Walk the Credit-Hold Decision
Apply a proportional risk path before recommending credit hold.
The moment At 10:30 a.m., a warehouse release request hits finance for a customer already 76 days past due on $118,000. Operations wants to ship today; the collector has one missed promise and one unanswered email. Credit hold decisions should be risk controls tied to exposure, not emotional reactions to lateness. Risk assessment matrix A credit hold is a risk control, not a punishment. The risk matrix helps you weigh likelihood of nonpayment against impact if exposure grows. In AR, likelihood comes from aging, broken promises, dispute clarity, payment history, and customer responsiveness. Impact comes from balance size, new shipment…
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