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The OE_CREDIT_BALANCES_ALL table in Oracle E-Business Suite (EBS) 12.1.1 or 12.2.2 is a critical repository for tracking credit-related balances associated with customers in the Order Management (OM) module. This table stores cumulative credit information, including available credit limits, utilized credit amounts, and outstanding balances, ensuring accurate credit management and risk assessment during order processing. It integrates with Oracle Receivables (AR) and Oracle Advanced Pricing to enforce credit policies and validate order approvals.

Key Attributes and Structure

The OE_CREDIT_BALANCES_ALL table is designed with multi-organization support (indicated by the "_ALL" suffix), allowing data segregation by operating unit. Key columns include:
  • CUSTOMER_ID: References the customer account in HZ_CUST_ACCOUNTS.
  • CREDIT_LIMIT: The total credit limit assigned to the customer.
  • USED_CREDIT: The portion of the credit limit already utilized.
  • AVAILABLE_CREDIT: Derived as CREDIT_LIMIT – USED_CREDIT.
  • CURRENCY_CODE: The currency of the credit balance (linked to FND_CURRENCIES).
  • ORG_ID: Identifies the operating unit for multi-org compliance.
Additional columns track aging buckets, payment terms, and last update timestamps, facilitating reconciliation with AR data.

Functional Role in Order Management

The table supports real-time credit checks during order entry. When a user submits an order, Oracle OM queries OE_CREDIT_BALANCES_ALL to:
  1. Validate if the order amount exceeds the customer’s AVAILABLE_CREDIT.
  2. Trigger workflow holds or approvals based on credit thresholds.
  3. Update USED_CREDIT upon order booking, reducing available credit.
Credit balances are periodically synchronized with AR (AR_CASH_RECEIPTS, AR_PAYMENT_SCHEDULES) to reflect payments, adjustments, or write-offs.

Integration Points

  • Oracle Receivables: Credit utilization data flows to AR for aging reports and dunning.
  • Oracle Advanced Collections: Balances are used for delinquency analysis.
  • Oracle Trade Management: Supports credit exposure calculations for trade deals.

Technical Considerations

  • Indexes: Key indexes on CUSTOMER_ID, ORG_ID, and CURRENCY_CODE optimize query performance.
  • Partitioning: Large implementations may partition by ORG_ID or aging periods.
  • APIs: The OE_CREDIT_PUB package provides programmatic access for custom credit checks.

Customization and Extensions

Organizations often extend the table’s functionality by:
  • Adding custom columns for industry-specific credit scoring.
  • Creating triggers to enforce tiered credit limits.
  • Integrating with external credit bureaus via Oracle Integration Hub.

Audit and Compliance

The table logs changes to credit limits (via FND_AUDIT_COLUMNS attributes), supporting SOX compliance. Reports leverage OE_CREDIT_BALANCES_ALL to demonstrate adherence to credit policies during audits.

Conclusion

In Oracle EBS 12.1.1/12.2.2, OE_CREDIT_BALANCES_ALL serves as the backbone for credit management, ensuring financial controls while enabling flexible order processing. Its integration with OM, AR, and Collections modules provides a unified view of customer creditworthiness, reducing risk and improving cash flow visibility.