One of the major blockages to expanding export trade is the difficulty of exporters to accurately assess the credit risk of exports, leading to a reluctance to take on new clients or new markets.

It is often difficult to obtain export financing from Banks because they are unable to accurately assess the true credit risks of exports and usually require the exporter to pledge 100% of the financing with real property security or give up a part of their balance sheet strength.

If banks, with all their resources, cannot accurately assess export credit risk how is the exporter expected to come to grips with their own credit risk.

To assist exporters in their dilemma to assess and measure their own credit risk more accurately David Johns started to write a program in 2002, obtained professional research from Sweeney Research Pty Ltd in 2003 and commenced marketing in 2004. The program has been able to meet a large variety of needs amongst the exporters, covering

• large companies needing consistency between their sales people & the credit department
• where there is more than one person making the decision to extend credit
• successful exporters who are comfortable with current clientele but want to expand
• new exporters who needed to learn the basics

David has had over 35 years in management in Australia s major trading banks culminating as State Manager, International Trade & Finance NSW for National Australia Bank. He has a Masters Degree in Applied Finance from Macquarie University, Sydney, is a Fellow of the Australian Institute of Bankers and a Graduate Member of the Australian Institute of Export.

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