age-delinquency

name	age-delinquency
description	Age delinquency into buckets and weight collections by collectability, not the total. Reach for this on a delinquency or cash question.

Skill: Age delinquency

A delinquency total without aging hides the cash that is realistically collectable (§3 #2).

Step 1 — Bucket the balance

0-30 / 31-60 / 60+ aging of outstanding balances.

Step 2 — Weight by collectability

A dollar in 60+ is worth far less than a dollar in 0-30 (§3 #2).

Step 3 — Focus collections by aging

Direct effort along the aging curve, not the total.

Step 4 — Tie to NOI and bad-debt

Carry the realistic write-down into the EGI bridge (§3 #4).

Output

An aged delinquency read weighting cash by collectability with the collections focus named.