Chartered Institute of Credit Management LMS

Could data sharing improve the support provided to customers in vulnerable situations? This University of Bristol report asks whether greater sharing of data between financial services firms can improve their ability to identify and support customers in vulnerable situations. It considers how such data-sharing could work in practice, and presents ‘building blocks’ for the industry to consider if it is to take forward increased data-sharing. RESEARCH 2018

2014 and beyond - exploration and prediction of the changes to insolvency practices affecting businesses and consumers. David Kerr, Chief Executive of the Insolvency Practitioners Association (England) ARTICLE January/February 2014

2020 Vision Samantha Pileggi, Director of Commercial Operations at the Institute of Export & International Trade, says that the end of 2019 has brought a clearer view on the UK's future trade with the EU (UK).  ARTICLE January/February 2020

20:20 Vision. Richard Seadon, takes a look back at 20 years of the Turner Lecture.  ARTICLE July/August 2019

30-day autumn challenge. Summary of ICM qualifications achievable in a short timescale ARTICLE November 2014

80 years of the CICM. 2019 marks the 80th anniversary of the Chartered Institute of Credit Management (CICM). See a timeline in this article which tracks key events and figures that influenced the Governance and Structure.  ARTICLE April 2019

80 years of the CICM. 2019 marks the 80th anniversary of the Chartered Institute of Credit Management (CICM). See a timeline in this article which tracks key events in the Institute's history.  ARTICLE January/February 2019

80 years of the CICM. Branch Network. 2019 marks the 80th anniversary of the Chartered Institute of Credit Management (CICM). This article speaks to four Branch Chair's for their views on the importance of the network.  ARTICLE May 2019

80 years of the CICM. Education. 2019 marks the 80th anniversary of the Chartered Institute of Credit Management (CICM). This chart encapsulates the development of the Education Department. ARTICLE July/August 2019

The CICM Professional Standards set the bar for credit and debt management professionals. They are a pathway for development and represent the unique skills of our members. Use this audit tool to benchmark your skills and behaviours against CICM Professional Standards, identify your strengths and areas of focus for development. CICM Member exclusive resource - SELF ASSESSMENT 2022

Use this Self-Assessment to explore where you are now, where you would like to be and what you could do to help achieve your personal goals. Through working through three activities you will be able to benchmark your skills against CICM membership criteria, check your progress towards personal goals and find out what makes a qualified professional ELEARNING 2018

This course supports preparation for the Taking Control of Goods (TCG) qualifying examination and an enforcement agent’s Continuing Professional Development (CPD). The CICM Level 2 Award in Taking Control of Goods is Ofqual regulated and meets the certification requirements of enforcement agents as determined by the Ministry of Justice. The High Court Enforcement Officers Association (HCEOA), the Local Authority Civil Enforcement Forum (LACEF) and the Certified Enforcement Agents Association (CEAA) endorse the course and review the TCG Guidance for Enforcement Agents annually. The course includes TCG Guidance, practice exam questions, a mock exam and a resource section with regulation and forms and takes around 90 hours to complete. Learners who complete key activities can print a course completion certificate to prove CPD. Course fees apply (free for CICM members along with other CPD resources on CICM Knowledge Hub). Course modules cover: Role of enforcement agents, law relevant to enforcement agents, practice of Taking Control of Goods, practice of removal and sale of goods, customer care and how to manage conflict situations. Email learningsupport@cicm.com or call 01780 722909 to purchase course. ELEARNING 2018 Premium Content

Purchase these 60 sample online examination questions to test your Trade Credit Management knowledge. The questions are ideal preparation if you are working towards a CICM qualification. Questions cover six areas: value of credit, organisation of the credit function, credit customers and arrangements, credit risk control, credit documents and systems, collections methods and legal action, and are of the same standard as CICM qualifying exams.  Pass a mock exam at the end in 60 minutes to access a course completion certificate. Note: Course fees for any CICM Credit Academy programme (virtual classroom, in-company class or Learning Support Service) include these questions - check with your learning provider first, if you have one, before purchase. Email learningsupport@cicm.com or call 01780 722909 to purchase a 12-month licence for these questions. Elearning 2018 Premium Content   

Purchase these 60 sample online examination questions to test your Export Credit Management knowledge. The questions are ideal preparation if you are working towards a CICM qualification. Questions cover six areas: value of credit, organisation of the credit function, credit customers and arrangements, credit risk control, credit documents and systems, collections methods and legal action, and are of the same standard as CICM qualifying exams.  Pass a mock exam at the end in 60 minutes to access a course completion certificate. Note: Course fees for any CICM Credit Academy programme (virtual classroom, in-company class or Learning Support Service) include these questions - check with your learning provider first, if you have one, before purchase. Email learningsupport@cicm.com or call 01780 722909 to purchase a 12-month licence for these questions. Elearning 2018 Premium Content  

Purchase these 60 sample online examination questions to test your Consumer Collections knowledge. The questions are ideal preparation if you are working towards a CICM qualification. Questions cover seven areas: principles of consumer collections; legal, regulatory and industry frameworks; obtaining sufficient information to commence consumer collection; consumer collection contact; action in response to continued non-payment; preparation for legal proceedings; effective consumer collection processes, and are of the same standard as CICM qualifying exams.  Pass a mock exam at the end in 60 minutes to access a course completion certificate. Note: Course fees for any CICM Credit Academy programme (virtual classroom, in-company class or Learning Support Service) include these questions - check with your learning provider first, if you have one, before purchase. Email learningsupport@cicm.com or call 01780 722909 to purchase a 12-month licence for these questions. Elearning 2018 Premium Content   

Purchase these 60 sample online examination questions to test your Consumer Credit Management knowledge. The questions are ideal preparation if you are working towards a CICM qualification. Questions cover six areas: role and effect of consumer credit, organisation of the credit function, marketing of consumer credit, credit risk control, credit documents and systems, collections methods and recovery methods, and are of the same standard as CICM qualifying exams.  Pass a mock exam at the end in 60 minutes to access a course completion certificate. Note: Course fees for any CICM Credit Academy programme (virtual classroom, in-company class or Learning Support Service) include these questions - check with your learning provider first, if you have one, before purchase. Email learningsupport@cicm.com or call 01780 722909 to purchase a 12-month licence for these questions. Elearning 2018 Premium Content   

Business has see a rise in commercial fraud, particularly during the COVID 19 pandemic. This CICM webinar advises on trends, insights and tips for protecting your business. Presenter: Corporate Partner: Graydon - Simon Blackwell (Managing Director), Nigel Dickinson (Head of Fraud Propositions) and Craig Evans (Head of Commercial UK). Broadcast: 14 May 2020; 50 minutes WEBINAR 2020

Collection technique has changed significantly over recent years and those who stay abreast of modern collection practice stand the best chance of success. This CICM webinar covers best practice approach to telephone collections. Presenter: Jules Eames MCICM (Grad). CICM Lead Teacher. Broadcast: 5 March 2018; 10 minutes WEBINAR 2018

Private Hays Credit Management candidate assessments. Accessible only to Hays members and candidates. If you are interested in finding out more about the range of services which Hays provides for credit management and receivables professionals, please do not hesitate to get in touch with Kabir Gulabkhan (Kabir.Gulabkhan@hays.com) or Karen Young (Karen.Hays@hays.com). PREMIUM CORPORATE PARTNER BENEFIT

Basics of Trade Credit Insurance Part 1.  Glenn Sexton, in this article looks at the fundamentals of credit insurance in the first of a two part series.  This part focuses on the role of the broker and insurer.  ARTICLE December 2010

HQ Briefing: Enforcement membership, training and qualifications and registration process. GUIDANCE Restricted access - CICM HQ Team only.

This CICM elearning module will introduce you to the different types of abuse encountered by adults at risk, and what to do if you are worried about the safety of an adult. ELEARNING 2018

This CICM elearning module will introduce you to the different types of abuse encountered by adults at risk, and what to do if you are worried about the safety of an adult. ELEARNING 2018 (Archived - replaced with 2021/22 version)

This CICM elearning module will introduce you to the principles of equality, diversity and inclusion and CICM policies for this area. ELEARNING 2021

This CICM elearning module will introduce you to the principles of equality, diversity and inclusion and CICM policies for this area. ELEARNING 2019 (Archived - replaced with 2021/22 version)

The purpose of this Ofwat report is to broaden the understanding of customer vulnerability in the water sector in England and Wales, and to stimulate interest and debate around the issue. The report seeks to help the sector to better identify and support customers in circumstances that make them vulnerable, bearing in mind that customer vulnerability is not a rigid concept; and provide practical guidance on where companies could look and what they could think about when shaping their strategies and policies for customers in circumstances that make them vulnerable. See also CICM Vulnerability Framework self-evaluation in CICM Knowledge Hub. GUIDANCE 2016

This Appendix links to the Financial Conduct Authority (FCA) Occasional Paper No 8 and includes examples of good practice in identifying and interacting with vulnerable customers, which may support firms to understand what they could be doing to generate better outcomes for consumers in vulnerable circumstances.  See also CICM Vulnerability Framework self-evaluation in CICM Knowledge Hub. GUIDANCE 2015

This publication includes examples of good practice that help consumers address and overcome periods of financial difficulty. Produced by the Addressing Financial Difficulties good practice working party (AFD) and funded by the British Bankers’ Association. The publication includes practical advice from 39 organisations. See also CICM Vulnerability Framework self-evaluation in CICM Knowledge Hub. GUIDANCE 2011

This Financial Conduct Authority (FCA) Occasional Paper No. 8 aims to broaden understanding and stimulate interest and debate around vulnerability; provide practical help and resources for firms in developing and implementing a vulnerability strategy; and how examples of good practice in the way some firms treat consumers in vulnerable circumstances. The paper also highlights when customers have not received fair treatment from their firms.  See also CICM Vulnerability Framework self-evaluation in CICM Knowledge Hub. GUIDANCE 2015

This article reports results of research regarding many areas of credit management and the role it plays as a core function within an organisation by Professor Salima Paul. It aimed to shed light on policies and practices in UK companies and then examine different ways firms can use trade credit management proactively as a competitive weapon that can play a significant role in strategic decision making and have an impact on overall efficiency, liquidity, profitability and long-term survival ... RESEARCH/WHITEPAPER 2007

A credit manager and apprentice's view on all things credit                               

                                                                                                                                              eBuzz March 2020

Find out about the ripple effect and its impact on those working in credit EBUZZ June 2019

The Formula for Motivation - How can we be sure we are motivating everyone? November 2019

A (new) winter of discontent. David Andrews, a published author and former Personal Finance Editor of the Daily Express, says the number of people living in poverty levels in Britain are at an all-time high. (United Kingdom).   ARTICLE November 2019

A beauty and the geek.  Sean Feast, Editor of Credit Management, caught up with Steven Renwick, Chief Executive, Santago and learns how a family experience with late payment inspired a new credit management innovation ARTICLE May 2015

A blast in time. Sean Feast, Editor at Credit Manager, spends the day with Sam Hall of Rolls-Royce talking about CICMQ, jet engine test beds, and Charlie George! ARTICLE January/February 2017

A bright future.  Karen Young, Director, Hays Credit Management, reports salaries rise faster outside of London as credit professionals continue to be in demand.  ARTICLE December 2018

A classical dilemma. David Andrews, a freelance business journalist, reports on the Brexit debacle and what might be to come (Europe).  ARTICLE January/February 2019

A closer look at business entities, sectors and taxation in Spain. Adam Bernstein, Freeland Business Writer, considers the implications.  Understandably UK Government advice is that a distributor or an agent who knows the Spanish market and is well connected should be appointed. (Spain)  ARTICLE October 2018

A Cohesive force - Professor Patrick O Connelly discusses what it takes to build a successful department - Leadership. Challenges. Motivation. Strategy. Teamwork. Vision. Goal. Management ARTICLE October 2012

A collection of minds. Stephen Lewis advises on how to choose a commercial debt collector ARTICLE April 2016

A company restored to life. Peter Walker explains the impact of companies being struck off the Company Register (England) ARTICLE June 2013

A cup three-quarters full. Jason Braidwood, Head of Credit and Collections at Creditsafe Business Solutions, analyses the latest monthly business to business payment performance statistics (England) ARTICLE October 2017

A day in the life of an HCEO.  Credit Management spends the day at a High Court Enforcement Office.  Due to changing factors, landowners of all portfolio sizes are experiencing difficulties with squatters which means demand for our services is increasing dramatically.  ARTICLE October 2018

A day in the life of an High Court Enforcement Officer (HCEO).  In the first of a new series, Frank Whitworth recalls tales from his every day working experiences as a High Court Enforcement Officer (HCEO) ARTICLE September 2016

A debtors home - his own or his creditors?  What is fair contribution, and what might be agreed as the maximum period over which a debtor is expected to contribute, if his property is to be protected? ARTICLE March 2016

A diabolical liberty.  David Andrews, Freeland Business Journalist, suggests, giving money away to young people, a 'citizen's inheritance' is not the answer to our current problems of a divided society with huge disparities in wealth.  ARTICLE June 2018

A fond farewell. Debbie Tuckwood, Chief Advisor, reports on CICM's tribute to two significant figures from the Assesement Board ARTICLE October 2019

A force for good.  Sean Feast, Managing Editor, Gravity, visits the Personal Finance Research Centre (PFRC) at the University of Bristol to discover more about the team behind recent research into vulnerability.  ARTICLE May 2018

A golden pyrrhic victory.  The renunciation of a contract may be accepted, but it can result in unforeseen consequences.  Peter Walker, looks at a recent case decided in the Supreme Court, which considered the validity of an arbitration award worth over $3 million (England) ARTICLE October 2015

A good budget for exports? Andrea Kirby reflects on the doubling in export credit lending ARTICLE June 2014

A graduate's pathway to credit risk analysis.  Dan talks about his career since graduating at Sheffield Hallam University and a typical day in his current role at Anixter as a credit risk analyst.  ARTICLE June 2018

A helping hand.  In the first in a new series, Sean Feast, Editor of Credit Management, asks some of the UK's leading consumer collections agencies to 'make their case' in how they manage vulnerable customers in the wake of a recent Financial Conduct Authority (FCA) report (England) ARTICLE May 2015

A job for life. A profile on the long and distinguished career in credit management of Brenda Linger ARTICLE February 2013

A landmark moment.  Lesley Batchelor, Director General of The Institute of Export and International Trade suggests the signing of a new trade agreement could be a solution for UK exporters post Brexit.  ARTICLE May 2018

A marvellous and valuable service. Credit Management describes how the CICM Legal Helpline, in association with Corporate Partner DWF, is helping members to navigate the ever changing legal and regulatory landscape (England) ARTICLE June 2017

A matter of life and death.  Charlie Robertson, CICM Chair looks at changes to the economy ARTICLE October 2011

A Modest Proposal? - Stephen Baister, President of the Institute of Credit Management, offers a very personal view on new Insolvency proposals - Time to pay. Complex matters. Powerful reasons (England) ARTICLE January 2012

A new framework.  In the first of a two part feature.  Amanda Hulme and Rosanna Bryant, Partners at Addleshaw Goddard LLP examine what the Consumer Rights Act means for the financial services sector in terms of the purchase of goods, services and digital content (England) ARTICLE June 2015

A new free online resource exclusively for CICM members.  Access over 1,000 knowledge resources about credit and collections anytime, anywhere - find key articles, research papers from industry experts, webinars, and best practice guidance in an easy to search format.  Stay up to date - new and topical resources added each month ARTICLE January/February 2018

A new place to find security - Martin Brassell, Co-founder and Chief Executive of Inngot on harnessing the potential in intangible assets - A growing need. An intangible asset. New times, new solutions. Valuing intangibles. How do you pin down intangibles? ARTICLE March 2012

A question of culture.  The conclusion of the two part article on Saudi Arabia looks at local customs and how to tender for business ARTICLE October 2016

A recipe for success. Sean Feast, Editor of Credit Management, speaks to Nick Pilavidis, CEO of the Australian Institute of Credit Management, and the challenges faced by Australian businesses ARTICLE April 2017

A reporting health check -  how to make credit and debt reports fit  for purpose EBUZZ May 2019

A right royal rip off? Jeremy Sutcliffe analyses the latest insolvency statistics and questions over whether the insolvency process is value for money. (England) ARTICLE April 2013

A risky business. Julie-Anne Gage assesses whether payday lending is a fair trade in a tough world or the next subprime time-bomb ARTICLE March 2013

A risky business. Peter Walker, recently involved in property development, says that recent legal cases should alert credit managers to check that the correct procedures have been followed ARTICLE February 2013

A Spring in the step?  Jason Braidwood FCICM (Grad), Head of Credit and Collections at Creditsafe Group analysis the latest monthly business to business payment performance statistics ARTICLE May 2016

A spring in your step.  Jason Braidwood, Head of Credit and Collections, Creditsafe Business Solution, asks if Spring has finally sprung in reducing payment terms.  ARTICLE April 2018

A state of mind - The publication of a new guide to help vulnerable debtors has caused quite a stir within the consumer credit industry, as Sean Feast discovers - "No-one likes to be asked to pay back a debt.  But to suggest that the whole experience will be a nightmare is harsh and simply untrue ..." - Playing to the gallery. Robust defence (England) ARTICLE September 2012

A statement of intent?  Jason Braidwood FCICM (Grad), Head of Credit and Collections at Creditsafe Business Solutions, highlights that payment terms have reduced significantly across a number of sectors.  ARTICLE May 2018

A tale of two standards?  Heather Greig-Smith, Freelance Business Journalist, asks, how should debt collection agencies and their staff be remunerated to drive fair outcomes for all? (England).  ARTICLE July/August 2018

A tale of two wallets.  Phil Davies gives his personal perspective on American v European payment 'wallet' models ARTICLE July/August 2016

A third of businesses plan to maximise new apprenticeship levy. Research from the Chartered Institute of Credit Management (CICM) shows one in three firms who employ CICM members are planning to invest in credit management/collections apprenticeships in 2017 ARTICLE April 2017

A Time to Judge, Sean Feast, editor of Credit Management magazine, interviews Richard Judge, CEO of The Insolvency Service, on his plans to build a respected agency. (England) ARTICLE March 2014