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Crédito y cobranza

4.7 Filled star Filled star Filled star Filled star Half star
Based on 109 ratings
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Norman Wolf del Valle

Este curso, ofrecido por la UNAM, se enfoca en la función crediticia, es decir, la importancia del crédito en el ciclo de los negocios, la determinación de necesidades de un departamento de crédito, las políticas de crédito, análisis de los solicitantes, así como su emisión, y todo lo relacionado con la recuperación de éstos, minimizando en todo momento los riesgos de incobrabilidad.

Analizaremos todo lo relacionado con la planeación, organización, integración, dirección y control de las actividades encaminadas al otorgamiento de créditos y su recuperación en las fechas establecidas.

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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.
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Traffic lights

Read about what's good
what should give you pause
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

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Reviews summary

Análisis integral de crédito y cobranza

Según los estudiantes, el curso de Crédito y Cobranza de la UNAM ofrece un contenido integral sobre la función crediticia, desde sus orígenes hasta la gestión moderna. Destacan su metodología clara y la organización lógica de los módulos, lo que facilita la comprensión de conceptos clave como el análisis de las 5 C's. Apreciado por su aplicación práctica, proporciona fundamentos sólidos para la minimización de riesgos en la gestión de cuentas por cobrar. Algunos señalan que, si bien el curso es exhaustivo, la maestría real requiere práctica adicional en escenarios empresariales.
Explicaciones claras y módulos bien estructurados.
"La información está muy bien organizada, lo que facilita el aprendizaje paso a paso de conceptos complejos."
"El instructor explicó los conceptos de manera muy clara y concisa, sin dejar dudas y haciendo el material accesible."
"La estructura del curso es lógica y me ayudó a seguir el hilo de los temas sin dificultad, lo que aprecio mucho."
Proporciona herramientas y estrategias de aplicación inmediata.
"La metodología de las 5 C's para el análisis crediticio fue muy útil, puedo aplicarla directamente en mi trabajo diario."
"Me llevo estrategias concretas para la gestión de riesgos y la recuperación efectiva de cartera, muy valiosas."
"El curso me brindó conocimientos prácticos que pude implementar de inmediato en mi negocio, mejorando mis procesos de cobro."
Cubre de forma exhaustiva los principios de crédito y cobranza.
"El curso abarca todos los aspectos esenciales del crédito y la cobranza, dándome una visión completa y detallada."
"Me gustó mucho la forma en que se detalla cada tema, desde la historia del crédito hasta las políticas y recuperación actuales."
"Sentí que el contenido era muy completo y relevante, proporcionando una base sólida para cualquier profesional en el área financiera."
Altamente relevante para roles en finanzas y negocios.
"Este curso es fundamental para cualquiera que trabaje en finanzas, contabilidad o gestión de riesgos empresariales."
"Como emprendedor, encontré el contenido directamente aplicable a la gestión de mis cuentas por cobrar y la evaluación de clientes."
"Me ayudó a mejorar mi desempeño en el departamento de crédito de mi empresa, demostrando ser muy útil para mi carrera profesional."
Ofrece una base sólida, pero la maestría exige práctica.
"Siento que obtuve una base muy fuerte, pero para dominar realmente el tema, necesito practicar más en mi entorno laboral real."
"El curso es excelente para entender la teoría, aunque me gustaría más ejemplos prácticos y estudios de caso para aplicar los conceptos."
"Para realmente aplicar todo lo aprendido y enfrentar situaciones complejas, sé que tengo que seguir practicando y enfrentando diversos escenarios."

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
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
Show steps
  • 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
Building relationships with mentors can provide valuable insights, guidance, and networking opportunities within the credit industry.
Show steps
  • 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
Regularly organizing and reviewing your course materials will enhance your understanding and retention of the concepts covered.
Show steps
  • 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
Expand to see all activities and additional details
Show all five activities
Explore case studies on credit analysis
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
Show steps
  • 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
Regularly evaluating credit applications will strengthen your ability to identify and mitigate credit risks.
Browse courses on Credit Risk Management
Show steps
  • 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.
See salaries and explore the career path for Collections Manager
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.
See salaries and explore the career path for Credit Analyst
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.
See salaries and explore the career path for Investment Banker
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.
See salaries and explore the career path for Loan Officer
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.
See salaries and explore the career path for Risk Manager
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.
See salaries and explore the career path for Forensic Accountant
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.
See salaries and explore the career path for Management Consultant
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.
See salaries and explore the career path for Operations Analyst
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.
See salaries and explore the career path for Actuary
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.
See salaries and explore the career path for Compliance Officer
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.
See salaries and explore the career path for Fraud Investigator
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.
See salaries and explore the career path for Underwriter
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.
See salaries and explore the career path for Economist
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.
See salaries and explore the career path for Claims Adjuster

Reading list

We've selected six books that we think will supplement your learning. Use these to develop background knowledge, enrich your coursework, and gain a deeper understanding of the topics covered in Crédito y cobranza.
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Statistics for Business
Save
Este libro es un recurso valioso para una comprensión más profunda de la gestión del crédito, proporcionando estrategias prácticas para mejorar la rentabilidad y minimizar las pérdidas.
(English) Statistics for Business: Decision Making and...
Hardcover
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(English) Statistics for Business: Decision Making and...
Paperback
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(English) Statistics for Business: Pearson New International...
Paperback
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(English) Statistics for Business: Decision Making and...
Loose Leaf
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Statistics for Business: Decision Making and...
Hardcover
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Basic Business Statistics: A Casebook (Textbooks in...
Paperback
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(English) Statistics for Business: Decision Making and...
Hardcover
$$$$
(English) Statistics for Business: Decision Making and...
Paperback
$
(English) Basic Business Statistics: A Casebook (Textbooks in...
Kindle Edition
$$$
(English) Statistics for Business: Decision Making and...
Printed Access Code
$$$$
Cover image
Personal Financial Planning
Save
Provides a comprehensive overview of credit and collection management in the financial services industry. It covers topics such as credit risk assessment, credit portfolio management, and loan loss provisioning.
(English) Personal Financial Planning (MindTap Course List)
Hardcover
$$$
(English) Personal Financial Planning
Paperback
$$$$
(English) Personal Financial Planning
Hardcover
$$$$
(English) PERSONAL FINANCIAL PLANNING WITH MINDTAP, 15TH...
Unknown Binding
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(English) Personal Financial Planning
Hardcover
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(English) Bundle: Personal Financial Planning, Loose-leaf...
Product Bundle
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(English) Personal Financial Planning (Available Titles...
Hardcover
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(English) Personal Financial Planning
Kindle Edition
$$$
(English) Personal Financial Planning (MindTap Course List)
Kindle Edition
$$$
Cover image
The Essentials of Risk Management, Third Edition
Save
Provides a comprehensive overview of credit risk measurement and management. It covers topics such as credit risk models, credit portfolio management, and credit derivatives. It valuable resource for students and practitioners in the field of credit risk management.
(English) The Essentials of Risk Management, Third Edition
Hardcover
$$
(English) The Essentials of Risk Management, Third Edition
Kindle Edition
$$
Cover image
Risk Management and Financial Institutions
Save
Provides a comprehensive overview of financial risk management. It covers topics such as risk measurement, risk management techniques, and risk reporting. It valuable resource for students and practitioners in the field of financial risk management.
(English) Risk Management and Financial Institutions (Wiley...
Hardcover
$$$
(English) Risk Management and Financial Institutions (Wiley...
Kindle Edition
$$$
Cover image
The Economics of Accounting
Save
Provides a comprehensive overview of collection management strategies and techniques. It covers topics such as the collection process, skip tracing, and debt settlement. It valuable resource for practitioners in the field of collection management.
(English) The Economics of Accounting
Hardcover
$$$
Cover image
Managing Credit Risk
Save
Este libro aborda los aspectos esenciales de la gestión del riesgo crediticio, ofreciendo estrategias para mitigar el riesgo y maximizar la rentabilidad.
(English) Managing Credit Risk: The Great Challenge for...
Hardcover
$$$
(English) Managing Credit Risk: The Next Great Financial...
Hardcover
$$
(English) Managing Credit Risk: The Great Challenge for...
Kindle Edition
$$$
(English) Managing Credit Risk: The Next Great Financial...
Kindle Edition
$$$

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Course image
Rating
4.7 Filled star Filled star Filled star Filled star Half star
Effort
Approx. 16 hours
Level
Introductory
Via
Coursera
Institution
Universidad Nacional Autónoma de México
Instructor
Norman Wolf del Valle
Language
Español
Traffic lights
Read about what's good
what should give you pause
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
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