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September 30, 2025
AI Prompt Libary
B2B Credit Manager AI Prompt Library
💡 Credit Pulse Integration: Prompts marked with the
Credit Pulse badge can automatically pull customer data from Credit Pulse, including credit scores, payment history, financial information, public records, trade data, and industry benchmarks.
Table of Contents
Credit Analysis & Risk Assessment
1. New Customer Credit Assessment Credit Pulse
Analyze the following customer information and provide a credit risk assessment:
Company Name: [NAME]
Industry: [INDUSTRY]
Years in Business: [YEARS]
Annual Revenue: [AMOUNT]
Credit Score: [SCORE]
Financial Ratios: [DATA]
Trade References: [REFERENCES]
Payment History: [HISTORY]
Please provide:
1. Overall credit risk rating (Low/Medium/High)
2. Recommended credit limit
3. Suggested payment terms
4. Key risk factors identified
5. Red flags or concerns
6. Recommended monitoring frequency
Company Name: [NAME]
Industry: [INDUSTRY]
Years in Business: [YEARS]
Annual Revenue: [AMOUNT]
Credit Score: [SCORE]
Financial Ratios: [DATA]
Trade References: [REFERENCES]
Payment History: [HISTORY]
Please provide:
1. Overall credit risk rating (Low/Medium/High)
2. Recommended credit limit
3. Suggested payment terms
4. Key risk factors identified
5. Red flags or concerns
6. Recommended monitoring frequency
2. Financial Statement Analysis Credit Pulse
Review the attached financial statements and provide a comprehensive credit analysis:
Company: [NAME]
Period: [DATE RANGE]
Financial Documents: [BALANCE SHEET, INCOME STATEMENT, CASH FLOW]
Analyze:
- Liquidity ratios (Current Ratio, Quick Ratio)
- Leverage ratios (Debt-to-Equity, Interest Coverage)
- Profitability ratios (Net Margin, ROA, ROE)
- Cash flow trends
- Working capital position
- Year-over-year performance
Provide a summary recommendation for credit extension.
Company: [NAME]
Period: [DATE RANGE]
Financial Documents: [BALANCE SHEET, INCOME STATEMENT, CASH FLOW]
Analyze:
- Liquidity ratios (Current Ratio, Quick Ratio)
- Leverage ratios (Debt-to-Equity, Interest Coverage)
- Profitability ratios (Net Margin, ROA, ROE)
- Cash flow trends
- Working capital position
- Year-over-year performance
Provide a summary recommendation for credit extension.
3. Deteriorating Account Analysis Credit Pulse
Customer [NAME] shows signs of financial deterioration:
Recent indicators:
- Payment delays: [DAYS]
- Account balance: [AMOUNT]
- DSO trend: [DATA]
- Credit score: [CURRENT SCORE]
- Score change: [+/- POINTS]
- Credit utilization: [PERCENTAGE]
- Public records: [ANY NEW LIENS/JUDGMENTS]
- Recent financial news: [SUMMARY]
Provide:
1. Severity assessment
2. Immediate action items
3. Communication strategy
4. Credit limit adjustment recommendation
5. Risk mitigation plan
Recent indicators:
- Payment delays: [DAYS]
- Account balance: [AMOUNT]
- DSO trend: [DATA]
- Credit score: [CURRENT SCORE]
- Score change: [+/- POINTS]
- Credit utilization: [PERCENTAGE]
- Public records: [ANY NEW LIENS/JUDGMENTS]
- Recent financial news: [SUMMARY]
Provide:
1. Severity assessment
2. Immediate action items
3. Communication strategy
4. Credit limit adjustment recommendation
5. Risk mitigation plan
Credit Pulse Data Analysis Credit Pulse
4. Credit Pulse Score Interpretation Credit Pulse
Analyze the Credit Pulse score changes for customer [NAME]:
Previous Score: [SCORE] (Date: [DATE])
Current Score: [SCORE] (Date: [DATE])
Score Change: [+/- POINTS]
Industry Benchmark: [SCORE]
Credit Pulse indicators:
- Payment trend: [DATA]
- Credit utilization: [PERCENTAGE]
- Public records: [STATUS]
- Trade data: [SUMMARY]
Provide:
1. Interpretation of score change
2. Key drivers of the change
3. Comparison to industry peers
4. Recommended account actions
5. Monitoring frequency adjustment
Previous Score: [SCORE] (Date: [DATE])
Current Score: [SCORE] (Date: [DATE])
Score Change: [+/- POINTS]
Industry Benchmark: [SCORE]
Credit Pulse indicators:
- Payment trend: [DATA]
- Credit utilization: [PERCENTAGE]
- Public records: [STATUS]
- Trade data: [SUMMARY]
Provide:
1. Interpretation of score change
2. Key drivers of the change
3. Comparison to industry peers
4. Recommended account actions
5. Monitoring frequency adjustment
5. Credit Pulse Alert Response Credit Pulse
We received a Credit Pulse alert for customer [NAME]:
Alert Type: [ALERT]
Alert Severity: [LEVEL]
Alert Details: [DESCRIPTION]
Current Credit Limit: [AMOUNT]
Outstanding Balance: [AMOUNT]
Based on Credit Pulse data:
- Recent delinquencies: [DATA]
- Payment index: [SCORE]
- Credit inquiries: [NUMBER]
- Industry comparison: [PERCENTILE]
Recommend immediate actions and communication strategy.
Alert Type: [ALERT]
Alert Severity: [LEVEL]
Alert Details: [DESCRIPTION]
Current Credit Limit: [AMOUNT]
Outstanding Balance: [AMOUNT]
Based on Credit Pulse data:
- Recent delinquencies: [DATA]
- Payment index: [SCORE]
- Credit inquiries: [NUMBER]
- Industry comparison: [PERCENTILE]
Recommend immediate actions and communication strategy.
6. Credit Pulse Trend Analysis Credit Pulse
Analyze the Credit Pulse trends for our top 20 customers over the past 6 months:
[PROVIDE DATA TABLE OR SUMMARY]
Identify:
1. Customers with improving scores (upgrade opportunities)
2. Customers with declining scores (risk flags)
3. Industry-wide trends affecting our portfolio
4. Correlation between Credit Pulse scores and our payment experience
5. Recommended portfolio rebalancing actions
[PROVIDE DATA TABLE OR SUMMARY]
Identify:
1. Customers with improving scores (upgrade opportunities)
2. Customers with declining scores (risk flags)
3. Industry-wide trends affecting our portfolio
4. Correlation between Credit Pulse scores and our payment experience
5. Recommended portfolio rebalancing actions
Customer Communication
7. Credit Limit Increase Request Response Credit Pulse
Draft a professional response to a credit limit increase request:
Customer: [NAME]
Current Limit: [AMOUNT]
Requested Limit: [AMOUNT]
Account History: [SUMMARY]
Payment Performance: [DATA]
Current Credit Score: [SCORE]
Recent Score Trend: [IMPROVING/STABLE/DECLINING]
Decision: [APPROVE/DENY/CONDITIONAL]
Create a diplomatic email that:
- Acknowledges their request
- Explains our decision and rationale
- Maintains positive relationship
- Provides alternative solutions if denied
- Sets clear expectations
Customer: [NAME]
Current Limit: [AMOUNT]
Requested Limit: [AMOUNT]
Account History: [SUMMARY]
Payment Performance: [DATA]
Current Credit Score: [SCORE]
Recent Score Trend: [IMPROVING/STABLE/DECLINING]
Decision: [APPROVE/DENY/CONDITIONAL]
Create a diplomatic email that:
- Acknowledges their request
- Explains our decision and rationale
- Maintains positive relationship
- Provides alternative solutions if denied
- Sets clear expectations
8. Credit Limit Reduction Notification Credit Pulse
Draft a tactful communication informing customer [NAME] of credit limit reduction:
Current Limit: [AMOUNT]
New Limit: [AMOUNT]
Reasons: [CREDIT SCORE DECLINE/PAYMENT DELAYS/PUBLIC RECORDS]
Current Credit Score: [SCORE]
Effective Date: [DATE]
Current Balance: [AMOUNT]
Create a message that:
- Maintains professional relationship
- Clearly explains business rationale
- Provides path to reinstatement
- Offers discussion opportunity
- Includes contact information
Current Limit: [AMOUNT]
New Limit: [AMOUNT]
Reasons: [CREDIT SCORE DECLINE/PAYMENT DELAYS/PUBLIC RECORDS]
Current Credit Score: [SCORE]
Effective Date: [DATE]
Current Balance: [AMOUNT]
Create a message that:
- Maintains professional relationship
- Clearly explains business rationale
- Provides path to reinstatement
- Offers discussion opportunity
- Includes contact information
9. Payment Terms Negotiation
Prepare talking points for negotiating payment terms with [CUSTOMER]:
Current Terms: [TERMS]
Requested Terms: [TERMS]
Customer Profile: [DETAILS]
Strategic Importance: [LEVEL]
Market conditions: [INFO]
Develop:
1. Our optimal position
2. Minimum acceptable terms
3. Counteroffers and conditions
4. Risk mitigation requirements
5. Value-adds we can offer
Current Terms: [TERMS]
Requested Terms: [TERMS]
Customer Profile: [DETAILS]
Strategic Importance: [LEVEL]
Market conditions: [INFO]
Develop:
1. Our optimal position
2. Minimum acceptable terms
3. Counteroffers and conditions
4. Risk mitigation requirements
5. Value-adds we can offer
10. Proactive Risk Communication Credit Pulse
Draft a proactive outreach email to a customer showing early risk signals:
Customer: [NAME]
Risk Signals: [CREDIT SCORE DECLINE/PAYMENT DELAYS/PUBLIC RECORDS]
Credit Score Change: [DATA]
Current Status: [SUMMARY]
Create a supportive message that:
- Expresses partnership commitment
- Addresses concerns diplomatically
- Offers assistance/resources
- Requests updated information
- Maintains trust and rapport
Customer: [NAME]
Risk Signals: [CREDIT SCORE DECLINE/PAYMENT DELAYS/PUBLIC RECORDS]
Credit Score Change: [DATA]
Current Status: [SUMMARY]
Create a supportive message that:
- Expresses partnership commitment
- Addresses concerns diplomatically
- Offers assistance/resources
- Requests updated information
- Maintains trust and rapport
Collections & Recovery
11. Escalation Strategy Development Credit Pulse
Create a collections escalation strategy for customer [NAME]:
Current Status:
- Days Past Due: [DAYS]
- Amount Outstanding: [AMOUNT]
- Previous Contact History: [SUMMARY]
- Customer Response Pattern: [DESCRIPTION]
- Credit Score: [SCORE]
- Payment History Trend: [DATA]
Develop a 5-stage escalation plan including:
1. Communication channels per stage
2. Key message points
3. Timing between stages
4. Decision points for legal action
5. Relationship preservation tactics
Current Status:
- Days Past Due: [DAYS]
- Amount Outstanding: [AMOUNT]
- Previous Contact History: [SUMMARY]
- Customer Response Pattern: [DESCRIPTION]
- Credit Score: [SCORE]
- Payment History Trend: [DATA]
Develop a 5-stage escalation plan including:
1. Communication channels per stage
2. Key message points
3. Timing between stages
4. Decision points for legal action
5. Relationship preservation tactics
12. Payment Plan Proposal Credit Pulse
Design a payment plan for customer [NAME]:
Total Outstanding: [AMOUNT]
Age of Debt: [BREAKDOWN]
Customer Situation: [DESCRIPTION]
Payment Capacity: [ASSESSMENT]
Credit Score: [SCORE]
Financial Health Indicators: [DATA]
Create:
1. Proposed payment schedule
2. Terms and conditions
3. Consequences of default
4. Incentives for compliance
5. Monitoring and adjustment provisions
Total Outstanding: [AMOUNT]
Age of Debt: [BREAKDOWN]
Customer Situation: [DESCRIPTION]
Payment Capacity: [ASSESSMENT]
Credit Score: [SCORE]
Financial Health Indicators: [DATA]
Create:
1. Proposed payment schedule
2. Terms and conditions
3. Consequences of default
4. Incentives for compliance
5. Monitoring and adjustment provisions
13. Collections Email Template Credit Pulse
Generate a professional collections email for [STAGE] of collections:
Customer: [NAME]
Invoice Number(s): [NUMBERS]
Amount Due: [AMOUNT]
Due Date: [DATE]
Days Overdue: [NUMBER]
Previous Contact: [Y/N]
Current Credit Standing: [SCORE/STATUS]
Tone: [FIRM BUT PROFESSIONAL/URGENT/FINAL NOTICE]
Include:
- Clear payment demand
- Specific deadline
- Consequences of non-payment
- Payment options
- Contact information
Customer: [NAME]
Invoice Number(s): [NUMBERS]
Amount Due: [AMOUNT]
Due Date: [DATE]
Days Overdue: [NUMBER]
Previous Contact: [Y/N]
Current Credit Standing: [SCORE/STATUS]
Tone: [FIRM BUT PROFESSIONAL/URGENT/FINAL NOTICE]
Include:
- Clear payment demand
- Specific deadline
- Consequences of non-payment
- Payment options
- Contact information
14. Dispute Resolution Strategy
Analyze the following invoice dispute and recommend resolution:
Customer: [NAME]
Disputed Amount: [AMOUNT]
Customer Claim: [DESCRIPTION]
Our Position: [DESCRIPTION]
Supporting Documentation: [AVAILABLE]
Account History: [SUMMARY]
Provide:
1. Dispute validity assessment
2. Recommended resolution approach
3. Compromise options
4. Process improvement recommendations
5. Communication script
Customer: [NAME]
Disputed Amount: [AMOUNT]
Customer Claim: [DESCRIPTION]
Our Position: [DESCRIPTION]
Supporting Documentation: [AVAILABLE]
Account History: [SUMMARY]
Provide:
1. Dispute validity assessment
2. Recommended resolution approach
3. Compromise options
4. Process improvement recommendations
5. Communication script
15. Bad Debt Write-Off Analysis Credit Pulse
Evaluate whether to write off the following account:
Customer: [NAME]
Amount: [TOTAL]
Age: [MONTHS/YEARS]
Collection Efforts: [SUMMARY]
Customer Status: [BANKRUPTCY/CLOSED/UNRESPONSIVE]
Credit Score: [LAST KNOWN SCORE]
Public Records: [BANKRUPTCY/LIENS/JUDGMENTS]
Recovery Likelihood: [ASSESSMENT]
Legal Action Status: [STATUS]
Recommend:
1. Write-off decision with justification
2. Tax implications summary
3. Documentation requirements
4. Final recovery attempts
5. Lessons learned for credit policy
Customer: [NAME]
Amount: [TOTAL]
Age: [MONTHS/YEARS]
Collection Efforts: [SUMMARY]
Customer Status: [BANKRUPTCY/CLOSED/UNRESPONSIVE]
Credit Score: [LAST KNOWN SCORE]
Public Records: [BANKRUPTCY/LIENS/JUDGMENTS]
Recovery Likelihood: [ASSESSMENT]
Legal Action Status: [STATUS]
Recommend:
1. Write-off decision with justification
2. Tax implications summary
3. Documentation requirements
4. Final recovery attempts
5. Lessons learned for credit policy
Portfolio Management
16. Portfolio Risk Dashboard Credit Pulse
Create a summary dashboard view of our credit portfolio:
Total AR: [AMOUNT]
Number of Accounts: [NUMBER]
Average DSO: [DAYS]
Average Credit Score: [SCORE]
Past Due >90 Days: [AMOUNT/PERCENTAGE]
Credit Limit Utilization: [PERCENTAGE]
Analyze and highlight:
1. Top 10 risk accounts
2. Industry concentration risks
3. Geographic exposure
4. Aging trend analysis
5. Month-over-month changes
6. Recommended priority actions
Total AR: [AMOUNT]
Number of Accounts: [NUMBER]
Average DSO: [DAYS]
Average Credit Score: [SCORE]
Past Due >90 Days: [AMOUNT/PERCENTAGE]
Credit Limit Utilization: [PERCENTAGE]
Analyze and highlight:
1. Top 10 risk accounts
2. Industry concentration risks
3. Geographic exposure
4. Aging trend analysis
5. Month-over-month changes
6. Recommended priority actions
17. Customer Segmentation Analysis Credit Pulse
Segment our customer base for differentiated credit management:
Total Customers: [NUMBER]
Available Data: [REVENUE, PAYMENT HISTORY, CREDIT SCORES, INDUSTRY, SIZE, ETC.]
Create segments based on:
1. Payment behavior
2. Credit scores and risk profile
3. Strategic value
4. Growth potential
For each segment, recommend:
- Credit terms and limits
- Monitoring frequency
- Communication approach
- Resource allocation
Total Customers: [NUMBER]
Available Data: [REVENUE, PAYMENT HISTORY, CREDIT SCORES, INDUSTRY, SIZE, ETC.]
Create segments based on:
1. Payment behavior
2. Credit scores and risk profile
3. Strategic value
4. Growth potential
For each segment, recommend:
- Credit terms and limits
- Monitoring frequency
- Communication approach
- Resource allocation
Reporting & Documentation
18. Monthly Credit Report Credit Pulse
Generate a comprehensive monthly credit management report:
Period: [MONTH/YEAR]
Key Metrics:
- Total AR: [AMOUNT]
- DSO: [DAYS]
- Past Due: [AMOUNT/PERCENTAGE]
- Bad Debt: [AMOUNT/PERCENTAGE]
- New Credit Accounts: [NUMBER]
- Credit Limit Changes: [NUMBER]
- Average Portfolio Credit Score: [SCORE]
Include:
1. Executive summary
2. Trend analysis
3. Risk assessment
4. Major account updates
5. Policy exceptions granted
6. Recommendations for next period
Period: [MONTH/YEAR]
Key Metrics:
- Total AR: [AMOUNT]
- DSO: [DAYS]
- Past Due: [AMOUNT/PERCENTAGE]
- Bad Debt: [AMOUNT/PERCENTAGE]
- New Credit Accounts: [NUMBER]
- Credit Limit Changes: [NUMBER]
- Average Portfolio Credit Score: [SCORE]
Include:
1. Executive summary
2. Trend analysis
3. Risk assessment
4. Major account updates
5. Policy exceptions granted
6. Recommendations for next period
19. Credit Committee Presentation Credit Pulse
Prepare a presentation for credit committee regarding [TOPIC]:
Meeting Date: [DATE]
Attendees: [LIST]
Decision Required: [DESCRIPTION]
Background: [CONTEXT]
Financial Impact: [AMOUNT]
Credit Data: [SCORES, PAYMENT TRENDS, PUBLIC RECORDS]
Create presentation covering:
1. Situation overview
2. Risk analysis
3. Financial implications
4. Alternatives considered
5. Recommendation with rationale
6. Implementation plan
7. Monitoring approach
Meeting Date: [DATE]
Attendees: [LIST]
Decision Required: [DESCRIPTION]
Background: [CONTEXT]
Financial Impact: [AMOUNT]
Credit Data: [SCORES, PAYMENT TRENDS, PUBLIC RECORDS]
Create presentation covering:
1. Situation overview
2. Risk analysis
3. Financial implications
4. Alternatives considered
5. Recommendation with rationale
6. Implementation plan
7. Monitoring approach
Credit Policy & Strategy
20. Credit Policy Update
Review and update our credit policy considering:
Current Policy Date: [DATE]
Market Changes: [SUMMARY]
Regulatory Changes: [DESCRIPTION]
Business Strategy Shift: [DETAILS]
Performance Issues: [OBSERVATIONS]
Recommend updates to:
1. Credit approval thresholds
2. Payment terms standards
3. Risk appetite statements
4. Escalation procedures
5. Exception approval authority
6. Monitoring requirements
Current Policy Date: [DATE]
Market Changes: [SUMMARY]
Regulatory Changes: [DESCRIPTION]
Business Strategy Shift: [DETAILS]
Performance Issues: [OBSERVATIONS]
Recommend updates to:
1. Credit approval thresholds
2. Payment terms standards
3. Risk appetite statements
4. Escalation procedures
5. Exception approval authority
6. Monitoring requirements
Web Search-Enabled Prompts Web Search
21. Current Economic Indicators Impact on Credit Web Search
Search for and analyze the latest economic indicators (GDP growth, inflation rates, unemployment, interest rates) and explain how these conditions should influence our B2B credit policies and risk appetite. Include specific recommendations for credit limit adjustments, payment terms, and monitoring frequency based on current economic trends.
22. Industry Credit Trends Research Web Search
Research current credit and payment trends in the following industries: manufacturing, technology, retail, and healthcare. Provide a report on:
1. Average Days Sales Outstanding (DSO) by industry
2. Common payment terms
3. Recent bankruptcy or distress trends
4. Recommended risk weightings for each sector
5. Industries to avoid or approach cautiously
1. Average Days Sales Outstanding (DSO) by industry
2. Common payment terms
3. Recent bankruptcy or distress trends
4. Recommended risk weightings for each sector
5. Industries to avoid or approach cautiously
23. Credit Management Technology Landscape Web Search
Research and summarize the current state of credit management software and technology solutions. Include:
1. Leading platforms and their key features
2. Emerging AI/ML tools for credit risk assessment
3. Automated collections tools
4. Credit data providers and bureaus
5. Integration capabilities with ERP systems
6. Typical pricing models
7. ROI considerations
Provide recommendations for technology stack priorities.
1. Leading platforms and their key features
2. Emerging AI/ML tools for credit risk assessment
3. Automated collections tools
4. Credit data providers and bureaus
5. Integration capabilities with ERP systems
6. Typical pricing models
7. ROI considerations
Provide recommendations for technology stack priorities.
24. Fraudulent Financial Statement Red Flags Web Search
Research and compile a comprehensive list of red flags that indicate potential financial statement fraud or manipulation. Include real-world examples from recent cases, detection techniques, and recommended verification procedures for credit analysts.
25. Alternative Data in Credit Decisions Web Search
Research how alternative data sources (social media, online reviews, website traffic, job postings, etc.) are being used in B2B credit decisions. What are the benefits, limitations, and legal considerations? Provide recommendations on which alternative data sources are most valuable.
Headcount & Leadership Signals Credit Pulse
26. Headcount Growth Rate Analysis Credit Pulse
Using Credit Pulse headcount data and job postings, analyze team growth for customer [NAME]:
Period: [DATE RANGE]
Inputs: [HEADCOUNT HISTORY, NEW POSTINGS, FILLED ROLES, DEPARTURES]
Calculate and report:
1. Monthly headcount growth rate and 3-month rolling trend
2. Hiring velocity (open → filled time) and fill rate
3. Estimated attrition rate and net adds
4. Functions growing fastest/slowest
5. Credit risk implications and recommended monitoring cadence
Period: [DATE RANGE]
Inputs: [HEADCOUNT HISTORY, NEW POSTINGS, FILLED ROLES, DEPARTURES]
Calculate and report:
1. Monthly headcount growth rate and 3-month rolling trend
2. Hiring velocity (open → filled time) and fill rate
3. Estimated attrition rate and net adds
4. Functions growing fastest/slowest
5. Credit risk implications and recommended monitoring cadence
27. CXO Turnover Watch Credit Pulse
Review leadership changes at [NAME] (CEO, CFO, COO, CIO/CTO, CRO) using Credit Pulse leadership signals:
Window: [LAST 24 MONTHS]
For each role, provide: incumbent/exit dates, tenure, successor profile, and any disclosed reasons or filings.
Assess:
1. Leadership stability vs. industry norms
2. Potential impacts on liquidity, working capital, and purchasing behavior
3. Recommended credit actions and communication plan
Window: [LAST 24 MONTHS]
For each role, provide: incumbent/exit dates, tenure, successor profile, and any disclosed reasons or filings.
Assess:
1. Leadership stability vs. industry norms
2. Potential impacts on liquidity, working capital, and purchasing behavior
3. Recommended credit actions and communication plan
28. Hiring Freeze / Layoff Signal Detection Credit Pulse
Detect hiring freeze or layoff indicators for [NAME]:
Signals: [JOB POSTING DECLINES, WARN NOTICES, HEADCOUNT DROPS, RECRUITING SLOWDOWN]
Provide:
1. Timeline of signals and magnitude (% reduction)
2. Affected functions/regions
3. Short-term liquidity and payment risk assessment
4. Credit limit/terms recommendations and outreach script
Signals: [JOB POSTING DECLINES, WARN NOTICES, HEADCOUNT DROPS, RECRUITING SLOWDOWN]
Provide:
1. Timeline of signals and magnitude (% reduction)
2. Affected functions/regions
3. Short-term liquidity and payment risk assessment
4. Credit limit/terms recommendations and outreach script
29. Leadership Stability Scoring Credit Pulse
Create a leadership stability score for [NAME] using Credit Pulse leadership data:
Features: [EXEC TENURE, TURNOVER RATE, SUCCESSION GAPS, BOARD CHANGES, CFO TENURE]
Output:
1. Stability score and rating band (Low/Med/High risk)
2. Impact on decision rules (auto-approve/manual/decline)
3. Monitoring and alert thresholds tied to leadership events
Features: [EXEC TENURE, TURNOVER RATE, SUCCESSION GAPS, BOARD CHANGES, CFO TENURE]
Output:
1. Stability score and rating band (Low/Med/High risk)
2. Impact on decision rules (auto-approve/manual/decline)
3. Monitoring and alert thresholds tied to leadership events
Advanced Applications
30. Machine Learning Model - Credit Risk Credit Pulse
Design a machine learning approach to enhance credit decisions:
Available Data:
- Credit Pulse scores and history
- Our payment experience data
- Financial statement data
- Industry data
- Macroeconomic indicators
Objective: [PREDICT DEFAULT/OPTIMIZE LIMITS/FORECAST DSO]
Outline:
1. Data preparation requirements
2. Feature engineering approach
3. Model selection rationale
4. Training and validation strategy
5. Performance metrics
6. Implementation and monitoring
7. Human oversight framework
Available Data:
- Credit Pulse scores and history
- Our payment experience data
- Financial statement data
- Industry data
- Macroeconomic indicators
Objective: [PREDICT DEFAULT/OPTIMIZE LIMITS/FORECAST DSO]
Outline:
1. Data preparation requirements
2. Feature engineering approach
3. Model selection rationale
4. Training and validation strategy
5. Performance metrics
6. Implementation and monitoring
7. Human oversight framework
Usage Tips
For Customizable Prompts:
- Replace bracketed placeholders [LIKE THIS] with your specific information
- Credit Pulse Users: Prompts marked with Credit Pulse can automatically pull data including: credit scores, payment history, financial information, public records (liens, judgments, bankruptcies), trade data, credit utilization, payment trends, industry benchmarks, and delinquency information
- Adjust the level of detail requested based on your needs
- Combine prompts for complex scenarios
- Always verify AI recommendations with your judgment and policy
For Web Search-Enabled Prompts:
- Copy and paste directly - no customization needed
- The AI will automatically search for current information
- Ask follow-up questions to dive deeper
B2B Credit Manager AI Prompt Library - Part 2
💡 Credit Pulse Integration: Prompts marked with the
Credit Pulse badge can automatically pull customer data from Credit Pulse, including credit scores, payment history, financial information, public records, trade data, and industry benchmarks.
Table of Contents - Part 2
Audit Documentation
31. Audit Documentation
Prepare documentation for credit management audit:
Audit Period: [DATES]
Auditor Requirements: [LIST]
Areas of Focus: [TOPICS]
Compile:
1. Credit policy documentation
2. Exception report and approvals
3. Credit limit change justifications
4. Collections efforts documentation
5. Write-off authorizations
6. Risk assessment updates
7. Process compliance evidence
Audit Period: [DATES]
Auditor Requirements: [LIST]
Areas of Focus: [TOPICS]
Compile:
1. Credit policy documentation
2. Exception report and approvals
3. Credit limit change justifications
4. Collections efforts documentation
5. Write-off authorizations
6. Risk assessment updates
7. Process compliance evidence
Year-End Credit Analysis
32. Year-End Credit Analysis Credit Pulse
Conduct comprehensive year-end credit portfolio review:
Fiscal Year: [YEAR]
Beginning AR: [AMOUNT]
Ending AR: [AMOUNT]
Annual Sales: [AMOUNT]
Bad Debt Write-offs: [AMOUNT]
Average Credit Score Change: [DATA]
Analyze:
1. Portfolio performance vs. targets
2. Credit policy effectiveness
3. Risk events and responses
4. Process improvements implemented
5. Customer base evolution
6. Recommendations for next year
Fiscal Year: [YEAR]
Beginning AR: [AMOUNT]
Ending AR: [AMOUNT]
Annual Sales: [AMOUNT]
Bad Debt Write-offs: [AMOUNT]
Average Credit Score Change: [DATA]
Analyze:
1. Portfolio performance vs. targets
2. Credit policy effectiveness
3. Risk events and responses
4. Process improvements implemented
5. Customer base evolution
6. Recommendations for next year
New Product Credit Terms
33. New Product Credit Terms
Develop credit terms for new product line:
Product: [DESCRIPTION]
Target Market: [CUSTOMER PROFILE]
Price Point: [RANGE]
Margin: [PERCENTAGE]
Industry standards: [BENCHMARK]
Sales Cycle: [LENGTH]
Design:
1. Standard payment terms
2. Credit limit guidelines
3. Risk assessment criteria
4. Approval workflow
5. Special considerations
6. Pilot program structure
Product: [DESCRIPTION]
Target Market: [CUSTOMER PROFILE]
Price Point: [RANGE]
Margin: [PERCENTAGE]
Industry standards: [BENCHMARK]
Sales Cycle: [LENGTH]
Design:
1. Standard payment terms
2. Credit limit guidelines
3. Risk assessment criteria
4. Approval workflow
5. Special considerations
6. Pilot program structure
Geographic Expansion Credit Strategy
34. Geographic Expansion Credit Strategy
Create credit management strategy for expansion into [REGION/COUNTRY]:
Target Market: [DESCRIPTION]
Local Business Practices: [SUMMARY]
Legal/Regulatory Environment: [KEY POINTS]
Credit Information Availability: [ASSESSMENT]
Currency Considerations: [FACTORS]
Develop:
1. Credit evaluation framework
2. Local credit terms standards
3. Risk mitigation strategies
4. Collections approach
5. Resource requirements
6. Success metrics
Target Market: [DESCRIPTION]
Local Business Practices: [SUMMARY]
Legal/Regulatory Environment: [KEY POINTS]
Credit Information Availability: [ASSESSMENT]
Currency Considerations: [FACTORS]
Develop:
1. Credit evaluation framework
2. Local credit terms standards
3. Risk mitigation strategies
4. Collections approach
5. Resource requirements
6. Success metrics
Competitive Credit Terms Analysis
35. Competitive Credit Terms Analysis
Analyze credit terms positioning:
Our Current Terms: [DETAILS]
Industry Standard: [BENCHMARK]
Customer Feedback: [SUMMARY]
Market dynamics: [ANALYSIS]
Evaluate:
1. Market gaps/advantages
2. Win/loss analysis impact
3. Risk-adjusted competitiveness
4. Recommended adjustments
5. Implementation approach
Our Current Terms: [DETAILS]
Industry Standard: [BENCHMARK]
Customer Feedback: [SUMMARY]
Market dynamics: [ANALYSIS]
Evaluate:
1. Market gaps/advantages
2. Win/loss analysis impact
3. Risk-adjusted competitiveness
4. Recommended adjustments
5. Implementation approach
Team Management & Training
36. Credit Analyst Training Module
Create a training module for new credit analysts on:
Topic: [SPECIFIC AREA]
Experience Level: [BEGINNER/INTERMEDIATE/ADVANCED]
Duration: [TIME]
Develop content covering:
1. Key concepts and principles
2. Step-by-step procedures
3. Real-world examples
4. Common mistakes to avoid
5. Best practices
6. Assessment criteria
7. Resources and tools
Topic: [SPECIFIC AREA]
Experience Level: [BEGINNER/INTERMEDIATE/ADVANCED]
Duration: [TIME]
Develop content covering:
1. Key concepts and principles
2. Step-by-step procedures
3. Real-world examples
4. Common mistakes to avoid
5. Best practices
6. Assessment criteria
7. Resources and tools
37. Performance Review - Credit Team
Conduct performance review for credit team member:
Employee: [NAME]
Position: [TITLE]
Review Period: [DATES]
Evaluate:
- Accounts managed: [NUMBER]
- DSO performance: [METRIC]
- Collections success rate: [PERCENTAGE]
- Bad debt ratio: [PERCENTAGE]
- Credit decisions accuracy: [ASSESSMENT]
- Customer satisfaction: [FEEDBACK]
- Initiative and improvement: [EXAMPLES]
Provide:
1. Strengths summary
2. Development areas
3. Specific goals for next period
4. Training recommendations
5. Career development discussion
Employee: [NAME]
Position: [TITLE]
Review Period: [DATES]
Evaluate:
- Accounts managed: [NUMBER]
- DSO performance: [METRIC]
- Collections success rate: [PERCENTAGE]
- Bad debt ratio: [PERCENTAGE]
- Credit decisions accuracy: [ASSESSMENT]
- Customer satisfaction: [FEEDBACK]
- Initiative and improvement: [EXAMPLES]
Provide:
1. Strengths summary
2. Development areas
3. Specific goals for next period
4. Training recommendations
5. Career development discussion
38. Process Improvement Workshop
Facilitate a process improvement workshop for:
Process: [CREDIT APPLICATION/COLLECTIONS/MONITORING/ETC.]
Current Pain Points: [LIST]
Team Input: [SUMMARY]
Technology Available: [TOOLS]
Workshop outcomes:
1. Current state map
2. Bottleneck identification
3. Improvement opportunities
4. Future state design
5. Implementation roadmap
6. Success metrics
7. Quick wins
Process: [CREDIT APPLICATION/COLLECTIONS/MONITORING/ETC.]
Current Pain Points: [LIST]
Team Input: [SUMMARY]
Technology Available: [TOOLS]
Workshop outcomes:
1. Current state map
2. Bottleneck identification
3. Improvement opportunities
4. Future state design
5. Implementation roadmap
6. Success metrics
7. Quick wins
39. Credit Risk Scenario Planning
Conduct scenario planning exercise for potential credit events:
Scenario: [ECONOMIC DOWNTURN/MAJOR CUSTOMER BANKRUPTCY/INDUSTRY DISRUPTION]
Potential Impact: [ASSESSMENT]
Portfolio Exposure: [DATA]
Develop:
1. Early warning indicators
2. Impact assessment by severity
3. Response protocols
4. Communication plans
5. Contingency measures
6. Decision-making framework
Scenario: [ECONOMIC DOWNTURN/MAJOR CUSTOMER BANKRUPTCY/INDUSTRY DISRUPTION]
Potential Impact: [ASSESSMENT]
Portfolio Exposure: [DATA]
Develop:
1. Early warning indicators
2. Impact assessment by severity
3. Response protocols
4. Communication plans
5. Contingency measures
6. Decision-making framework
Extended Web Search Prompts Web Search
40. Trade Credit Insurance Market Update Web Search
Research the current trade credit insurance market, including major providers, typical coverage options, premium ranges, and recent market changes. Provide recommendations on when trade credit insurance makes sense for B2B companies and what coverage levels to consider.
41. Bankruptcy Law Updates Web Search
Search for recent changes or updates to bankruptcy laws and procedures that would impact B2B credit managers. Summarize key changes, their effective dates, and how they affect creditor rights, recovery processes, and credit policies.
42. Supply Chain Disruption Credit Impacts Web Search
Research current supply chain disruptions and their impact on business creditworthiness across different industries. Identify which sectors are most affected, typical payment behavior changes, and recommendations for credit managers dealing with customers experiencing supply chain issues.
43. Cyber Risk and Credit Management Web Search
Research the intersection of cybersecurity risks and credit management. How are cyber incidents affecting business creditworthiness? What questions should credit managers ask about a customer's cyber preparedness? Provide a framework for incorporating cyber risk into credit evaluations.
44. International Credit Management Best Practices Web Search
Research best practices for managing international B2B credit, including:
1. Letter of credit vs. other payment methods
2. Currency risk management
3. Export credit insurance
4. Legal considerations by region
5. International collection challenges
6. Cultural differences in payment practices
Focus on practical guidance for US companies selling internationally.
1. Letter of credit vs. other payment methods
2. Currency risk management
3. Export credit insurance
4. Legal considerations by region
5. International collection challenges
6. Cultural differences in payment practices
Focus on practical guidance for US companies selling internationally.
45. ESG Factors in Credit Assessment Web Search
Research how Environmental, Social, and Governance (ESG) factors are being incorporated into B2B credit risk assessment. What ESG metrics matter most for creditworthiness? Are there emerging standards or frameworks? Provide guidance on whether and how to incorporate ESG into credit decisions.
46. Credit Limit Calculation Methodologies Web Search
Research different methodologies and formulas used by credit professionals to calculate appropriate credit limits. Compare approaches such as:
1. Percentage of net worth
2. Percentage of working capital
3. Maximum risk exposure models
4. Industry-specific formulas
5. High-water mark methods
Provide pros and cons of each approach.
1. Percentage of net worth
2. Percentage of working capital
3. Maximum risk exposure models
4. Industry-specific formulas
5. High-water mark methods
Provide pros and cons of each approach.
47. Accounts Receivable Financing Options Web Search
Research current options for accounts receivable financing including factoring, asset-based lending, supply chain finance, and AR securitization. Compare costs, benefits, and appropriate use cases. How can credit managers evaluate whether AR financing makes sense for their company?
48. Legal Collection Strategies by State Web Search
Research how collection laws and statute of limitations vary by US state. What are the key differences credit managers need to know? Create a summary of the most creditor-friendly vs. debtor-friendly states and how this should influence credit decisions for customers in different locations.
49. Small Business Credit Trends Web Search
Research current credit trends specific to small businesses (under $10M revenue). What are typical failure rates, common financial challenges, and early warning signs? How should credit policies for small businesses differ from larger enterprises?
50. Credit Manager Salary and Career Benchmarks Web Search
Research current salary ranges, typical career progression, and skill requirements for credit management professionals at different levels (analyst, manager, director, VP). Include geographic variations and industry differences. What certifications or training provide the best ROI for career advancement?
51. Recession Preparation Checklist Web Search
Based on research of past recession impacts on B2B credit portfolios, create a comprehensive preparation checklist for credit managers. What proactive steps should be taken when recession indicators appear? Include portfolio review procedures, policy adjustments, and communication strategies.
52. Credit Terms Benchmarking by Industry Web Search
Research standard payment terms across different B2B industries. Create a benchmarking guide showing typical terms (Net 30, Net 60, etc.), early payment discounts offered, and late payment penalties. How do terms vary by industry maturity, product type, and competitive dynamics?
53. Working Capital Optimization Strategies Web Search
Research best practices for optimizing working capital from a credit management perspective. How do leading companies balance credit sales growth with cash flow management? What are the latest strategies for reducing DSO while maintaining customer satisfaction?
54. Credit Portfolio Diversification Guidelines Web Search
Research recommended portfolio diversification guidelines for B2B credit. What are safe concentration limits by customer, industry, and geography? How do institutional credit managers approach portfolio construction to minimize systemic risk?
Advanced Credit Pulse Applications
55. Credit Pulse Benchmark Report Credit Pulse
Compare our portfolio's Credit Pulse metrics against industry benchmarks:
Our Portfolio Average Score: [SCORE]
Industry Average Score: [SCORE]
Our Portfolio Distribution: [DATA]
High-Risk Accounts (Score < X): [NUMBER/PERCENTAGE]
Medium-Risk Accounts: [NUMBER/PERCENTAGE]
Low-Risk Accounts: [NUMBER/PERCENTAGE]
Generate:
1. Portfolio health assessment
2. Concentration risk analysis
3. Recommended risk appetite adjustments
4. Target customer profile refinement
Our Portfolio Average Score: [SCORE]
Industry Average Score: [SCORE]
Our Portfolio Distribution: [DATA]
High-Risk Accounts (Score < X): [NUMBER/PERCENTAGE]
Medium-Risk Accounts: [NUMBER/PERCENTAGE]
Low-Risk Accounts: [NUMBER/PERCENTAGE]
Generate:
1. Portfolio health assessment
2. Concentration risk analysis
3. Recommended risk appetite adjustments
4. Target customer profile refinement
56. Credit Pulse Data Integration Strategy Credit Pulse
Develop an automated workflow for Credit Pulse data integration:
Current process: [DESCRIPTION]
Available data points: [LIST]
ERP system: [NAME]
Review frequency: [SCHEDULE]
Create:
1. Automated alert protocols
2. Score threshold triggers for actions
3. Integration with credit limit review process
4. Dashboard requirements for monitoring
5. Exception handling procedures
Current process: [DESCRIPTION]
Available data points: [LIST]
ERP system: [NAME]
Review frequency: [SCHEDULE]
Create:
1. Automated alert protocols
2. Score threshold triggers for actions
3. Integration with credit limit review process
4. Dashboard requirements for monitoring
5. Exception handling procedures
57. Credit Pulse Predictive Analysis Credit Pulse
Using Credit Pulse historical data, identify early warning indicators:
Historical data range: [DATES]
Default/delinquency cases: [NUMBER]
Credit Pulse data points: [AVAILABLE METRICS]
Analyze:
1. Lead time between score deterioration and payment issues
2. Most predictive Credit Pulse indicators for our portfolio
3. Optimal intervention timing
4. False positive rate
5. Recommended monitoring model
Historical data range: [DATES]
Default/delinquency cases: [NUMBER]
Credit Pulse data points: [AVAILABLE METRICS]
Analyze:
1. Lead time between score deterioration and payment issues
2. Most predictive Credit Pulse indicators for our portfolio
3. Optimal intervention timing
4. False positive rate
5. Recommended monitoring model
58. Credit Pulse Score Threshold Calibration Credit Pulse
Calibrate our Credit Pulse score thresholds for automated actions:
Current Thresholds:
- Auto-approval: Score > [X]
- Manual review: Score [X-Y]
- Auto-decline: Score < [Y]
Historical Performance:
- False positive rate: [PERCENTAGE]
- False negative rate: [PERCENTAGE]
- Manual review volume: [NUMBER]
Analyze and recommend:
1. Optimal threshold adjustments
2. Industry-specific variations
3. Account size considerations
4. Balance between risk and efficiency
5. A/B testing approach
Current Thresholds:
- Auto-approval: Score > [X]
- Manual review: Score [X-Y]
- Auto-decline: Score < [Y]
Historical Performance:
- False positive rate: [PERCENTAGE]
- False negative rate: [PERCENTAGE]
- Manual review volume: [NUMBER]
Analyze and recommend:
1. Optimal threshold adjustments
2. Industry-specific variations
3. Account size considerations
4. Balance between risk and efficiency
5. A/B testing approach
59. Credit Pulse Integration ROI Analysis Credit Pulse
Evaluate ROI of Credit Pulse data subscription:
Annual Cost: [AMOUNT]
Usage Statistics: [DATA]
Implementation Date: [DATE]
Measure benefits:
1. Bad debt reduction
2. Early detection success rate
3. Time saved in credit analysis
4. Improved credit decisions
5. Enhanced customer segmentation
6. Risk mitigation value
Calculate ROI and justify continued investment.
Annual Cost: [AMOUNT]
Usage Statistics: [DATA]
Implementation Date: [DATE]
Measure benefits:
1. Bad debt reduction
2. Early detection success rate
3. Time saved in credit analysis
4. Improved credit decisions
5. Enhanced customer segmentation
6. Risk mitigation value
Calculate ROI and justify continued investment.
60. Credit Pulse Multi-Customer Analysis Credit Pulse
Analyze Credit Pulse patterns across customer relationships:
Customer Group: [PARENT COMPANY WITH SUBSIDIARIES/RELATED ENTITIES]
Entities: [LIST]
Individual Credit Pulse Scores: [DATA]
Combined Exposure: [AMOUNT]
Examine:
1. Score correlation across entities
2. Consolidated risk assessment
3. Contagion risk
4. Optimal credit structure
5. Monitoring approach for group
Customer Group: [PARENT COMPANY WITH SUBSIDIARIES/RELATED ENTITIES]
Entities: [LIST]
Individual Credit Pulse Scores: [DATA]
Combined Exposure: [AMOUNT]
Examine:
1. Score correlation across entities
2. Consolidated risk assessment
3. Contagion risk
4. Optimal credit structure
5. Monitoring approach for group
61. Credit Pulse Alert Prioritization Credit Pulse
Prioritize multiple Credit Pulse alerts received today:
[LIST OF ALERTS WITH CUSTOMER NAMES, ALERT TYPES, SCORES, EXPOSURE]
Create prioritized action plan based on:
1. Alert severity
2. Account exposure
3. Current account status
4. Customer strategic importance
5. Resource availability
Provide ranked list with specific next steps for each.
[LIST OF ALERTS WITH CUSTOMER NAMES, ALERT TYPES, SCORES, EXPOSURE]
Create prioritized action plan based on:
1. Alert severity
2. Account exposure
3. Current account status
4. Customer strategic importance
5. Resource availability
Provide ranked list with specific next steps for each.
62. Team Growth vs. Credit Exposure Correlation Credit Pulse
Compare [NAME]'s headcount growth to our credit exposure:
Inputs: [HEADCOUNT TREND, SALES GROWTH, CREDIT UTILIZATION, DSO]
Analyze:
1. Correlation between headcount growth and utilization/DSO
2. Early-warning thresholds when growth stalls or reverses
3. Risk-adjusted limit adjustments and review cadence
Inputs: [HEADCOUNT TREND, SALES GROWTH, CREDIT UTILIZATION, DSO]
Analyze:
1. Correlation between headcount growth and utilization/DSO
2. Early-warning thresholds when growth stalls or reverses
3. Risk-adjusted limit adjustments and review cadence
63. Customer Lifetime Value Analysis Credit Pulse
Calculate credit-risk-adjusted customer lifetime value:
Customer: [NAME/SEGMENT]
Average Annual Revenue: [AMOUNT]
Average Margin: [PERCENTAGE]
Payment Terms Impact: [COST]
Default Risk: [PERCENTAGE]
Credit Score: [SCORE]
Expected Relationship Length: [YEARS]
Cost to Serve: [AMOUNT]
Calculate:
1. CLV without risk adjustment
2. Risk-adjusted CLV
3. Optimal credit investment
4. Profitability threshold for terms
5. Strategic account justification
Customer: [NAME/SEGMENT]
Average Annual Revenue: [AMOUNT]
Average Margin: [PERCENTAGE]
Payment Terms Impact: [COST]
Default Risk: [PERCENTAGE]
Credit Score: [SCORE]
Expected Relationship Length: [YEARS]
Cost to Serve: [AMOUNT]
Calculate:
1. CLV without risk adjustment
2. Risk-adjusted CLV
3. Optimal credit investment
4. Profitability threshold for terms
5. Strategic account justification
64. Automated Decision Engine Design Credit Pulse
Design an automated credit decision engine:
Decision Types: [NEW APPLICATIONS/LIMIT INCREASES/RENEWALS]
Data Sources: [LIST - INCLUDING CREDIT PULSE]
Risk Appetite: [DEFINITION]
Exception Rate Target: [PERCENTAGE]
Define:
1. Decision rules and logic
2. Data inputs and weights
3. Override authorities and criteria
4. Monitoring and feedback loops
5. Continuous improvement process
6. Audit trail requirements
Decision Types: [NEW APPLICATIONS/LIMIT INCREASES/RENEWALS]
Data Sources: [LIST - INCLUDING CREDIT PULSE]
Risk Appetite: [DEFINITION]
Exception Rate Target: [PERCENTAGE]
Define:
1. Decision rules and logic
2. Data inputs and weights
3. Override authorities and criteria
4. Monitoring and feedback loops
5. Continuous improvement process
6. Audit trail requirements
Usage Tips
For Customizable Prompts:
- Replace bracketed placeholders [LIKE THIS] with your specific information
- Credit Pulse Users: Prompts marked with Credit Pulse can automatically pull data including: credit scores, payment history, financial information, public records (liens, judgments, bankruptcies), trade data, credit utilization, payment trends, industry benchmarks, and delinquency information
- Combine prompts for complex scenarios
- Always verify AI recommendations with your judgment and policy
For Web Search-Enabled Prompts:
- Copy and paste directly into Claude or ChatGPT - no customization needed
- The AI will automatically search for current information
- Ask follow-up questions to dive deeper into specific areas
Document Information - Part 2
- Prompts in Part 2: 34 (Prompts 31-64)
- Credit Pulse-Compatible Prompts: 16
- Web Search-Enabled Prompts: 15
Jordan Esbin
Founder & CEO
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