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Loans Management

Efficient Loan Management in SAP ERP

Mortgage and loan finance has changed radically over recent years. The deregulation of the financial system (especially in the mortgage market), the emergence of new possibilities of securitization and increased competition amongst mortgage providers  have led to a greater and more flexible supply of products.

The SAP ERP solution Loans Management, formerly SAP CML (Consumer, Corporate Mortgage Loans), has extensive functionality for the management loans, including the data registered in a request, proposal or contract, condition management, cash flow calculator, reporting and real-time accounting transfer to SAP FI.

ConVista has implemented the SAP CML module for a variety of companies in different countries (including Germany, Austria, Switzerland, Brazil, Italy and Spain) and across various sectors. Our close relationship with SAP, and the experience of our consultants, ensures a successful CML implementation, producing a high level of added value. Thanks to an "Easy-to-use-Front-End" and the ability to load data from other applications, the flexibility for the end user increases significantly. The SAP CML module is fully integrated into the SAP environment and offers real-time interfaces to SAP FI and CO. SAP CML provides complex collateral management functions, support for decision making and a number of options to complete contracts. The module includes loan products such as mortgages, consumer loans and loans to employees or facilities.

  • Objects and collaterals management for mortgages
  • Capital transfer: Create a single contract from several and vice versa
  • Posting records: Automatic posting of transactions
  • Creation of payments: Payment transactions for loans are managed through an automatic payment program, on the basis of the customer accounts
  • Payments post processing: Payments that could not be assigned and therefore have been posted to the customer account as a prepayment or an overpayment, or have been posted to the rejection account, can be treated through this function
  • Accrual: Both interest or expenses accrual can be processed through reset or deferral proceedings
  • Reversal: This function can reverse debit positions, incoming payments, payments, transfers of capital and other postings

Norbert Nielsen

+34 91 128 47 48