Business Credit

Business Credit is a magazine covering finance, business risk management and provides information for the extension of credit, maintenance of accounts receivable, and cash asset management. It is published 10 times per year by the National Association of Credit Management.Subjects for Business Credit include banking, finance and investments.

Articles from Vol. 118, No. 4, April

Achieve Success in Global Credit
We live in a globally connected business community today. I've long listened to debates among fellow credit and financial professionals as to whether credit management is an art or a science--in my opinion, it's both. Science definitely comes into...
Anne Scarcella, CCE
Anne Scarcella, CCE, credit manager and corporate accountant at Windsor Door in Little Rock, AR, started her trade credit career in the Houston area in the late 1990s. Though she held a job that covered various accounting areas, Scarcella said she...
A World of Unrest Challenges the Credit Profession
Technical innovations continue to bring about significant advances within credit management systems. Scoring card ratios and more efficient and faster means of communication have provided the profession with much better tools to manage risk. Even with...
CMI February Combined Totals Remain Unchanged
The question for credit managers, according to the February CMI, is whether the positive trends in the sub-categories will be strong enough to pull the data forward in the weaker categories indicating an easing of credit or more challenges ahead. ...
Corruption a Continuing Problem in Global Business
More countries improved their respective ratings than lost ground in Transparency International's (TI) 2015 Corruption Perceptions Index, released this January. However, the blight of corruption continues to hold businesses and citizens back, as more...
Covering Global Bases
Credit applications provide a mechanism to obtain as much information as possible from a prospective customer so credit professionals can make informed decisions about whether to extend credit and improve the odds of enforcing payment of the debt. "That's...
Covering Global Bases: International Credit Applications Must Minimize Customer, Country and Currency Risks
Credit applications provide a mechanism to obtain as much information as possible from a prospective customer so credit professionals can make informed decisions about whether to extend credit and improve the odds of enforcing payment of the debt....
Get on the Plane, Get Credit 'Street Smart'
As credit professionals, we like to think of ourselves as being street smart. We're not just somebody behind a desk saying, "Here's your limit; here's what to do." We deal with difficult situations and how to resolve them. When dealing with foreign...
Global Banks as a Barometer for Monitoring Emerging Credit Risk
The years since the financial crisis of 2008 have taught creditors and analysts some important lessons: Customer creditworthiness is transient and is driven by a concatenation of market and macroeconomic factors, as well as idiosyncratic customer variables....
India Benefits from the Oil Price Fall
For many years, the Indian economy has been on the verge of challenging the Chinese for global growth supremacy. That day may have arrived--if the official Indian statistics can be relied upon. The fall in oil prices may be a huge problem for the...
Making Good Credit Decisions Even without Advanced International Expertise
International credit is a tough arena, especially if it's not something you work in every day. A credit manager may find out that a new account being established has a foreign parent or that the account itself is foreign-based. Here's the good news:...
Nacm Designee Spotlight
Anne Scarcella, CCEAnne Scarcella, CCE, credit manager and corporate accountant at Windsor Door In Little Rock, AR, started her trade credit career in the Houston area In the late 1990s. Though she held a job that covered various accounting areas, Scarcella...
NACM'S 120[TM] Credit Congress & Expo June 12-15, 2016: Caesar Palace Las Vegas Nevada
In June, NACM will host the 120TH Credit Congress & EXPO AT THE MAGNIFICENT CAESARS PALACE LAS VEGAS. COME BE A PART OF THIS GRAND TRADITION OF EDUCATION. PROFESSIONAL DEVELOPMENT AND CAMARADERIE AMONG BUSINESS CREDIT PROFESSIONALS FROM AROUND...
Political Turmoil, Courts Making South America an Ongoing Slow Pay Risk
Politics generally plays a large role in the success or demise of an economy. Some South American countries in particular have been faced with corrupt politicians, currency controls and violent protests and riots. For credit professionals doing business...
Post-Judgment Collection Strategies: Know Your Basic Options
Credit managers beware! Entry of a judgment against a debtor will most likely not end your payment battle, even after a hard-fought lawsuit concludes. A ruling that is final, due and payable doesn't mean a judgment debtor is automatically required...
Speed, 'Freshness' of Info Makes World of Difference
Changes, especially negative ones, occur extraordinarily fast in today's world. Information about a region, a company or a person can become obsolete in a matter of days or weeks, not months or years. Take the tragic bombing in Ankara, Turkey in...
Speed,'Freshness' of Info Makes World of Difference
Changes, especially negative ones, occur extraordinarily fast in todays world. Information about a region, a company or a person can become obsolete in a matter of days or weeks, not months or years.Take the tragic bombing in Ankara, Turkey in mid-February,...
Stolen Identities
Much has been written about consumer identify theft, but criminals are also targeting companies and assuming their identities. "Any type of business or organization of any size or legal structure-including sole proprietorships, partnerships, LLCs, trusts,...
Stolen Identities: Corporate Identity Theft Takes Due Diligence and Knowing Your Customer to a New Level
Much has been written about consumer identify theft, but criminals are also targeting companies and assuming their identities. "Any type of business or organization of any size or legal structure--including sole proprietorships, partnerships, LLCs,...
The Timing of Receipt of Goods in International Transactions Could Be Hazardous to Section 503(b)(9) Priority Status
Trade creditors received significant additional protection by the addition of Section 503(b)(9) to the Bankruptcy Code. Section 503(b)(9) grants goods sellers an administrative priority claim for the value of goods sold in the ordinary course of business...
Worry about the Profits, Not Just the Metrics
Three weeks into my new job as credit manager, my company's sales representative and I walked into a prospect's cramped lobby in Pennsylvania. After a 10-minute wait, the owner greeted us and ushered us to a dark conference room deep in the recesses...
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