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Credit Risk Management: A Guide to Sound Business Decisions,Used
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How to decide when to say 'yes' to a credit applicantwithout jeopardizing your reputation or your company's bottom line Deciding whether a credit applicant is ultimately creditworthy involves more than just poring over their financial statementsit takes the kind of advice only an experienced credit expert, like Hal Schaeffer, can give. A 28year veteran of the credit screening process, Schaeffer outlines the nutsandbolts of assessing a credit applicant's financial health and ability to make good on a line of credit. In part one's clear, fourpart '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), the author examines a prospective borrower from every angle, using formulas, checklists of what to look for, and available outside information sources (from Dun & Bradstreet to the Internet) to get a genuine picture of an applicant's current finances and degree of credit risk. Also outlined are the financial, credit, and business factors that go into a 'sound business credit decision' a guideline for consolidating facts to vindicate your decision, as well as a series of twelve chapterlength case studies (contained in part two). Discussion includes:* Determining the cost and accuracy of financial information* Isolating information gaps in financial records* The actual costs (including total/partial loss of sale, insurance fees) and value (including future sales to the customer) to your company if credit is extended* The exact nature of the salelarge (or small); onetime deal or continuous; the expected profit margin* The controls your company has over the customerComplete with twelve chapterlength realworld case studies of problems typically encountered (with detailed solutions), Credit Risk Management offers practical, nononsense advice on how to minimize the risksand maximize the benefitsto you and your company when you finally say 'yes' to an applicant.
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