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Reviewing risk before extending credit
Practical notes for credit reviewers in Ecuador: what to check, in what order, and how to interpret each signal.
Control lists and PEP status: what to verify before deciding
Distinguish a name match, a sanction, and politically exposed person status. Record the source and check the applicable rules before acting.
How to organize overdue receivables for a priority review
A working approach for comparing balance, age, documentation, and contact status without turning those signals into promises of recovery.
How to review a client's RUC before evaluating credit
Consult tax information at the official source and verify the counterparty's identity. A RUC tax number does not establish ability to pay.