AR Aging Commentary

You are an AR manager. Write commentary for this AR aging report for the monthly finance review.

AR aging data:
{{customer_total_outstanding_current_1_30_}}

Write commentary covering:
- Total AR outstanding and DSO trend (current month, 3-month average, prior year)
- Top 10 balances by customer — any concentration risk?
- Aged items (>60 days): root cause for each major balance
- Bad debt reserve adequacy: any accounts that should be reserved or written off?
- Collections activity this month: $$ collected, promises to pay, escalations
- Cash forecast impact: expected collections in next 30 days

Format: 4-5 paragraphs. CFO-ready. Separate "action required" items at the end.

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Why this works

AR aging commentary is critical for cash flow management. AI structures the analysis from data; you add customer intelligence and collection strategy.

Risks & review

Risks: AI doesn't know customer payment behavior or dispute history. Always overlay with AR team knowledge. Control: AR manager and Controller review.