The Credit Management Application workflow manages the process flow of gathering and analyzing account or prospect credit data, and making and implementing credit decisions.

The workflow always attempts to automatically make and implement credit decisions without user intervention. If the workflow stops due to conditions such as missing data, then the workflow routes notifications to the appropriate credit analyst for resolution.

• If a credit analyst was never assigned because the credit review was automated, then the workflow assigns the credit review to the appropriate credit analyst.

• If a credit analyst cannot be identified, then the workflow notifies the person assigned to the Credit Scheduler role that a credit analyst assignment is required. The Credit Scheduler is a workflow role used in Credit Management to assign credit tasks to credit analysts.

To determine if credit recommendations require approval, the workflow checks the automation rules that you previously defined. If approval is required, then the workflow uses the approval rules that you defined in Oracle Approvals Management (AME).

Oracle Approvals Management is a self-service Web application that you can use to define business rules that govern who must approve transactions in other Oracle applications. Once you define the rules for a given application, the Oracle Approvals Management rules engine manages the approvals for that application's transactions.

See: Oracle Approvals Management Implementation Guide.

• If the recommendation is approved by the appropriate personnel, then the workflow automatically implements the decision and closes the case folder.

• If the recommendation is rejected as it is routed through the approval hierarchy, then the workflow sends notifications to the appropriate personnel and closes the case folder.

This section describes the unmodified workflow program.