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Aug 01 2013
Published by NACM Business Credit Services and ICEL
E-News August 2013

In This Issue
- Making Those Tough Decisions
- Cooperation and Fairness When Dealing with Debtors
- The Power of Attitude
- ICEL Recap: Test Your Credit Knowledge
- Zero Fatalities
- ICEL Spotlight: Joanne Martin, CCE, LKL Associates

Looking Ahead

Aug 7 - Credit Boot Camp More info

Aug 8 - ICEL - In The Trenches. Tales from the credit & collection battlefield from seasoned credit veterans. More Information & Registration

Aug 21 - Fall Semester Begins View class schedule

Sep 9 - Professional Designation Paperwork Deadline for the Nov 4 exam

Sep 12 - ICEL Dawn Meehan, Survivor Contestant.

SAVE THE DATE! September 20, for the NACM Annual Fall Outing at the Eaglewood Golf Course in North Salt Lake

Oct 16-18 - Western Region Credit Conference More information

Why should I submit potential members to NACM?"

Help gain information on your customers. As a member, their information could help build the database on your customers. It's not just a one-way street. more Info



Making Those Tough Decisions

by Doug Darrington, CCE, Kilgore Companies

Where Do I Fit In?

One of the most important things I have learned about being an effective manager over the years is how critical it is to get the right person in the right job.

Years ago I was asked to head a new AR department with a rather large staff. The company was merging several locations into one central location. I was hired at the same time that my staff was hired. The two hiring managers had no accounting, finance or credit background. We all essentially showed up on the same day. It was an interesting situation. I knew nothing about the company, its products, its culture, or the people I was to manage. Read full article

ICEL Chair Message

Cooperation and Fairness When Dealing with Debtors

by Melissa Mickelsen, CBF, Geneva Rock Products, Inc.

The NACM Canons of Business Credit Ethics state that "Cooperation, fairness and honesty must dominate in all insolvent debtor proceedings." Further, the Canons state that "Creditors must render all possible assistance to honest debtors who become insolvent."

As credit professionals, do we ever struggle with this pledge? Do we occasionally want debtors to pay, and not just in the monetary sense, for the problems they have caused? Are we guilty of holding a grudge or harboring anger? Or are we guilty of reluctance when it comes to cooperating with honest debtors who have found themselves in trouble? Read full article

The Power of Attitude

by Mary Jane McIntosh, CBA, Henderson Wheel & Warehouse Supply

One of the classes I attended at Credit Congress addressed this very topic. Do you realize that your self-esteem-meter goes up and down daily? If you connect with people it goes up. If you compare yourself to others, it goes down. When we compare ourselves to others, it is usually in these three areas:

  • Appearance (looks)
  • Status (wealth)
  • Performance

The power of attitude, or how you think, predicts your success. There are no recorded statistics that IQ or straight A's led to a successful person. But, attitude has certainly led many to be successful.

Your attitude shapes your mood. It affects how you feel. Read full article

NACM Education

Fall Semester begins August 21, 2013

How do you negotiate a negotiable instrument?

What information can you legally share when proving a credit reference?

What steps do you need to take to protect your company's interest when a customer files for Bankruptcy?

These and many other questions will be answered in the credit education coming to a classroom near you.

Contact Georgette Bevan, CCE for more information. (801)433-6116 or GBevan@nacmint.com


ICEL Recap:

Test Your Credit Knowledge

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

Many would disagree with the possibility of putting the words "fun", "games" and "credit" in the same sentence. But, leave it to ICEL to find a way to not only defy reason, but to prove that its members can make games and have fun with the credit profession.

ICEL members continued their annual tradition of celebrating summer at the July meeting by enjoying a diversion where credit topics and knowledge were put to the test in the format of the game show Jeopardy. Melissa Mickelsen, ICEL Committee Chair, presided over the festivities and had the "challenge" of reigning in its competitors. Competition was rather fierce as six teams completed for the victor's crown. Only two hundred points separated the first from the third place teams. Read full article

NACM Fall Outing

"A few years ago I attended the NACM Summer Outing. I was actually convinced by a few friends and fellow members to try my hand at golf. I had not made an attempt at this game since I was in high school, many years ago! I made sure everyone that I was grouped with understood this was not my game. What a fun time I had! Golf is a challenge, especially for someone who knows nothing about what they are attempting to do. Concentrating on your swing, keeping an eye on the ball, wow! Don't let this be the reason you don't attend this year's outing. Go, golf, have fun, be a part of a challenge, you'll be glad you did."

- Barbara Mackay, Intermountain Concrete Specialties

More information and registration

Zero Fatalities

by Mark Jones, Geneva Rock Products, Inc.

Have you ever attended a seminar that left an impact on you? Well, the state of Utah provides such a seminar, called "ZERO FATALITIES."

I attended this seminar a few weeks ago, and it has opened my eyes to things I never considered before. Most of us know one of the greatest causes of accidents can be attributed to distraction. These could be drowsiness, texting or cell phone use, alcohol, drugs, and just not focusing on your driving. It only takes a second of not paying attention and life could be over.

The main thing that caused me to pay attention was seat belts. I always have my seat belt on when I drive, but I was not aware of the damage someone else in the car can do if. . . . Read full article

ICEL Spotlight

Joanne Martin, CCE, LKL Associates

by Ryan Palmer, ProBuild

Joanne started in credit just like most of us. Unplanned.

She began in A/R with Kraft Foodservice and was promoted to credit manager. After working in food for 6 years, she joined the ranks of the construction industry. For a combined 15 years she worked at Bartile Roofs, ABC Supply, and BMC West. She is now working for LKL Associates which sells drywall and stucco products to subcontractors.

There is never a dull moment in her work and she welcomes challenges and opportunities to solve problems.

When Joanne entered the credit world, she knew nothing about credit. She was introduced to NACM and what the education program offered. She took classes at SLCC and attended all the NACM seminars she could. NACM and ICEL have helped her succeed for over 30 years in credit. Read full article