Sage X3 Ideas Portal

The "Risk Analysis" option that can be access from the Customer master function (GESBPC) has a lot of useful information that a Credit Manager can use to assess a customer's credit-worthiness. Most B-to-B organizations periodically undertake a review of their customers credit and payment performance by the organization's credit manager. The Risk Analysis presently has data relating to "Customer since" (i.e. how long they have been a customer) and "Average payment leadtime" (i.e. how long on average does it take a customer to pay an invoice). Based on my past experience working in a Credit department I would suggest the inclusion of the following additional features to round out this functionality.

1.) High Credit Watermark - In the credit evaluation process the credit manager is oftentimes interested in what the largest credit exposure the organization has had with the customer and the date in which that high credit mark occurred. X3 currently captures the current credit exposure in the "Credit Level Total" field.

2.) New Section for Dunn & Bradstreet information - Dunn & Bradstreet (https://www.dnb.com/) sells credit reports that provide information that is useful to a credit manager in evaluating how much of a credit line to extend to a client. I would suggest this being a section with a grid where the credit manager can denote the date in which the report was pulled, the client's DUNS score, and an attachment icon where the electronic D&B report can be stored.

3.) Customer Credit References - Another common practice in B-to-B industries is when a new customer is being onboarded the organization will ask for credit references (i.e. a list of other business that have currently provided this customer with a line of credit). When these references are obtained a credit manager will then reach out to each of the references asking for information that will help in making the credit line decision for the client. Common questions would include the following...

• How long has this business been a customer of yours?

• What is the high credit exposure you have experienced wtih the customer?

• What credit terms do you offer to the customer (i.e. Net 30 days, Net 60 days, etc)?

• What is the average days to pay for the customer?

It would be nice if this data would be captured in a grid section where the date, vender and these other above reference fields could be captured.

4.) Customer Financial Statements - Another common practice is for the Credit manager to ask for financial statements on the company (i.e. balance sheet, Income statement, cash flow statement) on a yearly basis to ensure that the company is in good financial standing and has the necessary liquidity to pay the outstanding debts to the company. It would be nice if this data would be captured in a grid section where the date, statement type and icon for the attachment of the electronic document could be stored.

5.) Liquidity Ratios - Another nice section would allow for the Credit manager to calculate and store the liquidity ratios for the client based on their financial reports. There are a number of different liquidity ratios but all of them provide a metric on the customer's asset to debt ratios thus providing insights on the client's future ability to satisfy their debt obligations. See link here for a description of common ratios used in practice (https://www.capitalcitytraining.com/wp-content/uploads/2024/02/Liquidity-Ratios.png).