I started working with Karl Storz Endoscopy in 1991 and was a temporary in the credit department as a cash applications clerk. Later, I was hired as a full time employee in general accounting. After 7 years in general accounting, I decided to move back to the Credit department. While doing collections, I went to college and completed my bachelors degree in accounting in 2002. After all these years, I finally decided to pursue my certification in the Credit Industry. Thanks to professors Paul Beretz and Gyan Maharaj who shared their knowledge in class and in seminars respectively. I am looking forward to completing my certification in CBF and than CBE in the future. Many thanks to everyone at the CMA and all the correspondence they provided.