Oracle Credit Management provides a global, standardized system that lets you make and implement credit decisions based on the collected credit data of your business-to-business customers and prospects. Credit reviews are automated by the Credit Management workflow process.

Automated periodic credit assessments include all activities from the initial credit review request and creation of the credit application, to credit scoring and analysis, to the final implementation of credit decisions.

Why is this useful? First, an automated credit review process employs standard guidelines that you define, for a consistent approach to credit decisions across your entire credit department.

Additionally, an automated process that continuously evaluates and manages less risky credit decisions leaves your credit personnel free to concentrate their efforts on higher risk credit assessments. For example, your skilled credit analysts can focus on selected customer portfolios, such as those customers driving revenue or licenses above a threshold of $250,000, as well as on credit reviews that fail the automation process.

Credit Management facilitates these manual credit reviews through features such as online case folders, easily generated what-if scenarios, and integration with Dun & Bradstreet.

As a result, you can increase the scope of your customers' portfolios without increasing your credit personnel overhead. And, because all credit reviews are administered according to your own established credit policies, your business can continue to grow without compromising your own overall portfolio risk and financial stability.