A solution that deals with Portfolio and Loan Management processes from beginning to end , achieving a complete and flexible administration of credit products. The integration is implemented with the Origination, Guarantees, Collections and Deposits modules.
FINANCIAL SERVICES: PORTFOLIO ADMINISTRATION
SAP FICA CONTRACT ACCOUNTS | SAP FI-AR
NEED
SAP FICA CONTRACT ACCOUNTS
SAP FI-AR
The organization requires a solution for the management of financial assets , this solution must:
SET UP
Products for loans of different lines such as Home Loans, Vehicles, Consumer Loans, Drafts and Credit Quotas, among others.
ALLOW
The management of different amortization plans, the assignment of fixed and variable rates and the basis for the accumulation of interests that allow having the different scenarios used in the market.
TO MODEL
Credit products to manage short payments, excess payments, extraordinary payments and allow the inclusion of charges that are part of the fee and even capitalizable charges.
OFFER
Flexibility to prioritize the application of payments, calculation of interest on arrears and other necessary charges that may be generated depending on the payment behavior of the client.
TO EMIT
The reports and regulatory controls that are mandatory for the solution of the Portfolio Management.
SOLUTION
Actiobyte specializes in implementations to manage the credit lines of different amortization systems such as annuity, fixed amortization to capital, cyclical amortization and amortization at maturity, among others.
Our solution offers flexibility for the use of different currencies, types of fixed or variable rates, interest calculation of 360 or 365 days a year, advance or past due payments, insurance calculation, calculation of handling fees, according to the needs of our client and guaranteeing the correct calculation of the amounts and the complete recovery of the portfolio.
Some of the classes of products available correspond to mortgage loans, consumer loans such as free investment, vehicle, educational, rotating quotas, among others .
The tool allows the creation of extraordinary payments to capital to reduce the term or to recalculate the quota and also the refinancing of debts and the capitalization of concepts defined under the internal policies of each organization.
By integrating with FICA the priority logic in the payment application is possible. The application integrates with our collection system (or external systems) to enable the collection process.
We cover the traditional operations of the management of loans by facilities or installments, including the definition of the product itself, the management of clarification accounts, that is, where payments are made to be applied later, negotiation of conditions, advance payments, postpone payments , account closure and automatic accounting integrated with the accounting module, among others.
TYPES OF PRODUCTS
Mortgage loans
Credit letters
Libranza Loans
Vehicle Loans
General Loan
(For the management of another loan)Consumer loans
Installment loans
Credit lines
Available in the system for the representation of the various types of loan:
You can subdivide your loan operations into product types, which can be used to define specific forms of loan or business zones. Product types are defined in the configuration according to your individual needs, assigning each product type to a product category and group of conditions.
Depending on the needs of the company ...
These values apply to all companies. Additional formulations for consumer credit and installment loans can also be made at the product level.
Her organization
will have tangible benefits such as:
An end-to-end operation of portfolio management processes
A complete and flexible administration of credit products
And the integration with the modules of Origination, Guarantees, Collections and Deposits
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