

You use this function to process borrower changes that have arisen for the following reasons:

  • Succession (inheritance of debt)
  • Change of Legal Form
  • Release from Debt Liability
  • Joint Debt Liability
  • Merger
  • Adjustment

The Borrower Change processes the business operation, is integrated in the status concept (possible status Entered or Executed, for example), and is linked to the release procedure.

Control Data

  • Use the Enter/Save function to create a new business operation. The system saves the borrower change data in parallel with the contract data so no postings or changes are made to the contract.
  • Choose Change to edit the borrower change in status Entered.
  • Choose Display to display the business operation in its current status. Unlike in other functions, this does not lock the contract.
  • If the Release function is activated, you use the To be released function to forward the business operation borrower change to the inbox of the Workplace for Business Operations. From there, it is released. The status is changed to Released. You can then execute the business operation from the borrower chnage screen.
  • Choose Execute to post the entire process of the business operation at once. If necessary, post existing additional flows online as these are not posted automatically. This also applies to the transfer-posting of open items.
  • You can delete a business operation and you can use the Reset function to undo the executed business operation borrower change as far as possible.
  • If the loan is assigned to a finance project, you have to carry out collective processing for all of the loans in a finance project. In other words, you also have to either enter, delete, execute, or reset a borrower change for these loans.
  • You have the option of using a separate user-exit to generate tabstrips that you can use to create customer-specific entry fields.

Back Office and Posting Functions

  • The existing contract is retained during a borrower change.
  • You create the new main borrower directly in the borrower change screen.
  • The system displays the change of main borrowers in the Partner List with a Start/End Date.
  • The system transfers the payment information, which you enter with the new main borrower, to the conditions. (Such as partner bank category and payment method). It then updates the planned records according to the adjusted conditions.
  • Additional flows such as charge postings, which you enter manually, are posted with the borrower change in a single step.
  • On the tabstrip Open Items the system displays the open items for the loan differentiated according to overdue items and credit. These are displayed using the Open Item Tool that also displays the block status for each open item for information purposes. Blocks are not set in the borrower change function but in other applications and they do not affect the execution of the borrower change.
  • You execute the borrower change as an online posting.
  • The (remaining) open items for the previous main borrower that exist when the borrower change is executed are transfer posted to the new main borrower. A new remaining item is created for each open item in the customer account of the new main borrower. If a disbursement exists that is posted but not yet paid out then this needs to be cleared or reversed before you can execute the borrower change.
  • All cleared items stay with the old main borrower. This does not apply to cleared items with a posting date after the posting date of the borrower change if a balance sheet transfer is being carried out with the borrower change. These cleared items are transfer posted to the new main borrower by means of a reversal. Future postings will be made via the main borrower. Items that have been reactivated after the borrower change - for example, by way of a reversal or return debit memo - are posted using the new main borrower.

Correspondence

  • You can also generate relevant correspondence for the borrower change according to specific languages and roles.

Effects on Existing Data

Effects on Data Transfer

Effects on System Administration

Effects on Customizing

In the Company Code-Dependant Settings for Product Type under Reversal, you enter the payment information for the reactivated open items, such as the payment method and payment block, for each company code and product type.

In the IMG activity Define Condition Groups → Assign Flow Type to Condition Group per Application, you define the flow types relevant for charges. You enter the charges using the application function 450: Borrower Change Additional Flows

Choose Define General Control Data to define tabstrips in which you can make entries later in the system - for example, for basic data or additional flows - per company code and product type.

You enter the account determination for the transfer-posting of open items in the IMG activity Define Clearing Account for Open Item Transfer Posting.

You enter the reason for the borrower change in Define Reasons for Borrower Change.

If you want to use the correspondence tools within the borrower change function, you have to replace the flow types relevant for the additional flows with external flow types. In Define External Flow Types, select a name for the external flow type that will be comprehensible to the new main borrower in the correspondence. In the activity Assign External Flow Type to Report Category you assign the external flow type to the report category 02 External Account Statement, Payoff Letter. Under Assign External Flow Type to (Internal) Flow Type replace the (internal)flow types relevant for the borrower change with external flow types per company code and for the report type 02 External Account Statement, Payoff Letter.

Note: Under Define Documents, in the Details screen, you need to leave the field Report Type empty for each letter concerning the borrower change. If the outbound letter is to be archived in file management automatically, you need to define a Document Type.

In the activity Define Company Code-Specific Texts you can define posting texts for each company code and application function. In the Business Operation Header in the application, you can select a text using the F4 possible entry help. This text is used as the predefined posting text on the Additional Posting Data screen when you execute the borrower change. See also the Release Notes for Release Banking 4.62/ CFM 1.0.

Under Default Values for Line Item Texts you can define proposals for line item texts for each company code, product type, and application function depednding the flow type. You can also change the text that is predefined in the application on the tab page Additional Flows and appears on the FI document when the borrower change is carried out. See also the Release Notes for Release Banking 4.62/ CFM 1.0.

If you need to exclude additional flows from the dunning run (cost or charge flows that have been entered manually on the Additional Flows tab page),you can set a dunning block per company code, product type, and application function depending on the flow type under Default Values for Dunning Block and Payment Method. You also define a payment method for the additional flows here. You can also change the predefined payment method on the Additional Flows tab page.

In the activity Maintain Active Indicators you activate the release object DEBTTR Borrower Change. To use the release-workflow, you need to define the release parameters for this release object under Define Release Status Parameters. Under Maintain Workflow Settings you create the relevant areas of responsibility for this release object and assign the required processors to them. See also the Release Note Release Workflow/Agent Assignment (Enhanced)

Using transaction PFCG you need to maintain the authorization data and generate the profiles for the borrower change function.

Further Information

For further information, refer to the documentation for the individual IMG activities and the online documentation under Loans Management → Position Management → Business Operations → Borrower Change






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