Julie Bowels

managed Businesses since 1997
“My commitment is to assist Australian Businesses to trade securely, protecting their cashflow and their assets” Julie has successfully managed Businesses since 1997, with a solid finance background, Julie understands the importance of Best Business Credit Management practice. Julie’s last employed position was in 2010 as “International Manager” of a public Company, operating in Australia and New Zealand. Since then Julie has utilized her skills in assisting Businesses to prosper offering services such as Preparation of Information Memorandums for Capital Raising, Business Plans, Sales and Marketing Strategy, Key Negotiations, Recruitment, Training and most importantly Credit Management. Julie is also involved in Property Development and is Managing Director of a Private Island Resort in Vanuatu. Julie’s passion for achieving the best Financial outcome for Australian Businesses is paramount, and her knowledge on Cash flow and Asset Protection utilising the Personal Property Securities Act 2009 is her speciality.

Products & Services

At Australian Credit Risk Management, we value the importance of being a good corporate citizen, and as such, we constantly hold ourselves to the highest ethical standards both in the workplace and outside of it. Integrity and responsibility are two of the most important core values under which we operate. We believe in doing the right thing even if it may compromise our short-term profitability. We don’t waver from the truth or crater under pressure. We are willing to be sufficiently creative and flexible, but always operate under a high moral, ethical and legal standard.
ACRM is a national consulting firm that delivers deep expertise, objective insights, a tailored approach and unparalleled collaboration to help leaders confidently face the future.


Credit Risk:

Credit risk and its management is perhaps the most fundamental risk organisations face. Although this risk has existed for hundreds of years, the current environment has led to ever increasing pressure to ensure that credit risk management practices provide a frictionless customer experience, maximize efficiency, and ensure clear evidence of compliance with institutional credit standards and regulatory expectations. Outdated and insufficient credit risk management practices can lead to increasing credit losses, suboptimal customer experience, depressed margins, and regulatory scrutiny.

Our Credit Risk Management professionals help organisations maximize their returns by assessing, designing, and implementing efficient and effective credit risk operations. Our professionals leverage experience as former business managers, regulators, and risk managers to identify root causes, optimise operations, and improve practices. We offer a suite of credit risk management consulting and internal audit services that cover the entire credit life cycle ranging from risk appetite, terms of trade documentation, PPSR compliance, policies and procedures, ongoing monitoring, problem customer management, credit and loan review, regulatory requirements and ongoing monitoring and reporting.

Schedule An Appointment

Schedule an Appointment to see if we can help build a financial fortress Around Your Business:

Business Overview Consultation
30 minutes • Free
We offer a no obligation, free consultation with one of our Credit Management Specialists. This can be facilitated via phone, Skype or in person ( subject to location)

Asset Protection
1 hour 30 minutes • POA
Protect your Plant & Equipment utilizing strategic Business structures and the Personal Property Security Register. Simple, cost effective & efficient!

Terms & Conditions of Trade Consult
1 hour 30 minutes • POA
Custom written, Legally enforceable Terms and Conditions of Trade that place a financial fortress around your business. We ensure that your cash flow is protected from bankruptcy and bad debt.