Credit Risk Management: A Guide to Sound Business Decisions

Book Description

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 customer
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.

Customer Reviews:

YOU WILL NOT FIND WHAT YOU ARE LOOKING FOR IN THIS BOOK.......2005-07-31

UNFORTUNATLY , THIS BOOK DID NOT PROFIDE ME WITH TECNICAL TOOLES TO ANALYSE FINANCIAL STATMENT , THE CASE STUDIES HAS ONLY FEW THINGS TO TEL , I THINK IT IS A GENERAL BOOK IN CREDIT MANAGEMENT .

A Review of Credit Risk Management.......2000-04-19

The book is not comprehensive in going through the mechanics of actual credit analysis. It does not fully detail how a balance sheet, income statement, and cash flow statement come together to give a picture of the customer.

The book also neglects the first crucial part of credit analysis, that is, spreading statements. It does not mention how financial statements, whether they be accountant's report, company prepared, tax returns, etc., need to be altered before any analysis takes place.

Also, the book does not show the parts of cash flow analysis that need further investigation, such as lease expense. Information such as that on tax returns, personal financial statements, personal credit reports, corporate financial statements, etc. come together to accurately state a customer's position is also not detailed.

The book has good case studies, but it lacks the fundamentals of credit analysis.

Customer Reviews:

Great book.......2007-10-06

This is a great book. I first read it in the 70s and have reread it several times since. A lot of good lessons that we would do well to heed today.

Timeless advise.......2003-07-29

We own all of the books the Nearings wrote and this one is a gem. There are those who may think that what they did and wrote about from the 50's to the 70's has no bearings on todays world (2003) but nothing could be further from the truth. Their wisdom on building a stone home, organic garden, composting, and simply realizing that one doesn't need as much materialism as one may think is timeless. The book is out of print but you can buy used copies here on Amazon.com and I urge you to but a copy if you have the slightest interest in simple living, frugality, inner peace and tranquility, preventative health issues, healthy eating, a positive mindset to age one hundred or energy conservation.

Read this book.......2001-12-12

This is one of the best books I have ever read. If you can find a copy, get a hold of this book to learn about how these counter culturists lived their lives in health and peace. Some folks may believe that the Nearing's style is bolder than they are used to, and this is because these people did not sit in ivy towers writing theories, they lived their lives based on their principles, which is admirable in my eyes.

Living the Good Life: How to Live Sanely and Simply in a Troubled World

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Living the Good Life: How to Live Sanely and Simply in a Troubled World
Helen and Scott Nearing Nearing
Manufacturer: Schocken Books
ProductGroup: Book
Binding: Paperback
ASIN: B000LA91VI

Average customer rating:

Living the Good Life How to Live Sanely and Simply in a Troubled World
Scott & Helen Nearing
Manufacturer: Schocken Books
ProductGroup: Book
Binding: Hardcover
ASIN: B000M9M0HA

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Living the Good Life - How to Live Sanely and Simply in a Troubled World
Helen and Scott Nearing
Manufacturer: Schocken
ProductGroup: Book
Binding: Hardcover
ASIN: B000L481X8

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Living the Good Life: How to Live Sanely and Simply in a Troubled World

Manufacturer: Schocken Books
ProductGroup: Book
Binding: Hardcover
ASIN: B000GU4JHO

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Living the Good Life : How to Live Sanely and Simply in a Troubled World
Helen; Nearing, Scott Nearing
Manufacturer: Knopf Publishing Group
ProductGroup: Book
Binding: Paperback
ASIN: B000JCF7XE

Average customer rating:

Living the good life: Being a plain practical account of a twenty year project in a self-subsistent homestead in Vermont, together with remarks on how to live sanely & simply in a troubled world,

Average customer rating:

Living the good life: Being a plain practical account of a twenty year project in a self-subsistent homestead in Vermont, together with remarks on how to live sanely & simply in a troubled world,
Helen Nearing
Manufacturer: Social Science Institute
ProductGroup: Book
Binding: Unknown Binding

Average customer rating:

Living the Good Life: How to Live Sanely and Simply in a Troubled World
Helen and Scott Nearing
Manufacturer: Schocken
ProductGroup: Book
Binding: Hardcover
ASIN: B000T6CAOE

Product Description

Living the Good Life, like Walden, is deeply rooted in an enduring American tradition of dissent from the majority and respect for the land. Moreover, it is the distillation of twenty not two years in the woods, and offers wisdom and practical guidance to city dweller and prospective homesteader alike.

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Living the Good Life: How to Live Sanely and Simply in a Troubled World
Helen and Scott Nearing
Manufacturer: Schocken Books
ProductGroup: Book
Binding: Hardcover
ASIN: B000NWPV68

Book Description

The basic concept of this new edition remains unchanged: Emphasis is again put on a broader description of the general methods and processes for the synthesis, modification and characterization of macromolecules. These more fundamental chapters will be supplemented by 115 selected and detailed experiments. In addition to the preparative aspects the book also gives the reader an impression on the relation of chemical constitution and morphology of Polymers to their properties, as well as on their application areas. Thus, an additional textbook will not be needed in order to understand the experiments.

The 4th edition nevertheless contains numerous changes: Chapter 1 and 2 are enlarged, 15 older examples have been replaced by new ones and background text is added. Suitable for students in organic and polymer chemistry as well as for chemists in industry who want to acquaint themselves with the theoretical and practical aspects of macromolecular chemistry.

From the reviews:

"This is an excellent book for all polymer chemsits engaged in synthesis research studies and education. It is educationally sound and has excellent laboratory synthetic examples. The fundamentals are well done for the teaching of students and references are resonably up-to-date. As in previous issues, there are sections dealing with an introduction; structure and nomenclature; methods and techniques for synthesis, characterization, processing and modification of polymers.

....The authors have noted the following changes from previous editions- a new section on correlayions of structure, morphology and properties; revision and enlargement of other property and characterization procedures; additional new experiments such as controlled radical polymerization; enzymatix polymerizations; microelmulsions; and electrical conducting polymers.

This is a high quality textbook at a reasonable price and should be considered as a suitable references for all engaged in synthetic areas of polymer research." (Eli M. Pearce)

Theory and Practice in the Organic Laboratory with Microscale and Standard Scale Experiments (Brooks/Cole Laboratory Series for Organic Chemistry)

Average customer rating:

Dr. Landgrebe was my organic professor!

Theory and Practice in the Organic Laboratory with Microscale and Standard Scale Experiments (Brooks/Cole Laboratory Series for Organic Chemistry)
John A. Landgrebe
Manufacturer: Brooks Cole
ProductGroup: Book
Binding: Hardcover

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Complete successful lab experiments with THEORY AND PRACTICE IN THE ORGANIC LABORATORY WITH MICROSCALE AND STANDARD SCALE EXPERIMENTS! With coverage of 56 microscale and standard scale procedures and experiments, this chemistry lab text provides you with the tools you need to complete effective experiments. Numerous equipment and apparatus figures throughout improve clarity and save you time during the laboratory. Both the background chapters and the experiments contain exercises to help you understand and master the material.

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Dr. Landgrebe was my organic professor!.......2000-10-19

Dr. Langrebe has produced a comprehensive book although it could stand to be updated. Perhaps he is in the process now. What you can expect from this book is a lot of background information for the 50 expts presented later. The series of 50 experiments involves synthesizing and analyzing various organic compounds. Along side each experiment is the calculated time that it should take which is helpful when using this book for a class (which was the case for me).

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Organized in two parts it gives the reader a thorough presentation of the fundamentals followed by a detailed description of 15 of the most common methods currently in use. The Third Edition now includes the latest developments in 2D-electrophoresis as well as an overview of the proteome analysis methodology.

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Customer Reviews:

Excellent hands-on book for Electrophoresis.......2000-04-13

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Experimental Organic Chemistry Theory and Practice

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