How to View a Customer’s Real-Time Credit Exposure in NetSuite

📌 Monitoring a customer’s credit exposure in real time is critical to managing financial risk and ensuring that accounts receivable stay within safe thresholds. Oracle NetSuite provides built-in tools through customer records and receivables reports to help you evaluate open credit, credit limits, and payment behavior.

Here’s a step-by-step guide to track customer credit exposure in NetSuite.

Steps to Track Customer Credit Risk with Confidence

Step 1: Check Customer Credit Limits and Status

• Navigate to Customer Records
  Go to Lists > Relationships > Customers

• Select the relevant customer and click “Edit”
  
  
• Go to the “Financial” subtab
  
  
  1. Credit Limit: View the maximum credit assigned to the customer
     
     
  2. Hold: Check if the customer is currently on credit hold due to overdue payments or exceeding their limit
     

Step 2: Review Reports for Credit and Payment Activity

• Access AR Monitoring Tools

Go to Reports > Customer/Receivables > A/R Dashboard. This dashboard offers a real-time overview of outstanding balances, credit usage, and customer-specific. receivables insights

• Check Payment History Trends
  Go to Reports > Customer/Receivables > A/R Payment History by Payment and analyze past payments and identify customers with erratic or delayed payment behavior.
  
  
• Run Customer Statement or Aging Reports
  Go to Reports > Customer/Receivables > Customer Statements. Review total outstanding balances across aging buckets to evaluate exposure duration.

Step 3: Monitor Credit Risk in Real Time

• Enable Alerts for Credit Holds or Overages
  Configure Saved Searches or Workflows to notify your finance team when customers approach or exceed their credit limits. Go to Customization > Workflow > Workflows, or Lists > Saved Searches > All Saved Searches > New

• Use Payment Behavior to Detect Risk
  Analyze late payments using the A/R Aging Summary report to surface potential risks
  
  
• Set Criteria for Credit Holds
  Create rules that automatically trigger a credit hold based on overdue amount or DSO
  

Pro tip: While NetSuite provides visibility, integrating Growfin takes your credit monitoring to the next level. Growfin connects to NetSuite, pulls in real-time receivables data, and proactively flags at-risk accounts based on dynamic payment behavior, so your team can prevent credit issues before they escalate.