{"product_id":"credit-risk-management-a-guide-to-sound-business-decisions-9780471350200","title":"Credit Risk Management: A Guide to Sound Business Decisions","description":"\u003cp\u003e • Author(s): H. A. Schaeffer\u003cbr\u003e • Publisher: Wiley\u003cbr\u003e • Publisher Imprint: Wiley\u003cbr\u003e • BISAC: Marketing - General\u003c\/p\u003e\u003cp\u003eHow 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 \u0026amp; 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:\u003cbr\u003e * Determining the cost and accuracy of financial information\u003cbr\u003e * Isolating information gaps in financial records\u003cbr\u003e * 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\u003cbr\u003e * The exact nature of the sale-large (or small); one-time deal or continuous; the expected profit margin\u003cbr\u003e * The controls your company has over the customer\u003cbr\u003e Complete 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.\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Hardcover","offer_id":45201406984343,"sku":"9780471350200","price":16656.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0666\/3471\/1191\/files\/9780471350200.webp?v=1767307326","url":"https:\/\/atlanticbooks.com\/products\/credit-risk-management-a-guide-to-sound-business-decisions-9780471350200","provider":"Atlantic Books","version":"1.0","type":"link"}