Oracle Banking Corporate Lending

5.1 Oracle Banking Corporate Lending

Oracle® Banking Corporate Lending requires the following services for Oracle® Banking Supply Chain Finance Cloud Service integration. Make sure that the following services are available before the implementation:

Table 5-1 Corporate Lending Integration Touch Points

Integration Touch Point	Stage in OBSCF	Purpose	Mandatory Request Parameters	Mandatory Response Parameters
Product Mapping	Day0 Set Up	Used in invoking API of Loan Processor during Transaction Processing.	-	-
Get Interest Details	Master Maintenance - Preferential Pricing	Used to get Interest Parameters which would be overridden by the user maintaining Preferential pricing for a Customer, program, Product etc. in SCF.	Product Code	Interest Type (Front Ended/Rear Ended)
Get Interest Details	Processing - Finance Workflow	Used to get Interest Parameters during Transaction Processing if no set up of Preferential pricing is available, User can override these parameters and these parameters are sent to Loan processor during Loan Creation.	Product Code	Interest Rate Type (Floating/Fixed) Interest Rate Code (in case of Floating) Interest Rate (with slabs if applicable) Spread if any (with +ve, -ve indicator) Rate Reset Details (with Floating Rate)
Get Overdue Interest Details	Master Maintenance - Preferential Pricing	Used to get Overdue Interest Parameters which would be overridden by the user maintaining Preferential pricing for a Customer, program, Product etc., in SCF.	Product Code	Overdue Interest Rate Type (Floating/Fixed)
Get Overdue Interest Details	Processing - Finance Workflow	Used to get Overdue Interest Parameters during Transaction Processing if no set up of Preferential pricing is available, User can override these parameters and these parameters are sent to Loan processor during Loan Creation.	Product Code	Overdue Interest Rate Code (in case of Floating) Overdue Interest Rate (with slabs if applicable) Spread if any (with +ve, -ve indicator) Rate Reset Details (with Floating Rate)
Calculate Interest	Processing - Finance Workflow	Used to calculate Interest basis the Parameters sent by SCF.	Interest Type (Front Ended/Rear Ended) Interest Rate Type (Floating/Fixed) Interest Rate Code (in case of Floating) Interest Rate (with slabs if applicable) Spread if any (with +ve, -ve indicator) Rate Reset Details (with Floating Rate) Transaction Amount & Ccy Business Date Loan Start Date Loan End Date	Interest Amount & Currency Exchange Rate (if Interest Currency is different from Transaction Currency)
Create Loan	Post Authorization - Finance Disbursement	Used to create a Loan in Loan Processor basis the Transaction Details and Loan Parameters sent from SCF. Additionally, RFR contracts are supported.	OBSCF Finance Reference No Transaction Amount & Ccy Business Date Loan Start Date Loan End Date Repayment Type (Bullet) Loan Processor's Product Code Interest Details (as mentioned in 4th point request) Overdue Interest Details (similar to Interest Details) Grace Days Limit Utilization Flag - would be sent as No Alternative Risk-Free Rate Flag must be Y for RFR	Loan Reference Number ICCF Calculation Details Amount Due Details
Get Outstanding Details	EOD - Batch	Used to get Outstanding Details for any Loan from Loan Processor since calculation/Accrual/Amortization would happen in Loan Processor.	Loan Reference No	Principal Outstanding
	Post Authorization - Finance Disbursement	Used to get Outstanding Details for any Loan from Loan Processor since calculation/Accrual/Amortization would happen in Loan Processor.	Business Date	Interest outstanding as on Value Date
	Post Authorization - Finance Settlement	Used to get Outstanding Details for any Loan from Loan Processor since calculation/Accrual/Amortization would happen in Loan Processor.	Value Date	Overdue Interest Outstanding as on Value Date
Loan Repayment	Post Authorization - Finance Settlement	Used to Partly Settle/Fully Settle Loan in Loan Processor.	Loan Reference No Business Date Value Date Repayment Amount Amount Paid Towards Principal Amount Paid Towards Interest Amount Paid Towards Overdue Interest Accounting Information (Suppressing Posting of Accounting Entries from Loan Processor) Limit Utilization Flag - would be sent as No	Principal Outstanding Total Interest Outstanding Total Overdue Interest Outstanding (If all the above components are 0 then loan would be marked as Fully Settled in OBSCF assuming it would have been fully settled in Loan Processor as well)
Accounting Entries Mapping	Day0 Set up	Usage of a Bridge GL instead of actual customer/eft suspense accounts in OBCL.	-	-
Delinquency & NPA management	Day0 Set up	Used in OBSCF to display with other Product Parameters.	-	-
	EOD - Batch	Used to get the status (Delinquency bucket) of the loan.	Loan Reference No Value Date	Delinquency Bucket
	EOD - Batch	Used to get the status of the Borrower.	Borrower Id Value Date	Delinquency Bucket NPA (Yes/No)
Query the Contract	Post Payment EOD - Batch	Used to get the compounding calculation.	Contract Reference No	Interest Amount fields ICCF Contract fields
Query the Accruals	Post Payment EOD - Batch	Used to query the interest accrued for front ended contract and to get liquidation count, amendment count, and reverse payment counts.	Contract Reference No	Liquidation Count Amendment Count Reverse Payment Count
Spread Change	EOD - Batch	Used to modify the contract spread.	Contract Reference No Spread	Interest Amount fields
Payment Reversal	Rejection of Payment	Used to reverse the payment.	Contract Reference No	Status
Fetch the Refund Amount	Before payment of front ended loans	Payment simulation to get refund details.	Loan Reference No Business Date Value Date Repayment Amount Amount Paid Towards Principal Amount Paid Towards Interest Amount Paid Towards Overdue Interest	Refund amount
Fetch Transaction Status	Rejection of transaction	Used to query the Customer information to fetch the contract reference no.	Customer Id Finance Reference No	Contract Reference No
Rejection of the Contract	Rejection of transaction	Used to reverse the contract.	Contract Reference No Branch Code	Status
ModifyContAmendSim	Before Modifying the transaction	Used to get the refund amount, and other interest details.	Maturity Date Rate Type Interest Basis Rate Type Fixed and Floating details	Interest Details Amount Due Details Amount Settled Details Contract ICCF Details
ModifyContAmend	Modifying the transaction	Used to modify the maturity date, and interest details.	Maturity Date Rate Type Interest Basis Rate Type Fixed and Floating details	Cashflow Details Amount Due Details

Note:

*Status, Error Code, and Error Description are mandatory response parameters in all touch points.

Note:

We can invoke Oracle Banking Corporate Lending EOD and EOC Monitor from Oracle® Banking Supply Chain Finance Cloud Service, this gets called from DSL directly if Oracle Banking Corporate Lending integration is needed.

Parent topic: Outbound API calls through Oracle® Banking Routing Hub