Table of Contents 1. DNBi Overview Define Fields Overview Edit Fields Create custom fields View All Fields...

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2 Table of Contents 1. DNBi Overview Define Fields Overview Edit Fields Create custom fields View All Fields Build Scores Overview View and Edit Scores Create New Account Score Review and Save New Score Define Credit Limits and Terms Overview View Credit Limits and Terms Edit Credit Limits and Terms Set Account Review Rules Overview Create New Rule New or Edit rule Set Recommended Action Define AND conditions Define OR conditions Define OVERRIDE conditions Set Credit Terms RuleSets Enter Processing Instructions Review and Save Set Evaluation Order Import Account Data Overview Viewing Import Log Upload File Map the Fields Review Accounts Overview Review Log Run Review Clear Status Documents Overview Edit a Template Summary... 39

3 1. DNBi Overview DNBi is an interactive, customizable Web application that provides you with the most complete and up-to-date DUNSRight information D&B has available, comprehensive monitoring, and portfolio analysis, all for one set price. DNBi delivers: The Power of insight DNBi empowers you to make more informed, efficient, and insightful credit decisions by providing online access to the most complete and up-to-date information we have available on the more than 100 million companies in the D&B global database. This information is presented in an easy-tonavigate, customizable Web-based format that makes your work life easier. The Freedom of one set price View all the business information you need- when you want and how you want- for one set price. The Confidence of DUNSRight-driven results Have the confidence that all the insight you gain and every decision you make using DNBi is backed by D&B s DUNSRight Quality Process. With D&B, you know you are using the most accurate, timely, and Complete information available.

4 2. Define Fields 2.1 Overview This section allows you to customize the field names in DNBi. This enables you to create custom fields for account information that is not pre-defined in the system, but is vital for your credit review process Figure 1

5 2.2 Edit Fields There are nine data sections containing pre-defined account fields. You can change the display names for a pre-defined account field or add your own additional custom account fields. It is best to first review the pre-defined account fields and name them according to your company s naming conventions. Figure 2

6 2.3 Create custom fields You can add custom fields within account, aging and financials. In the Field column, enter a name for the new field. This will be the label that appears on the screen In the Type column, select the format of the field In the Location column, specify the section in which the information should be displayed The first screen, you can enter up to 15 custom account fields. The second screen contains 15 custom aging fields. The last screen you can enter up to 15 custom financial fields Note: Once you have created and saved a custom field, you cannot change the Type of the field. However, you can edit the field s name and location. Figure 3

7 2.4 View All Fields The screen allows you to review all the fields, both pre-defined and custom. The fields and their associated data types are displayed by section. Figure 4

8 3. Build Scores 3.1 Overview This section allows you to create custom scores to review existing accounts. Scores give you a fast objective measurement of a customer s potential credit risk. Scoring is based on data and statistics, so it is usually more reliable than subjective methods. It treats all accounts objectively. Building different scores allows you to custom tailor your credit product to assess different risk levels. Figure 5

9 3.2 View and Edit Scores A check mark in the box means a score is enabled. Click the View link to open a separate window containing information about the score, including score name, re-allocation method, minimum score, maximum score, start range, end range Click on the Edit link to open the Build Scores wizard and make changes to a saved score. Click on the Delete link to delete a score Figure 6

10 3.3 Create New Account Score Scores are calculated using a set of specific variables that are assigned point values, weighted, and then added together. Scores provide a quantitative measure of credit risk (from 0 to 10) based on variables that you define. To build a score, you will need to first identify the individual variables used to measure customer creditworthiness. Then you will use point values to define values for each variable. Each variable has the potential to rate between 0 (very high credit risk) to 10 (very low credit risk). Finally, you will assign weights to each variable that reflect that variable s importance relative to the other variables in your score. The total percentages for all variables must equal 100% Sometimes variables may be missing from a customer s information. This screen gives you the option to either ignore the missing variable in the calculation by keeping the remaining variable weights unchanged. Or, you can choose to re-allocate the weights to available variables. Figure 7

11 3.4 Review and Save New Score This screen allows you to name, enable, review and save the score you have just created. To review the score, click the link to open a separate window and view the score name, re-allocation method, minimum score, maximum score, start to end range and point values and weights applied to each variable. To name the score, type a name in the Score Name text box. You should enter a name which will help you identify the score. Finally, you have the option to enable or disable each score. By default, the Yes option to enable the score is selected on the screen. When you are finished, click on save to save the score Figure 8

12 4. Define Credit Limits and Terms 4.1 Overview This section enables you to create Credit Limits and Terms to apply against your existing customer accounts in combination with Account Review Rules. These rules and credit limits and terms reflect your company s credit policy. Using review rules and recommending credit limits and terms is an automated, objective way to evaluate all customers using the same criteria. In addition, review rules allow you to evaluate different types of customers using criteria specific to their industry or business structure. Figure 9

13 4.2 View Credit Limits and Terms This screen allows you to create, edit and delete credit limits and terms from DNBi. The list displays all the credit limit and terms in the system and the date it was last modified. To view Account Review Rules which are using a specific Credit Limits and Terms item, click on the arrow next to the item and a list of all Rules using this item is displayed.. Click on Assign /Unassign to apply this Credit Limit and Terms criteria to an Account Review Rule. Select a rule and click add to assign this criteria to the rule. Click the View link to open a separate window containing information about the credit Limit and terms criteria. Click on the Edit link to open the Define Credit Limit and Terms Wizard and makes changes. Click on the Delete link to delete a rule. Figure 10

14 4.3 Edit Credit Limits and Terms This screen allows you to tailor your credit terms and credit limit depending not only on the rule s outcome, but also the conditions that triggered the rule. Specify the payment terms you want to recommend for this outcome. Then, specify any early payment discount you want to offer to the customer In this section, you can specify to not set a credit limit, enter a fixed credit limit, a percentage calculation, use an expression to calculate a limit, or use a credit limit methodology table. The percentage calculation method allows the credit limit to be calculated as a percentage of an account field value. The Credit limit table will set a limit based on simple table criteria using 2 variables.

15 Figure 11 To define an calculation to set the credit limit select the Create an Expression option and click on the Build Expression Button. Choose from a list of variables to include in your expression and choose mathematical operators to build your expression which will calculate the credit limit. Click Evaluate to test how this expression will work with your data.

16 To apply a credit limit method table, you must first define the table and then it will be listed here for you to select. Set up a new table method from the main Manage Credit Limits and Terms home page. To define your own credit limit using a simple table, select the variables to be used in the x and y axis of the table and their ranges or values. Next, enter credit limit values in each cell of the table or create an expression to derive the cell values and save the table. You can create several tables which you can use when setting up new decision rules. A list of credit limit tables you have created is displayed by clicking on the tab. This information is used to recommend credit terms and a credit limit to the analyst. The system does not automatically set the credit limit using this information unless you specify this option in your account review rule configuration.

17 5. Set Account Review Rules 5.1 Overview This section enables you to create rules to evaluate your existing customers creditworthiness. These rules reflect your company s credit policy. Using review rules is an automated, objective way to evaluate all customers using the same criteria. In addition, review rules allow you to evaluate different types of customers using criteria specific to their industry or business structure. This screen allows you to create, edit and delete review rules from DNBi. The list displays all the rules in the system and the date it was last modified. A check mark in the box means a score is enabled. Click the View link to open a separate window containing information about the conditions of the rule, and the processing instructions. Click on the Edit link to open the Create Rules Wizard and makes changes to a rule. Click on the Delete link to delete a rule. Figure 12

18 5.2 Create New Rule This screen allows you to develop review rules by identifying characteristics of your account portfolio that determine creditworthiness. First, select the type of rule that will be generated Then, you will define AND, OR, and OVERRIDE conditions to define the conditions that will generate the rule. Next, you will use Set Credit Terms to define rules for establishing credit terms. Finally, you will use Enter Processing Instructions to enter instructions to help guide your credit analysts. Figure 13

19 5.2.1 New or Edit rule To create a new rule, select Create Rule from Scratch. You can also create a new rule by cloning and modifying an existing rule using Copy an Existing Rule. Figure 14

20 5.2.2 Set Recommended Action This screen enables you to specify the result if the account meets the condition of the rule. Credit Hold Advised: Based on the conditions, the system recommends that the account be placed on credit hold. Credit Review Required: Based on the conditions, the systems recommends that the account be reviewed by an analyst for potential problems Collections Required: Based on the conditions, the systems recommends the account be reviewed for collection activity. Credit Increase Recommended: Based on the conditions, the system recommends that the credit limit be increased for this account. Figure 15

21 5.2.3 Define AND conditions This screen allows you to select AND conditions for your rule. These conditions are evaluated first in a rule. The list on the left side of the screen displays the available variables, organized in various categories such as All Business Variables, D&B, and Aging. Once you select a variable, it displays in the Selected Variables list on the right side of the screen. AND variables trigger the rule ONLY IF all conditions are met. Figure 16

22 5.2.4 Define OR conditions This screen allows you to select OR conditions for your rule. If all AND conditions have been met, the OR conditions are evaluated next. Once you select a variable, it displays in the Selected Variables list on the right side of the screen. OR variables trigger the rule if ANY conditions are met. Figure 17

23 5.2.5 Define OVERRIDE conditions This screen allows you to select OVERRIDE conditions for your rule. Once you select a variable, it displays in the Selected Variables list on the right side of the screen. Any OVERRIDE conditions that are met prevent the rule from being triggered, even if AND or OR conditions are met. Typical examples of override conditions include bankruptcy, judgments, or liens against the customer. Figure 18

24 5.2.6 Set Credit Terms This screen allows you apply one of the Credit Limits and Terms criteria you setup previously to this rule. The Credit Limits and Terms criteria you have saved will be listed in the drop-down list. This information is used to recommend credit terms and a credit limit to the analyst. The system does not automatically set the credit limit using this information. Figure 19

25 5.2.7 RuleSets Create New RuleSet is an option that allows you to specify which accounts your decision rules will be applied to. Once the RuleSet is created, there are two views to manage RuleSets. View Rules shows all the rules that have been created. Here you are able to assign rules to a RuleSet or remove rules from a RuleSet. View RuleSet shows all RuleSets that have been defined and the corresponding rules. Here again you can assign rules to a RuleSet or remove rule from a RuleSet.

26 5.2.8 Enter Processing Instructions This screen allows you to provide processing instructions. Depending on the rule triggered, instructions may be available to help the analyst process the account. Figure 20

27 5.2.9 Review and Save This screen allows you to review, name, enable and save the rule you have just created To review the rule, click the link to open a separate window to view the AND, OR and OVERRIDE conditions, credit terms, recommended credit limit and processing instructions Type a name in the Rule Name text box. By default, the new rule is enabled in the system. If you want to wait to enable the rule, mark the radio button next to No. When you are finished, click on Save to save the rule. Figure 21

28 5.3 Set Evaluation Order This option allows you to change the order in which the review rules are applied to accounts. Evaluate for Credit Holds First is the standard default evaluation order. This setting evaluates all the rules that result in a Credit Hold first. If a Credit Hold outcome is not generated, Collections Required will be evaluated next. Collections Required will be followed by the rules that result in Credit Review. Finally if a Credit Review outcome is not generated, the rules that result in Credit Increase will be evaluated. Evaluate for Credit Increase is the inverse of the previous option. This will evaluate Credit Increase first, Credit Review second, Collections Required third and lastly, credit hold. If Set Evaluation Order is selected, this will open a screen where you can select the exact order that the review rules are to be evaluated. Figure 22

29 6. Import Account Data 6.1 Overview DNBi allows you to import A/R and D&B batch files. You can choose to apply the rules and/or scores you defined to the data you import into DNBi. Figure 23

30 6.2 Viewing Import Log The log contains a list of importing activity. This is the status of the import run. Click to view the detailed status in a separate window The type of data imported. A/R or D&B batch The name of the file imported The mapping template applied to this import The user who performed the import The date that the file was uploaded Tells you whether rules have been applied on the imported data. The action you can perform on your file. If there is no link, there will be no action needed. If mapping is required on your file, there will be a link Figure 24

31 6.3 Upload File This screen allows you to select the file to import. Selecting a file uploads it from your computer and prepares it to be imported into the system. Using the radio buttons, select the type of file to be uploaded. Select whether to set all Accounts already in DNBi that are not included in this file upload tol be reset to an outstanding balance of zero ($0). (This feature accommodates Customers that only upload Active Accounts from their AR file.) Select whether you would like D&B to match any records in your file and portfolio of accounts which do not already have a DUNS Number associated to them. U.S. and Canadian records can be matched via this automated process within hours. Figure 25

32 6.4 Map the Fields This screen allows you to match the fields in the selected file with the fields in DNBi. You can first select the mapping template, using one that was saved from the previous upload. Next, you will need to select the character which separates (delimits) each record. Finally, you will need to specify if the first row of the file is a file header. The system will match fields with the same names, but you will have to manually match fields that the system cannot match. Clicking on the icon with the magnifying glass window will bring up a separate window with the fields in DNBi available for mapping. ONLY the fields that you have mapped will be imported. Figure 26

33 7. Review Accounts 7.1 Overview This section allows you to run account review rules after importing a file. This enables all accounts to be reviewed with the most current information giving you the most up-to-date credit review data. Figure 27

34 7.2 Review Log The log contains a list of when account review was last performed: This is the status of the account reviews. Click to view the detailed status in a separate window The date that the account review was run The user who ran the account review You can easily see the date of the most recent review and the file upload. Figure 28

35 7.3 Run Review This screen allows you to run a credit review. Once you click to Review Accounts, a short status message will display on the window. Figure 29

36 8. Clear Status This section allows you to set the status of any reviewed accounts to No Action Recommended The screen displays the number of accounts in each workflow queue next to its credit file type. Click on the credit file types that you want to set to No Action Recommended status. The system will prompt you to confirm your selection. Click Ok to continue or click Cancel to return to this screen. Figure 30

37 9. Documents 9.1 Overview The Document Generation feature offers a powerful tool to create and edit document templates. You can create your own or use one of the standard templates provided. DNBi also provides you with the ability to create Credit Review Summary Reports. Once a document is generated on a specific business, you can view the document, or print it From this page you can enable/disable, view, edit and create new templates for your workspace. Figure 31

38 9.2 Edit a Template You can edit the predefined document templates or create a new document. DNBi provides an easy to use Rich-text editor to help you in creating new document templates.. You can add text and also drag-and-drop specific data elements into a template. You also can add your logo or another image to the template. Click Save to store your template changes. Templates will be available to users in your workspace once you have enabled them from the Document template list page. Figure 32

39 10. Summary DNBi Account Manager Admin Tutorial Review: Define Your Account Fields: Allows for customization of field names: Change display names for pre-defined fields. Create custom fields for account, aging and financials Build Account Scores: Allows for objective assessment of credit risk: Built on variables defined by the user Scores are assigned point values, weighted and then added together to provide a quantitative measure of risk Define Credit Limits and Terms: Allows you to create credit limit and term conditions which can be applied across multiple Account Review Rules. Set limits as a percentage of a variable. Set a fixed limit Set limits based on an Expression Set limits based on a table value using the intersection of 2 variables. Set Account Review Rules: Allows for objective assessment of your existing customer s creditworthiness: Evaluate different types of customers using criteria specific to their industry or business structure. Define credit rules according to your company s credit policy. Create a RuleSet that allows you to specify which accounts your decision rules will be applied to. You can create a table to set suggested credit limits based on the combination of 2 variables. Import Account Data: Allows for Accounts Receivable or D&B data import into DNBi: Apply the rules and/or scores to the data imported into DNBi Review Accounts: Allows you to run account review rules after importing a file. Clear Account Statuses: Allows you to clear account statuses processed in a rule run back to the No Action Recommended status. Manage Document Templates: allows you to edit and create new document templates which can be generated from within DNBi accounts and ed or saved as a PDF. D&B Risk Management Solutions For more information about DNBi, please contact D&B at