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Feb 01 2018
E-News February 2018

In This Issue
- Georgette Bevan, CCE Takes the Helm of NACM Intermountain
- Nominees for the NACM BCS Board of Directors
- Generations
- ICEL Chair: Business Credit Fraud
- Audit Yourself!
- Western Region Credit Conference is a Must!
- ICEL Recap: Time Management

Looking Ahead

Feb 8 -
Credit Card Surcharges
Click here for details

Feb 13 - CFDD Phoenix 
Credit Card Surcharges
Click here for details

Feb 28 -  NACM Credit Boot Camp Click here for details

Save the Date

June 10-13, 2018 
Credit Congress
Early-Bird Registration Ends
February 16, 2018

Oct 10-12, 2018 
Western Region Credit Conference in Salt Lake City

Credit Reporting Connections

The Power of People and Technology...

You told us that trade payment data is the most valuable information on a credit report.

You told us that you wanted "Days Beyond Terms" displayed on a credit report.

You told us that you need data from small and medium sized entities NOT typically reported.

NACM listened and you will find ALL of this on the National Trade Credit Report (NTCR.) Through advances in technology and data sharing among 40 different NACM locations, NACM Affiliates bring all of your reported data together in one report.

If you are not among the many that are already using the NTCR, call for more information.

Why should I refer potential members to NACM?

To help gain information on your customers! All member information builds the NTCR database on your customers. Click here for details  


Georgette Bevan, CCE Takes the Helm of NACM Intermountain

by Shane Inglesby, CCE, Geneva Rock Products, Inc.

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  Read full article

NACM Board Election Candidates 

Each year, members of the NACM Board of Directors retire and new board members are elected to replace them Read full article
The candidates for this year's open board positions are (in alphabetical order): 

  • Shanna Diaz, CCE, Easton Technical Products
  • Stephanie Johnson, Gritton & Associates Inc
  • Kelley Kunz, CCE, Henriksen Butler Design
  • Kelly Passey, Plastic Specialties
  • Whitney Davidson, CBF, CCRA, Sunroc Building Materials

  • Generations
    by Kandie Haymore, CBF, Midwest Floor Coverings

    Through the years, each generation has been given a nickname. I am in Generation X and according to Wikipedia, we were born somewhere between the early to mid-1960's and early 1980's. We grew up watching Sesame Street, Mr. Rogers, and Saturday Morning Cartoons. Our cribs were covered in lead based paint and car seats were not yet invented. We rode our bikes, roller-skated, or played outside and our curfew was when it got dark. The porch light coming on meant get home pronto. Video games were Pac-Man and Tetris and if you had an Atari Gaming Device you were pretty neat.

    Teenagers hung out at ball parks, skating rinks, and cruised Main or State Street to find what everyone else was up to. Telephones were mounted on walls and had rotary or push buttons to dial. MTV actually played music-videos Read full article

    ICEL Chair: Business Credit Fraud
    By DeAnna Leahy, CCE, Sunroc Corporation

    Business credit fraud is on the rise, and consists of dishonest and illegal activities executed by individuals or companies to provide a beneficial financial outcome to those individuals or companies. A report from the Federal Trade Commission shows that the top three types of fraud complaints are corporate identity theft, debt collection schemes, and impostor scams. Together these types of fraud account for more than one-third of all reported incidents of fraud. Business Identity theft alone currently costs companies $50 billion dollars a year in the United States.

    Unfortunately, companies of all sizes can become victims of fraud. Whatever the size company, there are some warning signs of fraud that need your attention Read full article

    Audit Yourself!
    by Jason Fowles, Nate Wade Subaru

    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. The question then becomes what happens to the credit application after the customer has been granted open terms and orders and services are rendered. At a lot of companies, all supporting documents and the credit application go into a folder with the customer name and information on it and is filed into a cabinet in the credit managers office, in some cases never to see the light of day again. This is where the need for written credit policy and procedures is a must Read full article

    Western Region Credit Conference is a MUST!
    By Rhonda Calwell, CCE, NACM BCS

    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 Read full article

    ICEL Recap: Time Management
    By Barbara Mackay, Intermountain Concrete Specialties

    Climb that mountain, me? I can't seem to be able to find the time to get the laundry and dishes done or the house cleaned. But after listening to Mark Jones, Geneva Rock Products, tell us about goal setting and time management, maybe I can. Plan your path, figure how much time you want and need, to allow for all the things you want to accomplish.

    Set goals, both short and long term for what you want to achi
    eve, whether its work related or on a personal basis, set a timetable and stay focused. Find a balance in your life. Are you utilizing your time to do what you want and what you need to do without getting overwhelmed?   Do you set aside some down time or time to just concentrate on one specific task Read full article