Crédito y cobranza from Coursera

What's inside

Syllabus

El crédito

En este módulo analizaremos las diferentes definiciones del término crédito, así como una breve historia de éste, desde sus orígenes, alrededor del 1100 a. C., con la cultura fenicia, hasta nuestros días, con diferentes títulos e instrumentos de crédito.

Departamento de crédito y cobranza

En toda empresa es necesario un Departamento de Crédito y Cobranza que permita planear la función, a través de una estructura y funciones bien delimitadas; por ende, analizaremos los diferentes tamaños y tipos de organización, que orillan a diferentes estructuras y alcances de dicho departamento.

Políticas de crédito y cobranza

Recuerda que una política es una guía de actuación de carácter general y sujeta a revisión periódica; en tal sentido, las políticas de crédito deben considerar el tipo de producto o servicio que ofrece, la clientela a quien va dirigida y las condiciones económicas imperantes, de tal forma que se debe considerar la aplicación de políticas liberales o conservadoras, que guíen las decisiones de otorgamiento de créditos, en términos de monto, plazo, tiempo, tasa y descuentos, así como el lugar, forma de pago e intereses moratorios, para el caso de la cobranza.

Análisis de crédito

Si bien existen diferentes herramientas para analizar el otorgamiento de un crédito, emplearemos el de las 5 C´s del crédito, a través de la cual se realiza un estudio del carácter, capacidad, capital, colateral y condiciones del cliente y la operación solicitada; lo anterior con el objetivo de minimizar los riesgos de cobranza en los créditos emitidos.

Cobranza

Exploramos los diferentes instrumentos de crédito que nos permiten ejercer la cobranza de los créditos pactados, así como los métodos para recordarle a nuestra clientela de sus pagos y qué hacer en caso de una cobranza sin éxito.

Cuadro de honor

Las siguientes actividades no son necesarias para completar el curso, pero si lo haces, recibirás un reconocimiento especial que se verá reflejado en tu certificado.

Good to know

Know what's good

, what to watch for

, and possible dealbreakers

Trata la función crediticia, que es esencial en el ciclo de negocios

Ofrece una guía integral para la planificación, organización y control de las actividades crediticias

Incluye el análisis de crédito utilizando las 5 C, lo que ayuda a minimizar los riesgos de incobrabilidad

Explora varios instrumentos de crédito y métodos de cobranza, lo que proporciona una comprensión práctica

Reviews summary

Practical and informative credit and collection fundamentals

This course has been praised for providing a comprehensive and highly practical overview of credit and collection management. Students have found the lessons to be well-structured, informative, and easy to understand. The instructor is knowledgeable and engaging, making complex concepts accessible to learners of all levels. Overall, this course is highly recommended for anyone seeking to enhance their understanding of credit and collection principles.

Students have expressed interest in an advanced course.

"Un curso bastante útil, ojala haya un curso más avanzado."

Suitable for learners of all levels.

"excelente para personas que se estan iniciando en el credito y cobranza."

Instructor presents information in a clear and engaging manner.

"Muy buen curso, el temario está perfecto. Aprendes cosas muy buenas sobre el crédito."

Covers all aspects of credit and collection management.

"El temario está perfecto. Aprendes cosas muy buenas sobre el crédito."

Offers practical, real-world examples and case studies.

"Me gustó mucho este curso, te explica paso por paso, e incluye casos prácticos."

Activities

Be better prepared before your course. Deepen your understanding during and after it. Supplement your coursework and achieve mastery of the topics covered in Crédito y cobranza with these activities:

Review the concept of credit and its history

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Understanding the basics of credit, including its historical evolution, will provide a solid foundation for the course's exploration of credit function in business cycles.

Browse courses on Credit

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Read the provided resources on the history and definition of credit.
Create a timeline summarizing the key developments in the history of credit.

Connect with professionals in the field of credit

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Building relationships with mentors can provide valuable insights, guidance, and networking opportunities within the credit industry.

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Identify professionals in the field of credit who align with your career interests.
Reach out to potential mentors via LinkedIn or industry events.
Prepare questions to ask your mentors and actively engage in discussions.

Organize and review course materials

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Regularly organizing and reviewing your course materials will enhance your understanding and retention of the concepts covered.

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Create a system for organizing your notes, assignments, and other course materials.
Review your materials regularly, focusing on key concepts and challenging yourself with practice questions.

Two other activities

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Explore case studies on credit analysis

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Analyzing real-world examples of credit analysis will enhance your understanding of the practical application of credit principles and the 5 C's of credit.

Browse courses on Credit Analysis

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Review the provided case studies and identify the key financial ratios and metrics used in credit analysis.
Apply the 5 C's of credit to evaluate the creditworthiness of the businesses in the case studies.
Compare and contrast the different approaches to credit analysis used in the case studies.

Practice assessing credit applications

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Regularly evaluating credit applications will strengthen your ability to identify and mitigate credit risks.

Browse courses on Credit Risk Management

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Obtain sample credit applications and related financial statements.
Analyze the applications using the 5 C's of credit.
Make recommendations on whether to approve or deny the credit applications.

Career center

Learners who complete Crédito y cobranza will develop knowledge and skills that may be useful to these careers:

Collections Manager

Collections Managers oversee the collection of overdue accounts receivable. They develop and implement collection policies and procedures, and work with customers to resolve delinquent accounts. Collections Managers may also be responsible for training and motivating collection staff. This course, Crédito y cobranza, may be useful in a career as a Collections Manager as it provides a comprehensive overview of the credit and collection process.

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Investment Banker

Investment Bankers advise corporations and governments on mergers and acquisitions, capital raising, and other financial transactions. They develop and execute financial plans, and negotiate with investors and other stakeholders. Investment Bankers may specialize in a particular area of investment banking, such as mergers and acquisitions, capital markets, or structured finance. This course, Crédito y cobranza, may be useful in a career as an Investment Banker as it provides a foundation in financial analysis and corporate finance principles.

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Financial Analyst

Financial Analysts evaluate and make recommendations on financial investments. They analyze financial data, develop financial models, and prepare investment reports. Financial Analysts may specialize in a particular area of financial analysis, such as equity analysis, fixed income analysis, or credit analysis. This course, Crédito y cobranza, may be useful in a career as a Financial Analyst as it provides a foundation in financial analysis techniques and investment principles.

See salaries and explore the career path for Financial Analyst

Credit Analyst

Credit Analysts assess the creditworthiness of individuals and businesses. They gather and analyze financial information, such as income statements, balance sheets, and cash flow statements, to determine the borrower's ability to repay a loan. Credit Analysts may also develop and implement credit policies and procedures. This course, Crédito y cobranza, may be useful in a career as a Credit Analyst as it provides a thorough understanding of the principles and practices of credit analysis.

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Management Consultant

Management Consultants advise businesses on how to improve their operations and performance. They analyze business processes, develop solutions to problems, and implement change initiatives. Management Consultants may specialize in a particular area of consulting, such as strategy consulting, operations consulting, or IT consulting. This course, Crédito y cobranza, may be useful in a career as a Management Consultant as it provides a foundation in business analysis and problem-solving techniques.

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Operations Analyst

Operations Analysts improve the efficiency and effectiveness of business operations. They analyze business processes, identify areas for improvement, and develop and implement solutions. Operations Analysts may specialize in a particular area of operations, such as supply chain management, logistics, or customer service. This course, Crédito y cobranza, may be useful in a career as an Operations Analyst as it provides a foundation in business analysis and process improvement techniques.

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Risk Manager

Risk Managers identify, assess, and mitigate risks to an organization. They develop and implement risk management strategies, and work with other departments to ensure that the organization is prepared for potential risks. Risk Managers may specialize in a particular type of risk, such as financial risk, operational risk, or compliance risk. This course, Crédito y cobranza, may be useful in a career as a Risk Manager as it provides a foundation in risk management principles and practices.

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Forensic Accountant

Forensic Accountants investigate financial fraud and other crimes. They analyze financial records, interview witnesses, and prepare reports. Forensic Accountants may specialize in a particular area of forensic accounting, such as fraud investigation, money laundering investigation, or asset tracing. This course, Crédito y cobranza, may be useful in a career as a Forensic Accountant as it provides a foundation in financial analysis and fraud investigation techniques.

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Loan Officer

Loan Officers extend credit to individual and corporate borrowers. They receive loan applications, analyze the borrower's financial situation and credit history, and determine whether to approve or deny the loan. Once a loan is approved, Loan Officers set the loan terms, including the interest rate and repayment period, and disburse the funds. Loan Officers who work with commercial entities (i.e., businesses) may be called Commercial Loan Officers, while those who work with individuals may be called Consumer Loan Officers. This course, Crédito y cobranza, may be useful in a career as a Loan Officer because it provides a strong foundation in credit analysis and risk management, which are essential for evaluating loan applications and making sound lending decisions.

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Compliance Officer

Compliance Officers ensure that an organization complies with all applicable laws and regulations. They develop and implement compliance policies and procedures, and monitor the organization's activities to ensure compliance. Compliance Officers may specialize in a particular area of compliance, such as financial compliance, environmental compliance, or healthcare compliance. This course, Crédito y cobranza, may be useful in a career as a Compliance Officer as it provides a foundation in compliance principles and best practices.

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Actuary

Actuaries use mathematical and statistical techniques to assess risk and uncertainty. They develop and price insurance policies, and advise clients on risk management strategies. Actuaries may specialize in a particular area of actuarial science, such as life insurance, health insurance, or pension plans. This course, Crédito y cobranza, may be useful in a career as an Actuary as it provides a foundation in financial mathematics and risk management principles.

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Underwriter

Underwriters evaluate and approve insurance policies. They assess the risk of insuring a particular individual or business, and determine the appropriate premium. Underwriters may specialize in a particular type of insurance, such as property and casualty insurance, life insurance, or health insurance. This course, Crédito y cobranza, may be useful in a career as an Underwriter as it provides a foundation in risk management and insurance principles.

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Fraud Investigator

Fraud Investigators investigate allegations of fraud and financial crime. They collect evidence, interview witnesses, and prepare reports. Fraud Investigators may specialize in a particular type of fraud, such as insurance fraud, healthcare fraud, or corporate fraud. This course, Crédito y cobranza, may be useful in a career as a Fraud Investigator as it provides a foundation in fraud detection and investigation techniques.

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Economist

Economists study the production, distribution, and consumption of goods and services. They analyze economic data and develop theories to explain economic phenomena. Economists may specialize in a particular area of economics, such as macroeconomics, microeconomics, or international economics. This course, Crédito y cobranza, may be useful in a career as an Economist as it provides a foundation in economic principles and research methods.

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Claims Adjuster

Claims Adjusters investigate and settle insurance claims. They evaluate the damage or loss, and determine the amount of money that the insurance company will pay. Claims Adjusters may specialize in a particular type of claim, such as property damage claims, bodily injury claims, or workers' compensation claims. This course, Crédito y cobranza, may be useful in a career as a Claims Adjuster as it provides a foundation in insurance principles and claim investigation techniques.

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