Today’s risk professionals must leverage preemptive risk management practices to identify credit problems before they become problematic while enhancing the relationship with credit worthy customers. Those companies that can first identify credit problems, identify issues earlier than their competitors and have the ability to not only access risk but act quickly – these are the companies that are best suited as the business cycle changes, will have the best job managing good customers without jeopardizing the customer relationship and their organizational brand and will capture the greatest levels of good spend on good customers.