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The Chameleon in the Room: 
Embrace Business Risk - Assure Survival & Growth

The Chameleon in the Room is available in Paperback and eBook/Kindle versions; use the links below to purchase your copy.  It is unusual as it provides tools specifically designed to manage risks that are often ignored by executives; the same risks that have surprised and fatally wounded many giant enterprises, and countless SMEs.  It particularly addresses the concerns and responsibilities of Executive Directors, Non-Executive Directors, ‘C-Suite’ Executives, SME Executives and Start-up Entrepreneurs.  
ISBN-13: 978-0957627949
Click here to look inside the book and read an extract from chapter three.
Paperback and pdf versions are available from eStoreT3P
Author: Ron Wells

Paperback version is available from CreateSpace eStore
Paperback and Kindle versions are available from,, and,,, and  Kindle versions are available from,,, and  Also available from several European online bookshops.

Recommended to everyone who wants to deal with business risks successfully!
By Andriy Sichka on November 26, 2015 Format: Paperback
I always had a feeling that knowledge of the theory is only one part.  Another, much more difficult one is finding a way to apply it in practice.  Reading The Chameleon in the Room resolved majority of my doubts concerned with risk management.   Written by a practitioner for practitioners the book shines the light on the areas left by theories in dark, and gives clear guidance for everyday practice.  I recommend this book to everyone who wants to deal with business risks successfully!
Book Review of Credit Risk Management - The Novel in The Asset Magazine
In the March 2015 edition of The Asset the Assistant Editor, Christoph Kober, reviews Credit Risk Management – The Novel (Part One).  Here is a brief extract:  “In The Novel, Wells presents technical concepts in a manner that is enlightening to anyone interested in how oil majors and traders fuel the world economy.  In the sometimes covert world of commodities, the book reveals how large oil majors can do business even with nefarious traders and national oil companies with erratic payment patterns.   Practical advice wrapped in lively accounts of how large commodity deals are brokered make the book a helpful guide not only to credit professionals but treasurers and financial directors as well. "  To read the whole Book Review click here  

Review of Credit Risk Management - The Novel (Part One) on website:  August 23, 2014:  Great reference (book) for commodity traders, easy and good fun to read

This book is great for those risk professionals, who have hands-on responsibilities in commodity trading and that have realized that academic books are well short of the real day-to-day work.
Ron shares his hands-on experience managing credit risk in commodity trading by explaining in great detail the pros and cons of risk mitigation instruments such as stand-by and documentary letters of credit, single credit risk insurance, payment undertakings, bank guarantees and promissory notes.
He illustrates his explanations with the daily life of a credit and collateral management team in an oil trading company, mirroring those decisions and actions that require solutions from those who, like the author, have experienced and solved real credit, defaults and near default incidents.  
In addition, the adventures of a credit risk and undercover secret agent walks the reader through the historical events that have shaped the world in the last decades.
Good fun; I will get the print edition to keep on my desk for reference.

Review of Global Credit Management an Executive Summary on website:  
April 27, 2014:Good book, easy to read and very useful.

The book is a very good addition to my current study in credit management and I would recommend it to any credit manager or professional who wants to become credit manager. The book is written in a nice way and the subjects are short, but concise, which makes it easy for a study.  

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Resources (BWcr)

is the vehicle through which 
and Associates provide counterparty risk management support and resources to businesses operating globally.

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BarrettWells Credit Resources (BWcr) Specialises in aiding Credit Executives to develop creative solutions and confidently underwrite transactions thereby nourishing and sustaining there own and their Counterparties' businesses.



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Paperback Version
ISBN: 978-0-9576279-2-5


eBook version

To buy a Pdf or ePUB copy click:  ISBN: 978-0-9576279-0-1
More details and Suppliers (including Amazon Kindle) click:


Credit Risk Management - The Novel 
(Part One)

The printed version of Credit Risk Management – The Novel (Part One) is now available from eStoreT3P, and 11 country specific Amazon websites.  It can also be purchased through the CreateSpace eStore.

This paperback version is available worldwide in other retail book stores; place your order with your favourite bookstore today.  The ISBN 13 (International Standard Book Number) is 978-0-9576279-2-5.

One person who read the eBook version commented; “I did read your novel and enjoyed it.  It made me smile a lot!”  

"It's a great idea to dramatise a subject like credit risk.
I hope this becomes a trendsetter..." (Reader Comment)


Ron Wells is also the author of Global Credit Management an Executive Summary about which one reader commented:

"Hello Mr Wells; I have just finished reading your book and I loved it!  I will be looking at credit in a positive light from now on.  Thanks for writing such a great book. 
Best regards, A O" 

An Eminent Professor of Credit Management Recommends 
‘Credit Risk Management – The Novel’

The Professor of Credit Management and MSc Finance, Programme Leader at a prestigious UK University, and Programme Leader for the Singapore Accounting Academy (SAA-GE), has read and now recommends ‘Credit Risk Management – The Novel’.   To advise her decision she wrote as follows:  “I have recommended your book to a few libraries and added it to my ‘other’ recommended reading list.”

Credit Management Magazine has Reviewed
'Credit Risk Management – The Novel (Part One)'

“This is the first narrative non-fiction novel to feature the true to life experiences of a team of professionals managing business-to-business credit risk, day-to-day.  This is a ‘difficult to put down’ book, not one to gather dust on your shelf, or occasionally use for reference.  There are a number of case studies that might pass you by, but will probably become relevant and applicable at some stage of your career. Hard to imagine though it may be this is a credit management book featuring action.  There are real life questions for the credit team to deal with.  The team solves day-today problems in practical ways and discusses general issues as they add value constructively.   There are interesting twists and turns, characters are developed, fascinating places are visited, and little known facts emerge.  James and his colleague Jenny manage the credit risk for a global enterprise, and at the same time share their experience and knowledge to fellow team members and the reader.  Great fun”

Credit Management Magazine is the journal of the
The Recognised Standard in Credit Management
December 2014
To read page 10 of the December issue, click here
© Chartered Institute of Credit Management  


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Last Updated:  January 24, 2016 14:22:14 -0000