The Chartered Institute of Credit Management (CICM) is the world’s largest professional association for the credit community. Formed over 80 years ago, the Institute was granted its Royal Charter in 2014. The trusted leader in expertise for all credit and collections matters, it represents the profession across trade, consumer and international credit, and all credit-related services. It is the only such organisation accredited by Ofqual and it offers a comprehensive range of services and bespoke solutions for the credit professional (www.cicm.com) as well as services and advice for the wider business community, including the acclaimed CICM/BEIS Managing Cashflow guides. Please join the CICM Credit Community on Linkedin https://www.linkedin.com/groups/94851 and visit http://www.cicm.com