About the Business Credit Management Association

Regardless of your company’s size, all businesses share the critically important functions of timely and efficiently converting sales into accounts receivable and then into cash through the extensions of credit. This has become known as the order to cash cycle.

BCMA/WCA is the order to cash\credit person’s support and professional management organization. Our organization provides you with:

  • The latest techniques in managing your receivables
  • Optimal techniques in tactful collection, fraud, and bad debt avoidance and;
  • The opportunity for education that will raise the performance and efficiency of your credit and collection personnel to the highest level

Important and cost savings opportunities to maximize your credit and collections effectiveness are available:

  • Commercial Recovery & Collections
  • Credit & Collections Consulting Services
  • Industry Credit Group Interchanges
  • Educational Webinars & Seminars
  • Professional Accreditations
  • Industry Trend Data
  • Bankruptcy Consulting Services
  • Mediation Services
  • Business Owner Credit Reports
  • Resume Referral Services
  • Temporary Help Services
  • Topical Technical Seminar

Your company needs membership in the BCMA\WCA. Utilization of the above programs and additional services can reduce your credit administration costs & improve your collections and cash flow. Take advantage of all BCMA\WCA has to offer and receive a multi-fold return on your investment.

Financial Ratios & Credit Risk Analysis


December 20, 2023

9:00 a.m. – 10:30 a.m. CT

Presenter: Michael Dennis


In this 90-minute interactive program, Michael Dennis will examine the most important financial ratios for conducting a comprehensive credit risk analysis and learn how to use them effectively. We will review a number of real-life examples and improve your skills.

  • The common ratios used and why
  • Efficiency ratios, Profitability ratios, Liquidity ratios, and Leverage ratios including:
    • Current ratio Return on assets formula
    • Quick ratio Return on equity
    • Gross profit margin The debt-to-equity ratio
    • Operating profit margin Inventory turnover ratio
    • The long-term debt-to-equity ratio After-tax profit margin
    • Accounts receivable turnover ratio
  • Evaluating ratios – historical/comparative
  • Ways to avoid mistakes when using financial ratios



  • $79 BCMA/WCA Members
  • $99 all others


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