Alejo Lopez Casao
Empresologo | Credit and Operations Director
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Empresologia

General Ideas on
Economy, Business and Life...

my other blog

Business Risk Decission

27/1/2015

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It is important that the professional lender remains objective, avoiding the temptation to become emotionally commited to other than providing a service. The borrower may well have been planning the project over a long period and expects an inmediate answer... however, the lender must take the time necessary to reach a lending decission, it is not in the interest of either party to get it wrong...

The deccission must been taken following certain principles and structure:
  • is the borrower known and competent?
  • who introduced him?
  • to what use will the monnies be put?
  • is the amount reasonable?
  • can he repay the debt when due?
  • is any security available and cost effective?


Take a look at the diagram for more on this process.


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European Credit Outlook 

23/1/2015

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Lindorff has recently published their European Outlook for 2015, brief and worthy to read: 
leco_2015.pdf
File Size: 3730 kb
File Type: pdf
Download File

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gestión del cobro y la morosidad

7/1/2015

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Organización del departamento de riesgos y la figura del credit manager

Una adecuada gestión de riesgos en la empresa requiere una buena estructura del departamento de créditos, tanto en lo que respecta a los conocimientos y habilidades del credit managery las herramientas a su disposición para la evaluación y control de riesgos, como en los objetivos a conseguir en el marco de la política empresarial, lo que presupone también una implicación con el resto de los departamentos, especialmente con el administrativo, el de cobros y el departamento comercial.

El credit manager, responsable del área de créditos a clientes, es un profesional que emplea sus conocimientos para optimizar las ventas y mejorar los beneficios empresariales,


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    Author

    Licenciado en Empresariales soy por lo tanto un empresologo...y he trabajado como morosologo, analista,...

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