Propuesta metodológica de implementación de un manual de políticas de crédito, para mejorar la composición y recuperación de cartera vencida en una empresa comercial, caso Solufer.

Abstract

The purpose of this methodological proposal is to establish the importance of implementing a credit policy manual for a commercial company, where the procedures for both credit granting and collection are regulated. In the company Solufer, disorganization is observed in the processes of granting credit, requesting documents and recovering securities, which affects the solvency and profitability of the company, as well as the client's perception of it. The people who lead the credit process have been working empirically, so they are unaware of factors that must be measured for the granting of a loan, as well as of the actions that speed up the collection management and the reduction of the risk of recovery, which has caused deficiencies in the administrative processes that correspond to credit tasks, and that generate a high risk for the liquidity of the company. For the generation of this work, an investigation has been carried out on the processes of the credit area, and improvements have been determined such as: Obtaining better quality information from clients, measuring risk in a particular way, organizing information on the client portfolio, generate collection priorities, establish standardized processes for the credit analysis of each client and improve pertinent formats of the area.