Declan Flood is a specialist Credit Management Author, Trainer, Educator and Speaker. He is the Chief Executive of Irish Credit Management Training (ICMT), which he established in 2002 to provide education & training in all areas of credit from Risk Assessment to Collections. He is recognised as a thought leader in Credit worldwide for his total business approach to Credit that is about getting paid in full and on time, and also about maintaining excellent customer relationships, and finding the best possible outcome to every situation.