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FINERACT-2455: WC charge adjustment on closed/overpaid loans #6125

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adamsaghy merged 2 commits into from
Jul 20, 2026
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FINERACT-2455: WC charge adjustment on closed/overpaid loans #6125

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f1f0611
FINERACT-2455: working capital charge adjustment on closed loans - in…
budaidev Jul 17, 2026
2fdf217
FINERACT-2455: added e2e tests for working capital charge adjustment …
ruzeynalov Jul 17, 2026
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165 changes: 165 additions & 0 deletions ...t-e2e-tests-runner/src/test/resources/features/WorkingCapitalLoanChargeAdjustment.feature
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Expand Up @@ -469,3 +469,168 @@ Feature: WorkingCapitalLoanChargeAdjustmentFeature
# --- Close loan ---
When Admin closes the Working Capital loan with a full repayment on "25 January 2026"
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"

@TestRailId:C85617
Scenario: Verify Working Capital charge adjustment - UC14: adjustment on closed loan books overpayment and moves loan to OVERPAID
Given Admin sets the business date to "01 January 2026"
And Admin creates a client with random data and creates-approves-disburses a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPayment | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date charge to working capital loan with "01 January 2026" due date and 100.0 transaction amount
When Admin sets the business date to "10 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
And Customer makes repayment on "10 January 2026" with 9100 transaction amount on Working Capital loan
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"
And Working Capital Loan charge balances has the following data:
| Fee Amount | Fee Outstanding | Fee Paid | Penalty Amount | Penalty Outstanding | Penalty Paid |
| 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 |
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 0.0 |
When Admin makes a charge adjustment for the last added charge with 100.0 amount on working capital loan
Then Working Capital loan status will be "OVERPAID"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 100.0 |
# Fee buckets must stay untouched - the full adjustment amount is overpayment, not a second charge payment
And Working Capital Loan charge balances has the following data:
| Fee Amount | Fee Outstanding | Fee Paid | Penalty Amount | Penalty Outstanding | Penalty Paid |
| 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 |

@TestRailId:C85618
Scenario: Verify Working Capital charge adjustment - UC15: partial adjustment on closed loan is fully booked as overpayment
Given Admin sets the business date to "01 January 2026"
And Admin creates a client with random data and creates-approves-disburses a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPayment | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date charge to working capital loan with "01 January 2026" due date and 100.0 transaction amount
When Admin sets the business date to "10 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
And Customer makes repayment on "10 January 2026" with 9100 transaction amount on Working Capital loan
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"
When Admin makes a charge adjustment for the last added charge with 40.0 amount on working capital loan
Then Working Capital loan status will be "OVERPAID"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 40.0 |
And Working Capital Loan charge balances has the following data:
| Fee Amount | Fee Outstanding | Fee Paid | Penalty Amount | Penalty Outstanding | Penalty Paid |
| 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 |

@TestRailId:C85619
Scenario: Verify Working Capital charge adjustment - UC16: adjustment on already overpaid loan increases the overpayment
Given Admin sets the business date to "01 January 2026"
And Admin creates a client with random data and creates-approves-disburses a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPayment | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date charge to working capital loan with "01 January 2026" due date and 100.0 transaction amount
When Admin sets the business date to "10 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
And Customer makes repayment on "10 January 2026" with 9300 transaction amount on Working Capital loan
Then Working Capital loan status will be "OVERPAID"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 200.0 |
When Admin makes a charge adjustment for the last added charge with 100.0 amount on working capital loan
Then Working Capital loan status will be "OVERPAID"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 300.0 |
And Working Capital Loan charge balances has the following data:
| Fee Amount | Fee Outstanding | Fee Paid | Penalty Amount | Penalty Outstanding | Penalty Paid |
| 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 |

@TestRailId:C85620
Scenario: Verify Working Capital charge adjustment - UC17: penalty charge adjustment on closed loan books overpayment
Given Admin sets the business date to "01 January 2026"
And Admin creates a client with random data and creates-approves-disburses a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPayment | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_PENALTY" specified due date charge to working capital loan with "01 January 2026" due date and 50.0 transaction amount
When Admin sets the business date to "10 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
And Customer makes repayment on "10 January 2026" with 9050 transaction amount on Working Capital loan
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"
When Admin makes a charge adjustment for the last added charge with 50.0 amount on working capital loan
Then Working Capital loan status will be "OVERPAID"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 50.0 |
And Working Capital Loan charge balances has the following data:
| Fee Amount | Fee Outstanding | Fee Paid | Penalty Amount | Penalty Outstanding | Penalty Paid |
| 0.0 | 0.0 | 0.0 | 50.0 | 0.0 | 50.0 |

@TestRailId:C85621
Scenario: Verify Working Capital charge adjustment - UC18: adjustment on closed loan with an outstanding charge settles the charge and keeps the loan closed
Given Admin sets the business date to "01 January 2026"
And Admin creates a client with random data and creates-approves-disburses a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPayment | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
When Admin sets the business date to "05 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
# Charge is due only on 20 January - the repayment on 05 January must not settle it
And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date charge to working capital loan with "20 January 2026" due date and 100.0 transaction amount
And Customer makes repayment on "05 January 2026" with 9000 transaction amount on Working Capital loan
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"
And Working Capital Loan charge balances has the following data:
| Fee Amount | Fee Outstanding | Fee Paid | Penalty Amount | Penalty Outstanding | Penalty Paid |
| 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
# The adjustment settles the still-outstanding charge (there is nothing left to overpay), so the loan stays closed
When Admin makes a charge adjustment for the last added charge with 100.0 amount on working capital loan
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 0.0 |
And Working Capital Loan charge balances has the following data:
| Fee Amount | Fee Outstanding | Fee Paid | Penalty Amount | Penalty Outstanding | Penalty Paid |
| 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 |

@TestRailId:C85622
Scenario: Verify Working Capital charge adjustment - UC19: second adjustment on closed loan exceeding available amount results an error
Given Admin sets the business date to "01 January 2026"
And Admin creates a client with random data and creates-approves-disburses a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPayment | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date charge to working capital loan with "01 January 2026" due date and 100.0 transaction amount
When Admin sets the business date to "10 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
And Customer makes repayment on "10 January 2026" with 9100 transaction amount on Working Capital loan
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"
When Admin makes a charge adjustment for the last added charge with 60.0 amount on working capital loan
Then Working Capital loan status will be "OVERPAID"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 60.0 |
# Available for adjustment = 100 (charge amount) - 60 (already adjusted) = 40, so 50 must be rejected
Then Making a charge adjustment with 50.0 amount on working capital loan results an error with the following data:
| httpCode | errorMessage |
| 403 | Transaction amount cannot be higher than the available charge amount for adjustment |
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 60.0 |

@TestRailId:C85623
Scenario: Verify Working Capital charge adjustment - UC20: reversal of adjustment on closed loan reverts the overpayment and restores closed status
Given Admin sets the business date to "01 January 2026"
And Admin creates a client with random data and creates-approves-disburses a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPayment | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
And Admin adds "WORKING_CAPITAL_SPECIFIED_DUE_DATE_FEE" specified due date charge to working capital loan with "01 January 2026" due date and 100.0 transaction amount
When Admin sets the business date to "10 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
And Customer makes repayment on "10 January 2026" with 9100 transaction amount on Working Capital loan
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"
When Admin makes a charge adjustment for the last added charge with 100.0 amount on working capital loan
Then Working Capital loan status will be "OVERPAID"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 100.0 |
When Admin reverts the last charge adjustment on working capital loan
# The undo must restore the pre-adjustment state: closed loan, no overpayment, fee still settled by the repayment
Then Working Capital loan status will be "CLOSED_OBLIGATIONS_MET"
And Working Capital loan balance payload contains the following fields:
| field | value |
| overpaymentAmount | 0.0 |
And Working Capital Loan charge balances has the following data:
| Fee Amount | Fee Outstanding | Fee Paid | Penalty Amount | Penalty Outstanding | Penalty Paid |
| 100.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 |
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