Collateral Monitoring and Relevant Indicators

Title: Collateral Monitoring and Relevant Indicators
Length: 30 Minutes
Discussion:

Now that it's your credit, learn how to monitor your collateral and understand how relevant indicators can enhance your lending strategy.

Training Components:collateral

  • Leading Indicators
    • Lack of inventory replenishment due to loss of vendor support
    • Lack of discounting on aged and out of season merchandise, or change in
      discount strategy
    • Inventory imbalance relative to sales
    • Excessive discounts or margin dilutions
    • Drop in fulfillment rate or customer satisfaction
  • Lagging Indicators
    • Sales trend TY vs LY or TY vs Plan
    • Change in gross margin percentage
    • Operating losses
    • Increased borrowing to fund operating losses or trade payables
    • Shift in inventory aging
  • Frequency of Review
  • Monitoring Points
The more your team knows, the more efficient the appraisal process will be. Hilco would be happy to host your team at our offices or, if more convenient, we can bring Hilco to you. Contact your Relationship Manager or Hilco Appraisal Services' CMO Jim Glickman to enroll your team in this module. We look forward to hearing from you.
  register now