5 Golden Rules for Credit Management with Simon Howell-Tarmac, Jade Owen-Perry, Luke Sculthorpe-CICM and Jonathan Ward-National Timber Group

Register for our newsletter for regular updates of events and webinars. https://www.top-service.co.uk/contact-us/ (newsletter link at bottom of page) In this final installment of the "At the Coalface" series, Emma Reilly (Top Service CEO) and an expert panel wrap up their industry review with essential advice for every credit manager. We distill 47 years of combined experience into "5 Words to Live By"—bite-sized mantras to help you navigate risk and commercial pressure. Plus, Emma tackles the most frequently asked question in fraud prevention: "I've identified a fraudster... now who do I tell?" In this episode, you will discover: The Golden Rules: Simon Howell (Tarmac):  "Manage risk and stay commercial." Luke Sculthorpe (CICM):  "Prevent crisis, embed credit earlier." Jonathan Ward (National Timber Group):  "Know your customer, no substitutes." Jade Owen (Perry):  "Wrong decision for right reasons." Fraud Reporting Strategy:  Why sharing intelligence on platforms like Top Service and industry forums is the only way to stop serial fraudsters in their tracks. Market Summary:  A final recap on the state of the market—why insolvency values are dropping even if numbers are high, and why "credit searches" have spiked as teams monitor their supply chains more closely. Whether you are new to the industry or a veteran credit controller, this episode provides the strategic mindset and practical steps needed to protect your business in a volatile market. Featured Guests: Philip King  (Moderator) Simon Howell  (Tarmac) Jonathan Ward  (National Timber Group) Jade Owen  (Perry) Luke Sculthorpe  (CICM) Keywords: Credit Management Advice, Construction Fraud, Risk Management, CICM, Top Service, Commercial Credit, Insolvency Trends, Supply Chain Monitoring. Subscribe to Minimise Debt, Maximise Cash for your monthly construction credit update. To enquire about Top Service services for your Business, go to https://www.top-service.co.uk/contact-us/ Music by Purple PlanetRead transcript