Read more
Zusatztext Die Kreditgewährung an Unternehmen ist ein komplexer Vorgang! bei dem Kreditmanagertäglich (über-) lebenswichtige Entscheidungen treffen müssen. "Credit RiskManagement" bietet eine umfassende Übersicht über diesen schwierigen Prozeß.Diskutiert werden u.a. folgende wichtige Themen: die korrekte Analyse derFinanzdaten des Kreditsuchenden! Sammlung anderer notwendiger Daten! dienicht mitgeliefert werden! Untersuchung aller Faktoren! die Auswirkungenauf diese Entscheidung haben und Entscheidung über Gewährung oder Ablehnungdes Kredites. Informationen zum Autor 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. Klappentext How to decide when to say "yes" to a credit applicant-without 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 statements-it takes the kind of advice only an experienced credit expert, like Hal Schaeffer, can give. A 28-year veteran of the credit screening process, Schaeffer outlines the nuts-and-bolts of assessing a credit applicant's financial health and ability to make good on a line of credit. In part one's clear, four-part "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 chapter-length 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 sale-large (or small); one-time deal or continuous; the expected profit margin* The controls your company has over the customerComplete with twelve chapter-length real-world case studies of problems typically encountered (with detailed solutions), Credit Risk Management offers practical, no-nonsense advice on how to minimize the risks-and maximize the benefits-to you and your company when you finally say "yes" to an applicant. Zusammenfassung Die Kreditgewährung an Unternehmen ist ein komplexer Vorgang, bei dem Kreditmanager täglich (über-) lebenswichtige Entscheidungen treffen müssen. "Credit Risk Management" bietet eine umfassende Übersicht über diesen schwierigen Prozeß. Diskutiert werden u.a. folgende wichtige Themen: die korrekte Analyse der Finanzdaten des Kreditsuchenden, Sammlung anderer notwendiger Daten, die nicht mitgeliefert werden, Untersuchung aller Faktoren, die Auswirkungen auf diese Entscheidung haben und Entscheidung über Gewährung oder Ablehnung des Kredites. Inhaltsverzeichnis STEPS FOR A SOUND BUSINESS CREDIT DECISION. A Is for Analysis for Creative Credit Management. B ...
