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Apr 01 2014
Published by NACM Business Credit Services and ICEL 
E-News April 2014

In This Issue

- The Power of the Promissory Note
- Your Vote Counts
- Educational Extravaganza
- Congrats New Designation Holders
- Credit Confessions: What's a Trade Reference?
- Overruled!
- ICEL Recap: True Fiction
- Managing Your Technology
- Success or Failure 
- ICEL Spotlight: Duane Burnett, For-Shor Co.
- Congratulations - NACM National Scholarships

Looking Ahead

Apr 10 - ICEL/NACM present Legal Issues in Credit Management - two 1/2 day seminars with speaker: Wanda Borges, Esq.
More info

April 16 - FREE Training on NACM Services More info 

Apr 25 - Don't Stop Believing! NACM Spring Banquet & Stockholders Meetin
 More Info 

May 8 - ICEL Executive Appreciation Luncheon with Economist James Woods

Jun 8 - 11 NACM National Credit Congress & Expo
 in Orlando, Florida. More info 

Sep 19 - NACM Fall Outing and Golf Tournament  Dinner Prizes and Fun 

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



The Power of  the Promissory Note

by Tammi Russsell, CCE, KSL Broadcasting

One can hope that the Great Recession is finally behind us and we are on track for economic recovery. While in the midst of this recession, we found a greater need for help from a wide range of clients. Keeping in-line with my company's mission to "provide leadership that builds-up, connects, informs & celebrates Utah's communities & families," I needed to find a way to help these clients while maintaining a healthy accounts receivable. Read full article 

Your Vote Counts
NACM Board of Directors Election

NACM Members will again cast electronic votes in the Election of Board Directors this year. On April 1, 2014, the member of record for each NACM Member company will receive an email with an exclusive link to their electronic ballot. You may vote for three (3) of the following six candidates.

Nominees for the NACM Boards of Directors:
Erik Wright, CBF, Spectrum Engineers
Kelly Passey, Plastic Specialties, Inc.
Lynette Jensen, U S Foods
Shanna Smith, CCE, Easton Technical Products
Shane Inglesby, CCE, Geneva Rock Products, Inc.
Whitney Davidson, CBF, Sunroc Building Materials, Inc.

Elections will cease at 9:00 a.m.on April 25, 2014 and new directors will be announced at the Stockholders' Meeting to be held at Gardner Village later that same day. We hope you will join us for dinner, cash and prized and fun at Don't Stop Believing, the annual NACM spring banquet. More info  

Educational Extravaganza

by Jo Anne Mills, CCE, Deseret Book/LDS Living

NACM's 118th credit congress is taking place June 8-11, 2014, in Orlando Florida. When you attend Credit Congress, educational opportunities are around every corner.

Executive Exchange Sessions offer a great setting to discuss specific issues you may be facing and find out how others are dealing with similar situations. Not only will you have the benefit of hundreds of years of experience, you could be the one that has the answer to someone else's question. The Educational Sessions cover a wide variety of topics for your personal and professional growth. These sessions are designed to meet your needs whether you are brand new to credit, a seasoned veteran or somewhere in between. Read full article

New NACM Professional Designation Holders

Angie Monroe, CBF, Roofers Supply
Whitney Davidson, CBF, Sunroc Building Materials, Inc.
Amy Shelton, CBA, Burton Lumber & Hardware Co.
Sidnee George, CBA, Kilgore Companies
Rhonda Calwell, CBA, Komatsu
Carol Taylor, CBA, Roofers Supply
Ronda Tuttle, CBA, Sabol & Rice, Inc.

Credit Confessions

What's a Trade Reference

I'd been on the job for a few months, having fallen into a credit position after leaving my previous job in commercial real estate. Having attended NACM Credit Boot Camp and having registered for my first accreditation class, I was feeling pretty confident about the "shift" in careers and was ready to get down to business!

A gentleman came into my office and asked if he could get a credit application.
Read full article 

ICEL Chair Message


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

Most likely, we've all been asked by upper management to sell to a customer we normally wouldn't approve. Hopefully, these types of situations don't happen often. But when they do, they can be frustrating and irritating.

Sometimes we may be tempted to pout when our decisions are overruled, or we may secretly hope for the opportunity to say, "I told you so!" Although occasionally tempting, such reactions aren't going to help us or the company gain success. Instead, we need to figure out how to work as a team with upper management to ensure positive outcomes in difficult situations. Read full article  

ICEL Meeting Recap:
True Fiction

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

Mike Ramsdell, author of "A Train to Potevka," spoke at the March ICEL meeting. Mr. Ramsdell shared his story of how a small-town boy ended up as a undercover agent in cold war Russia.

He spoke about a life-changing experience as a boy in Bear River, Utah, where all young men were expected to play on the local high school football team. As a freshman, weighing less than 100 pounds, he quickly realized that he was not making a contribution to the team. He summoned the courage he needed to meet with his coach to let him know that he wanted to quit the team.

The coach discouraged Mike from making this decision. He asked Mike, "If you quit now, how many other times in life will you decide to quit?" He then went on to tell him that his life could be anything he wanted it to be; that he could be somebody that could make a contribution in life. Three years later Mike was a 128 pound quarterback that led his team to a championship.  Read full article 

Managing Your Technology

by Ellen Reddick reprinted with permission 

For some reason, we have changed our work patterns to believe that instant communication is the most important and highest priority for focusing our time. It is as though we have all become customer service representatives whose sole job is to respond to instant communication.

Many information age workers treat their daily routines as though the best way to accomplish their goals is to process information quickly. This of course is simply busy work. 

Sampling has shown that less than 20% of all email volume is actually actionable. 80% is noise. Texting has shown to be 85% noise.

Setting aside the obvious problem of being busy but not effective. Read full article 

Success or Failure

by Whitney Davidson, CBF, Sunroc Building Materials 

Success or failure depends on team work between credit and sales. Most of us in the credit world know the struggles we face each day to have a good working relationship/partnership with our sales team. What we would like is for it to be great, not just good (or so-so.)

Each department has a story of its own. We usually do not take the time to understand what are the challenges of each department. Without seeking to understand, you have started building that proverbial wall between credit and sales. Read full article   

ICEL Spotlight

Duane Burnett, For-Shor Company 
by Ryan Palmer, CBF, LKL Associates

Duane grew up in New York and in high school he earned the New York State Regent's Scholarship. After high school he attended the University of Utah where he graduated Magna Cum Laude. After earning his BA, he attended law school at the U, earning his J.D.

Duane is married to his wife Jamie and they have six children and nineteen and 1/2 grandchildren. Read full article 


NACM Credit Congress Scholarships Awarded 

Jo Anne Mills, CCE, Deseret Book and Shane Inglesby, CCE, Geneva Rock Products, Inc. each received an NACM National Scholarship Foundation scholarship for registration to the 2014 Credit Congress & Expo.

We wish them the best as they continue to pursue their educational goals.