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Jul 01 2018
An Educational What If?

I stumbled into credit management as a fluke. Truly. It is hard to believe that when I was a kid I didn't dream of being a credit manager when I grew up. I wanted to be a lawyer, actually, but then I learned how much schooling was involved. 10 years ago, when my boss asked me to transfer into the position of Director of Accounting, I had very little knowledge of how the accounting department functioned. I knew nothing about collections or credit management.
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Jul 01 2018
A Little Quiz About Money . . . .

Our founding fathers valued life, liberty and the pursuit of happiness. They also thought about the processes our Republic would need to obtain and keep the values our county has now and currently represents. Every day we as credit professionals work in a field valued by our founding fathers - Credit. In the Revolutionary War our Colonies borrowed money
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Jul 01 2018
Fast, Service-Oriented Follow-up Critical When Handling Deductions

Deductions, also known as "short payments," typically happen when a customer has quality problems, returns goods, experiences discount problems, billing errors or encounters other issues, according to Charles Gahala, Ph.D., CCE, CICP, author of Credit Management, Principles and Practices.
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Jun 01 2018
8 Tips for Networking Like a Pro

Admittedly, I've never felt very comfortable networking. It can feel awkward, daunting and forced. But networking is a great way to achieve a myriad of goals. It can help provide new ideas and insights. It can lead to new customers, mentors and friends. It's a great way to find potential job opportunities. It can result in increased job performance as you learn from others and their experiences. And networking can help build confidence as you leave your comfort zone and form new relationships. Looking ahead to this year's NACM
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Jun 01 2018
Reasons to Attend a Professional Conference

You might have heard the news - Western Region area has hosted this conference and we are quite excited. If you have not already registered and taken advantage of some early registration savings, I thought I would give you a few reasons you should attend. This conference draws credit professionals from many states: Arizona, California, Colorado, Idaho, Montana, Oregon, Utah and Wyoming. If you live along the Wasatch Front, Southern Idaho Credit Conference is in Salt Lake City this October.
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Jun 01 2018
Quality Education in Credit Management is a Must

Credit management is so much more than credit limits and collections! For some individuals it is a chosen profession, for others they have kind of just fallen into it. Let's face it, even if someone fell into credit, it has been a choice to stay. I personally fell into credit and would not change one moment about it. I have a fantastic network of credit and career minded individuals that I have served on committees and the local NACM board with, they are my peers and I would consider some of them very good friends.
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May 01 2018
Want Better Cash Flow? Listen to your Credit Team.

I ran across an article in CFO Magazine written by Eric Dowdell, titled Want Better Cash Flow? Listen to your Credit Team. Eric states that no CFO worth his or her salt would pursue a "sales at all costs" strategy. So, why are so many corporate balance sheets littered with predictably late-paying accounts? The sales-hungry climate built by these pressures is a double-edge sword. The good news is that many companies are starting to book more sales. The not-so-good news? Comparatively few companies are collecting efficiently on those sales.
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May 01 2018
Challenge to Change Your Thinking

Several years ago, after attending a class, I decided to change my thinking/my mindset about interruptions. Instead of thinking of the calls and emails from customers, finance companies and salesman as interruptions, I changed my thoughts and count them as part of my job - they became much less frustrating. Changing my thinking did not stop the inflow of emails, calls, requests and desk visits (what many call interruptions) but freed my mind from thinking I was not doing my job. These were in fact a vital part of my job and handling them quickly and efficiently was achieving both my goals and my employer's goals
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May 01 2018
Is Social Media Influencing Your Interactions?

How are your interpersonal skills as you meet others face-to-face? Are you engaging? Do you develop a rapport with the other individual? Do you show a genuine interest in the person you are conversing with? Social media has become the new frontier for making connections and staying in touch with what is going on in the world. Social media outlets allow for users' experiences to be customized to share and receive information from specific individuals, businesses and organizations. Once connections are made, depending upon the source, volumes of useful information can be shared.
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Apr 01 2018
Leadership Development

In the book The Leadership Challenge, the authors, Kouzes and Posner present the idea that leadership development is self-development. They write: "Wanting to lead and believing that you can lead are the departure points on the path to leadership. Leadership is an art - a performing art - and the instrument is the self." They go on to say that exemplary leaders tend to adhere to the following best practices. Leaders:
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Apr 01 2018
Creditor-Customer Collaboration Crucial in Small Business Cash Flow Management

Starting and maintaining a small business is no easy feat. Roughly half of all start-ups fail within the first five years with only one-third of them surpassing a decade, according to 2017 data released by the U.S. Small Business Administration's Office of Advocacy. Once the doors open, the mindset of owners and operators may shift to sales and marketing, leaving cash flow management on the back-burner.
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Apr 01 2018
What is Best for the Customer is ALWAYS what is best for your Company!

Is our customer's best interest always aligned with our company's best interest? In a mutually beneficial business relationship serving your customer well will almost always yield outstanding results for your company. But what happens when the credit department is asked to ship on open terms to a customer who doesn't qualify under the credit policy for anything better than prepay terms? What happens when a customer is increasing orders at a high rate while slowing payments to vendors?
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Mar 01 2018
Strengthening the Credit and Sales Partnership

To me, the credit department and sales department have always seemed to have a love-hate relationship. I have seen the conflict that can arise between the two departments. Both departments have different jobs, functions, agendas and goals. People understand what their responsibilities and job duties are and are protective of it. This is where the conflict comes in. The sales department is willing to do whatever it takes to make the sale, all while the credit department is doing everything that it can do to protect the company from credit issues. Both departments are necessary to a company, but they do not always agree on what needs to be done.
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Mar 01 2018
Don't Sweat the Small Stuff (and it's all Small Stuff) Book Review

I have been reading the book, Don't Sweat the Small Stuff, (and it's all Small Stuff), by Richard Carson. We are reading this book as a credit department team, and I have found some extremely helpful information for both my personal and professional life contained in the pages. I have enjoyed it so much, that I have essentially read the book twice and have purchased it as an audiobook as well. In a nutshell, you have to learn to put your little struggles into perspective, and by doing so, you gain more enjoyment and appreciation of other people and life in general. The book is set up by giving the reader 100 strategies to avoid struggles. These strategies are elaborated in short essays, which makes the book an easy read.
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Mar 01 2018
Spring into Change

As spring begins and I see all of the new growth stretching, peeking up through the ground and the trees budding, I reflect on my own life and growth. I think about how plants gain strength through sun, water and food. We are the same. In order to grow, we need to continue learning and experiencing new things. Spring is a good time to assess our strengths and weaknesses in credit. It's also a good time to think about the areas in which we need improvement to help us better manage our company's accounts.
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Feb 01 2018
Western Region Credit Conference is a MUST!

Education is such a vital part of our industry. My background was in bookkeeping. I moved to Utah and took a job in credit with the assumption that all I had to do was post payments and call for past due payments. Little did I know the complexity involved in the world of credit; an unknown planet that requires you to navigate through many loop holes and pitfalls. I once had a conversation with a young man who was asking what is involved with buying a home. Although I am not a loan officer I do know the basics of credit. He told me that he did not have a "regular job" but made a lot of money off the books. He wanted to purchase a home and had $50,000 in cash to put towards the home and wanted to get financing for the balance.
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Feb 01 2018
Audit Yourself

We learned in Principles of Business Credit that business to business credit has been a part of the U.S. business scene for hundreds of years. With business credit playing such a huge part within the business scene and the understanding that doing business on credit terms has a much higher rate of risk and cost of doing business, you must protect yourselves by having a company credit policy and procedures in place. The cornerstone of your credit accounts is the credit application. Within the credit application you must have clear and concise terms. This then becomes your legally binding contract. .
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Feb 01 2018
Georgette Bevan, CCE Takes the Helm of NACM Intermountain

A new chapter in NACM Business Credit Services history takes effect February 1, 2018 as Georgette Bevan, CCE will become president of our affiliate. Georgette succeeds Dean Wangsgard who served as our associations president for eleven years. Georgette brings a wealth of experience with her in her new position. She worked for many years in credit management prior to coming on board with NACM sixteen years ago in 2001. Her professional career started as a paralegal in a law office. She looks back fondly on that experience as it exposed her to the law and provided a foundation she would draw upon in her next job. In her next assignment, she quickly learned the credit manager she worked with was not following-up on returned checks. She took on the responsibility and the rest, as they say, is history. She was hooked on credit and collections.
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Jan 01 2018
Procrastination

We all have things we dread doing, things we put off until the last minute and then rush to get done. This article for instance, I've known about it for at least 4 months, what I've wanted to write has been in my head for two weeks, yet I have waited until the last minute to put it together. There are always those customers we know we need to call, reports to complete, or talks we need to have but for whatever reason we put them off until we get the courage up, the time, or the right moment to finally take hold of and do. When I researched why people procrastinate I found some very good reasons why and how to overcome this habit we can easily fall into.
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Jan 01 2018
It's a New Year - Make an Investment in Your Future

Education is the most powerful investment you can make for your future and it can make a lasting difference in your life. Furthering your education is the best investment you can make for yourself. The investment strategy involves a commitment to continuing education and the payoff begins with the receipt of an NACM designation. Holding a designation can open the door to employment opportunities that otherwise might not have been possible to obtain. An NACM designation looks great on a resume, which could potentially translate into a higher salary potential. Obtaining a designation is a sign of commitment, a vested interest in self-improvement, and the willingness to take your education and abilities to new heights.
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