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Turning One-Off AI Chats into Reliable Credit Workflows: A Practical Prompting Guide

B2B credit management is entering a new phase as AI tools become more common—but most teams are still using them in inconsistent, one-off ways that limit their impact.

This white paper, in collaboration with Handle, explores how credit professionals can move from ad hoc AI usage to structured, repeatable workflows. It outlines practical prompt design frameworks and real-world use cases that help transform AI from a casual tool into a reliable part of daily credit operations. The report highlights how standardized prompts, privacy-first practices and simple team-wide systems can improve efficiency, consistency, and decision support—while reinforcing that human judgment remains central to effective credit management.

All White Papers Below

August 2023

The State of Accounts Receivable Automation 2023

The B2B credit landscape is set to evolve, ushering in an era of smarter, more agile and data-informed credit operations. By integrating automated tools, credit departments can better serve their organizations, customers and stakeholders. Download NACM’s latest white paper in partnership with BlackLine, The State of Accounts Receivable Automation 2023, to discover current technology trends and what the future may hold for the credit department. Other key findings include: Most credit departments (82%) have only one to four team members involved in cash application Nearly half o…
July 2023

Unlocking Financial Trust: The Role of Bank References in Establishing Creditworthiness

Credit managers are the professional investigators of the financial world. Just like detectives, they meticulously gather data from various sources, such as credit reports, financial statements, and bank references, piecing together the financial puzzle. Download NACM’s latest white paper in partnership with Thomson Reuters Confirmation, Unlocking Financial Trust: The Role of Bank References in Establishing Creditworthiness, to learn how bank references are imperative in the credit investigation. Other key findings include: 27% of companies lose more than $1M in revenue each year …
April 2023

Don’t Let Change Orders Stand Between You and Getting Paid

On average, 35% of projects experience at least one major change, according to an Independent Project Analysis Group study. Despite being commonplace, they create some of the biggest headaches for subcontractors and material suppliers. Download the NACM Expert Credit Brief, Maximizing Your Leverage When Discussing Change Orders, to learn more about how to put yourself in the best position to avoid conflicts and get paid on time. The white paper powered by NACM Thought Leaders covers: Types of change orders What a change order should contain Common problems regarding change o…
April 2023

Beyond the Numbers: The Art of Measuring Modern Credit Department Performance

In the credit industry, there is rarely a clear right or wrong approach to any given situation. Credit professionals are tasked with using their best judgment to find solutions to complex problems. This makes measuring credit department performance both challenging and necessary. Download the NACM Expert Credit Brief, Beyond the Numbers: The Art of Measuring Modern Credit Department Performance, to explore the wide range of formulas that exist to measure the ever-expanding list of tasks that fall under the responsibility of credit managers. Key findings in this white paper p…
December 2022

Guidelines for Assigning Collector Workload

Every company’s success starts with its people. But as the economy tightens, collection activity naturally increases and staffing in the credit department rarely matches the demands of maintaining collection efforts. Give your existing collectors every opportunity for success by assigning workload in a way that allows your team to divide and conquer collection activity. Download the NACM Expert Credit Brief, Guidelines for Assigning Collector Workload, to learn more about the different types of automation and how to persuade upper management of the benefits. The white paper power…
October 2022

Build Your Case for Automation

Business-to-business (B2B) credit professionals are expected to do more with less in today’s world, but automation can bridge the gap. Yet, most credit departments use automation in only 25% or less of their processes, according to an eNews poll. One difference between those departments in the infancy stage of automation and those in the advanced stage is the credit department’s ability to build a solid argument that appeals to upper management. Download the NACM Expert Credit Brief, Build Your Case for Automation, to learn more about the different types of automation and how to per…
June 2022

Keep DSO in Its Place

Measuring days sales outstanding remains a long-standing benchmark for senior management because it measures the number of days it takes to turn sales into cash—despite many credit professionals not being a fan of it. However, there are several ways to measure DSO—some better than others. Download the NACM Expert Credit Brief, Managing DSO, to learn more about the different ways to measure DSO and the pros and cons of each. The white paper powered by NACM Thought Leaders covers: Standard or Average DSO Best Possible DSO True DSO Average Days Delinquent Sales Weighted DSO