5. Ethical Dilemma
The chapter includes the following ethical dilemma.
ETHICAL DILEMMA
“We must get it,” Courtney Lowell, president of Industrial Fasteners, roared. “Without it,
we’re in big trouble.” The “it” Mr. Lowell referred to is the renewal of a $14 million loan with
Community First Bank. The big trouble he fears is the lack of funds necessary to repay the
existing debt and few, if any, prospects for raising the funds elsewhere.
Mr. Lowell had just hung up the phone after a conversation with a bank vice-president in
which it was made clear that this year’s statement of cash flows must look better than last
year’s. Mr. Lowell knows that improvements are not on course to happen. In fact, cash flow
projections were dismal.
Later that day, Tim Cratchet, assistant controller, was summoned to Mr. Lowell’s office.
“Cratchet,” Lowell barked, “I’ve looked at our accounts receivable. I think we can generate
quite a bit of cash by selling or factoring most of those receivables. I know it will cost us more
than if we collect them ourselves, but it sure will make our cash flow picture look better.”
Is there an ethical question facing Cratchet?
You may wish to discuss this in class. If so, discussion should include these elements.
Step 1—The Facts:
Industrial Fasteners needs the renewal of a $14 million loan with Community First Bank.
Prospects for currently repaying the debt are poor. The bank has required an improved statement
of cash flows in order to obtain the loan renewal. Mr. Lowell, president of the company, suggests
that Tim Cratchet, assistant controller, factor the accounts receivable to improve the cash flow
position. Factoring accounts receivable will result in finance charges, but will increase cash
inflow. Mr. Lowell has not stated that he would use the increased cash flow to repay the loan. He
only wants to improve the statement of cash flows required by the bank for renewal.
Step 2—The Ethical Issue and the Stakeholders:
The ethical issue or dilemma is whether the assistant controller’s obligation to the president
and the company is greater than an obligation to appropriately advise the president in making a
sound financial decision and an obligation to the bank to fairly present the operating cash
position of the company.
Stakeholders include Cratchet, the assistant controller, the president, other top management,
employees, the bank and other creditors, the factor, and current and future investors.
Step 3—Values:
Values include competence, honesty, integrity, objectivity, loyalty to the company, and
responsibility to financial statements users’ right to know.