Credit Control and Debt Management
18 - 22 August 2025
Sandton
Johannesburg South Africa
Cost per Delegate
R17,999.00
Introduction
Our Credit Control and Debt Management Training Course is specifically designed to transform your team into experts in managing credit and debt, ensuring that cash flow is maximized and financial risks are minimized.
This training course aims to arm your team with the critical skills needed for outstanding credit and debt management, ensuring the financial robustness of your organization. Equip your staff with the knowledge to make empowered decisions and maintain healthy financial practices.
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Objectives:
• Use some of the best methods and techniques when communicating with debtors
• Appreciate the relevance and importance of credit policy in defining the objectives, function and responsibilities of the credit department to get maximum profitability
• Understand the need of credit assessment due to selective risk-taking in the interests of increasing overall profitability
• Establish a Collection Policy that ensures recovery of debts and also provides follow up procedures in monitoring and collection of debt
• collecting overdue customer invoices more effectively
• Debtors Ledger Questionnaire to assess office procedures and identify gaps in the system
• Strategy to reduce the current customer debt and making decisions on old outstanding invoices.
• contact customers in a systematic way using the overdue invoice strategy
• knowing when to make the first phone call or send the right letter out to the customer
• Use a phone script and have knowledge of all the questions to ask an overdue invoice customer
Who Should Attend?
• Credit Controllers,
• Finance experts,
• Financial Planners,
• Auditors,
• Debt managers,
• Chief Accounting Officers,
• Business owners/managers.
• Finance professionals involved in credit management functions
Contents
Module 1: Introduction to Credit Management
• What is Credit Management?
• Importance of Credit Management
• Credit Department’s Responsibility
• The 6 Cs of Credit
Module 2: Credit Risk Assessment
• Financial Factors Affecting Credit Decision (Financial Statements: What to Look for) Probability of Default, Exposure at Default, Loss given Default, Expected Loss
• Borrowing Need and Capacity Assessment
• Leverage and Coverage Ratios
• Liquidity, Profitability and Activity Ratios
• Cash Flow Analysis and Projections
• The Z Score
• Credit VaR
Module 3: Non-Financial Factors Affecting Credit Decision
Business Environment and Industry Status
• Company Vulnerability
• Management Integrity, Skill & Execution
• Exercises and Cases
Module 4: Mitigating Risk Assessment
• Setting the Credit Limit
• Review New Accounts
• Re-Evaluate Existing Account
Module 5: Loan Structuring
• Credit Enhancements and LTV limits
• Loan Covenants
• Loan Pricing and Negotiating
• Problem Loans and Restructuring
• Credit Derivatives (Credit Default Swap, Total Return Swap, Credit Spreads etc.)
• Exercises and Cases
Module 6: Collection Performance and Efficiency
• Aging of Accounts Receivable and Bad Debt Reserves Analysis
• Accounts Receivable Turnover and Days Sales Outstanding
• Collection Effectiveness Index
• Analysing Operating and Cash Cycles
• Improving Working Capital Health
• Bad Debt Collection
• Factoring
• Overdue Ratio Calculation
• Discount & Prepayments
Module 7: What-If Analysis and Decision Strategies for Credit Efficiency
• Scenario Manager
• Goal Seek
• Data Table (Sensitivity Analysis)
• Solver Technique
• Exercises and Cases
End of the Workshop
For Training arrangements call us on the detail below
TANZANIA: +255 749 50 26 78
SOUTH AFRICA: +27 694 31 79 73
KENYA: +255 749 50 26 78
DUBAI: +27 694 31 79 73
