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Credit risk management

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Credit risk management

Credit risk management

A guide to sound business management

H.A. Schaeffer Jr

280 pages, parution le 01/01/2000

Résumé

Requiring the skills of a diplomat, the insight of a psychologist, and the bottomline realism of a CEO, a credit professional has the unenviable task of judging an applicant's ability to fulfill a credit obligation. The art of determining which prospects are good credit risks is also a nuts-and-bolts financial discipline involving techniques for gathering credit information and assuring its accuracy as well as analyzing and making sense of all the data--ending with a final yes or no.

Developed from courses taught at the American Management Association, one of the nation's leading educational organizations, by a 28year veteran of credit risk assessment, Credit Risk Management is a detailed examination of the entire process of determining the creditworthiness of a prospective borrower and outlines exactly how credit assessments are made. Equal parts realistic analysis and cautionary advice, part one is arranged in an "A, B, C, D" format ("A is for Analysis;' "B is for Building Essential Business Credit Information," "C is for Considering All Factors;' and "D is for Decision"); while part two is composed of twelve chapter-length real-world case studies, each illustrating (with solutions) commonly encountered problems. The book offers detailed, step-by-step guidance, using a variety of analytical approaches, for helping you assess an applicant's financial status and degree of credit risk:

  • Techniques for obtaining financial data, while controlling the cost of acquiring it
  • Common-size analysis-for comparing firms of different sizes to see how successful they are
  • Trend analysis-for comparing financial statements from the present year to previous years
  • How to calculate ratios for inventory turnover, accounts payable turnover, gross profit margin, return on investment
  • Key sources of current business and credit information-including Dun & Bradstreet, Experian, Graydon America, the Internet
  • Determining the cost-effectiveness of information

Also provided is a checklist of financial, credit, and business factors to consider when forming a "sound business credit decision" (including size of the sale, profit margin on sale, your company's level of control over the customer, and other possible costs and value to the company if credit is extended). The book arms you with anticipated best/worst case scenarios (including successfully dealing with customer counteroffers), ways of isolating information gaps, and a guideline for consolidating facts to vindicate your decision. And once you've arrived at a credit decision that is high in value and cost-effective, the book shows you how to eliminate any loopholes in your recommendation to management that might lead to rejection.

The only resource a credit professional needs to perform a detailed analysis of a credit applicant, Credit Risk Management offers detailed, practical, real-world guidance on making a decision that will benefit your company's bottom line-and financial future.

L'auteur - H.A. Schaeffer Jr

H. A. SCHAEFFER Jr., CCE, CEW, is President of D&H Credit Services, Inc., a credit and financial customer service consulting firm to all sizes of manufacturers, wholesalers, government agencies, and credit organizations located in Port Washington, N.Y. He has served as a credit consultant for a number of midsize companies as well as Fortune 500 companies, including Bausch & Lomb and Mobil, Inc. He has taught credit courses for the American Management Association (AMA), the National Association of Credit Management (NACM), and Dun & Bradstreet. He has also taught customized courses for Fortune 500 companies and noncredit organizations.

Caractéristiques techniques

  PAPIER
Éditeur(s) Wiley
Auteur(s) H.A. Schaeffer Jr
Parution 01/01/2000
Nb. de pages 280
Format 16 x 24
Poids 500g
EAN13 9780471350200

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