Welcoming Two New Members in Vegas

Join CMA in welcoming two new members from Las Vegas in the construction industry:

Aberdeen Electrical Technologies – they sell and install fire, safety, and surveillance systems. Aberdeen was referred by Judy Henderson from the Construction Notebook.

Pacific Stucco, Inc. – they do lath and plastering work. Pacific Stucco was referred by Anne Mustagh from Coyote Building Materials.

Thanks for joining our diverse membership!

CFFS Survey Winners

CMA’s Construction Forms Filing Service (CFFS) recently conducted a short survey. We asked those who have used CFFS through anscers.com to answer several questions about what they liked and disliked about CFFS on anscers.com.

Three survey respondents were chosen, at random, to win a $25 Target GiftCard. The winners are:

Adam Housekeeper, Dahl Taos div of Hajoca
Carrie Burns, Sign Designs, Inc.
Anita Lucero, Hydro Conduit Corp.

Thanks to everyone who answered the survey, we appreciate your service usage and survey response.

If you would like to see the survey results please click here.

For more information about our CFFS service contact Amber Jackson at 702-259-2622.

CMA New Member – Brand Flowers


From their website:

Our Carpinteria facility has over 1 million square feet of greenhouses, shade houses and over 80 acres of open field, quality-controlled production. Brand Flowers continues to be a pioneer in producing new, exciting and innovative products for our valued customers. We are committed to providing excellent service, beautiful premium cut flowers, creative and marketable bouquet concepts, exciting seasonal floral creations and attractive year-round pricing promotions.

CMA New Member – Valin Corp.


From their website:

Valin Corporation is the West’s leading distributor of fluid handling, measurement, process heating and control products for a wide range of industrial and process applications

Since 1974, Valin has grown to serve the needs of a broad customer base within a wide range of industries: semiconductor/microelectronics, petroleum refining, power generation, chemical processing, measurement and analytical systems, industrial machinery, water and wastewater, scientific research, aerospace, pharmaceutical, biotechnology, food and beverage.

Today, Valin is a total solutions supplier, offering products, services, and engineering support. Our commitment is to understand and exceed the expectations of our valued customers, while delivering high quality product, services, and solutions to their most demanding requirements.

Valin was referred to CMA by Carmela Franklin at UNUS Medical Tech

CMA New Member – Outsource Telecom


From their website:

Outsource Telecom is the only staffing company in America dedicated exclusively to staffing the wiring industry. We offer temporary telecommunications installers, cable technicians, structured cabling installers, electricians, security system installers, network cable installers, voice and data installers, engineers and other telecommunications personnel services.

Our staffing focus on the Telecommunications, Electrical, Structured Cabling, Security, CCTV, Access Control and Fire Alarm industries allows us to find and retain the best pre-screened staffing talent to help you complete your wiring projects on time and under budget.

Move forward but don’t forget the past


Terry D. Harries, CMA Chairman of the Board 2007 – 2008

I recently began my term as Chairman of the Board of CMA Business Credit Services. The first order of business was to plan and participate in the annual “Think Tank Conference” This use to be called the Board Retreat.  The purpose of this event is for the Board of Directors of CMA, along with members of the senior staff of CMA to get together and plan / talk / discuss / think about strategic “STUFF” connected with the CMA association.  Most of the tools and programs and information available to you today through CMA Business Credit Services, has, in the past, come out of this annual meeting of the minds.   

The attempt is to keep the association moving forward and keeping up with the changing times and technologies.  I am so proud of the efforts and accomplishments of the past participants and leaders of this organization, I can’t even begin to tell you.  All you have to do is look on anscers.com to see what I am talking about.  But, it goes beyond that.  The way that the staff of CMA has stepped up, over the last several years, to do what they can to make this organization the best it can be.  Not to mention the Educational Program that has given us the new webinars and courses available to all.  In addition you have the Encyclopedia of Credit and the Community Bulletin Board to get whatever information you might need.  It is no wonder CMA is recognized throughout the NACM organization as a trail blazer and leader in the Credit Industry, and I for one am proud to be a part of it.

This year at the Think Tank the major discussion seemed to surround the INDUSTRY CREDIT GROUPS.  This is an area that has been losing membership, not just at CMA, but, in other associations and organizations that have similar programs.  One of the reasons for this decline was thought to be, that maybe we have done such a good job of developing new technology that gives us real time information, that we no longer need to have the groups, as we have known them in the past, to get valuable information.  But, are we really considering the value of having that face to face meeting with other credit personnel from other companies?  How many times have we all gone to an ICG meeting and have heard some information about a common account that came out of a simple discussion at the meeting, that we wouldn’t have received on a written report.  How much money has been saved because we remembered some information that eventually kept us from sending out that order that we probably wouldn’t have been paid on.  Or to a company that we heard was maybe moving or going out of business or wasn’t making payroll.  Not to mention the value that you get just from networking with experienced Credit Managers and others in the Credit world.  How about the trust, and friendships, that have developed over the years.  There is also the educational value at meetings that have seen fit to implement that into their programs.

I know personally that there is a large representation of our membership that recognizes the value of the I.C.G.’s and the fact that many of us joined the organization just for that value.  Let me appeal to those of you who do not want to risk losing this valuable program.  We can save it and we can improve on it and it has to come from the members.  We need to continuously stress and inform those around us of the importance of attending these group meetings and contributing information and mentoring our less experienced members as to how to pass that importance on to those around us.  I would like to put out a challenge to all the Chairmen and Vice Chairs and to the Group Secretaries to find just one additional member that should be attending your group meeting.  Then find out from your specific group members what additional value they would like to receive from these meetings and try to fulfill that need.  I feel if we can’t accomplish strengthening this program, we could find our organization changing in a way that would be different than what we have found so enjoyable in the past years.

Whatever happens, I assure you we will continue to move forward and stay a leader in the industry, but let’s try to remember the past and what got us to dance and bring it along with us.

I’m looking forward to a great year and I hope you will all join me towards that goal.

Two New Members from Nevada

Please welcome two new members to our member roster in Nevada:

LV Technologies, LLC of Las Vegas. LV provides fire alarm installation, service and maintenance. They were referred to CMA by Jerry Hancock or Electrend.

Palazzo Development, Inc. of Henderson. Palazzo is a custom home builder referred to CMA by Tina Garman of Garman Builders.

CMA New Member – AISI


From their website:

American International Supply, Inc. offers a world of experience in the supply of plumbing and water works systems and components. We have been delivering competitive pricing and superior service since 1982.

Whether supplying a fire protection system in Azerbaijan, a complete package of sanitaryware for a hospital in Manila or commercial plumbing materials for a hotel in San Francisco, AISI’s various divisions share the same core values:

• On time delivery in accordance with project requirements

• Timely and responsive communication

AISI was referred to CMA by Kim Jones at D&D Supply. Thanks Kim your $25 Target GiftCard is on the way!

CMA New Member – Dane Elec Memory


From their website:

DANE-ELEC MEMORY is one of the largest manufacturers in the world of memory modules and boards for computers, telecommunications and digital appliances. Acknowledged as one of the European leader in quality memory products, DANE-ELEC MEMORY designs, assembles and distributes 80% of its products through its own distribution network in Germany, Belgium, England, Holland, France, Denmark and the U.S.A. Recently Dane-Elec has opened a new subsidiary in Taiwan.

CMA New Member – Hutchens Industries


From their website:

Hutchens Industries, Inc., is a leading manufacturer of trailer suspensions, sub-frames and a wide variety of steel fabrications and castings. The company was established in 1950 by its founder, C. Ted Hutchens. It was an outgrowth of Mr. Hutchens’ prior experience as a manufacturer of Cargo Tanks for trucks and trailers. Hutchens operated at a number of Springfield sites and, in 1962, launched its first major expansion by opening its ‘Marshfield Steel’ plant in nearby Marshfield, Missouri. The company grew rapidly and, in 1969, built an additional manufacturing facility in Mansfield, Missouri. In 1974, a steel foundry operating in Springfield as Grand Foundries, Inc., was relocated to Mansfield where it became the Mans-Steel Foundry Division. In 1978, a steel processing plant was erected in Seymour, Missouri. Strategically located between Marshfield and Mansfield, its mission was to supply steel to both plants. While continuing and expanding its role as ‘steel processor’ for the entire company, Seymour grew to become the center for suspension component manufacture and finished product distribution, as well. The growth of Seymour resulted in the closing of the Marshfield operations in the late ’80s.

The past three years have certainly been rather trying and difficult times for the heavy-duty trucking industry, as well as the overall US economy – but rather than get caught in the negative aspects of this downturn, Hutchens drove through with steady focus and determination. The company invested in additional manufacturing capabilities through improved tooling, concentrated design techniques, expanded capacity, and production efficiencies. By targeting quality management programs, Hutchens was able to upgrade its certification to ISO 9000-2000. The company also initiated the steps towards implementing an ERP system and launching the program with Navision, a Microsoft subsidiary.

Hutchens remains a closely held, family owned concern. Jeffrey C. Hutchens is its president and CEO succeeding his father, Lewis G. Hutchens who died in 1985. Lewis Hutchens had likewise succeeded his father, the company’s founder, C. Ted Hutchens upon his death in 1968. The company’s products are shipped worldwide. Its customers include most of the trailer manufacturers, large and small, throughout North America, several other suspension builders and a broad range of firms using fabricated and cast steel products.

Three New Members in Northern California

Join CMA in welcoming three new members from Northern California:

  • NuWest Milling in Hughson, CA – a grain milling operation, providing animal feed. Referred to CMA by Diane Williamson of Nulaid Foods.
  • Folsom Ready Mix – Anderson, LLC in Rancho Cordova, CA – a concrete supplier. Referred to CMA by Sherry Raposo from Folsom Ready Mix.
  • Roseville Aggregates in Rancho Cordova, CA – a concrete supplier.

CMA New Member – Storm Manufacturing


From their website:

Storm Manufacturing Group is a leading supplier of highly engineered products sold into a variety of applications including irrigation, water drilling, compressed air, and many other industries.
The firm is distinguished by a longstanding reputation for high quality products, technical expertise, and exceptional service to its customer base, resulting from many years of experience in its markets.
Storm Manufacturing Group was created in 2003 through the consolidation of three highly regarded manufacturing companies:

  • Buckner, a designer/manufacturer/supplier of irrigation and industrial products to markets including golf courses, municipal parks, sports fields, agriculture, and the traditional turf/irrigation markets.
  • Kingston, a designer/manufacturer/supplier of hydraulic and air valves serving many industries including compressed air, floor cleaning, automotive, medical/dental and food service.
  • Superior , a manufacturer and pioneer of quality valves and controls in the sprinkler automation industry.

The resulting company, with its consolidated management and sales force,
secures significant economies of scale and enables high quality service at lower
cost to the customer.

CMA New Member – Anchen Pharmaceuticals


From their website:

Anchen Pharmaceuticals, Inc. is a specialty pharmaceutical company focused on the development and commercialization of extended release (ER) generic products; primarily for patients in the United States.

Anchen takes prides in its creativity and speed in filing Abbreviated New Drug Applications (ANDAs) containing so-called "Paragraph IV" certifications, which seek FDA approval to market generic drugs that avoid patents covering branded products. Creativity and speed have become key components of Anchen’s corporate culture.

Anchen’s goal is to become a fully-integrated drug development, production, and sales company, where employees enjoy their work and have opportunities to make meaningful contributions to the company’s success. In addition to the financial rewards of being a part of Anchen’s success, employees take satisfaction in knowing they have helped deliver more affordable drugs to consumers.

CMA New Member – Engineering Remediation Resources Group


From their website:

ERRG is a firm that provides a broad scope of engineering and remediation services. Our team consists of 112 full-time employees, including environmental, civil and geotechnical engineers, geologists, soil physicists, scientists, construction managers, construction superintendents, equipment operators, certified hazardous waste technicians, field laborers, and administrative personnel.

ERRG’s broad base of environmental, geotechnical, and construction backgrounds enables ERRG to provide the full spectrum of turnkey remediation services to our public and private sector clients.

ERRG was incorporated in 1997 and currently has offices in Concord, San Francisco, San Diego, Los Angeles, California, and Seattle, Washington.

We are certified as a participant in the U.S. Small Business Administration’s (SBA) 8(a) BD program, and recognized as a Small Disadvantaged Business (SDB) in the federal government’s SDB program.

The company is led and managed by seasoned professionals with years of experience in the consulting and construction businesses. ERRG provides a wide array of engineering services ranging from initial site investigations and characterizations through design and construction. Working in multidisciplinary teams, ERRG’s staff routinely designs, implements, and manages site investigation programs involving project planning and development, subcontractor coordination, budget tracking, regulatory agency interaction, and technical report preparation.

CMA New Member – Eversoft Water Inc.


From their website:

Design – Planning – Implementation – Service

Four words that mechanical engineers, architects, and contractors look for in their subcontractors and equipment suppliers. Four words Eversoft Products, Inc. was founded on.

Established more than 40 years ago, Eversoft used this philosophy to become the world class water conditioning company it is today. From start to finish, Eversoft has provided a full range of services to all construction and design related fields.

Innovative designs and equipment has catapulted Eversoft into a leadership posistion in creating industrial, commercial, and institutional water conditioning systems. Salt efficient, metered equipment and single unit multi-feed filtration equipment are just a few of the reasons most operations look to Eversoft for their design, planning, and equipment needs.

Service, however, more than anything else, is the foundation upon which Eversoft was built. You can count on it at any time and any place from our technicians in the field to our operations personnel at corporate headquarters. Eversoft’s staff is trained to be there when you need them. Design
and planning can be acomplished within a few short days on virtually any
project, implmentation and shipping can occur within a few short weeks
of any order. Follow up with the users continues long after the final contractor has pulled off the job. We’re with you every step of the way, because . . .

“With Eversoft, service is the difference.”

CMA New Member – CaseStack


From their website:

CaseStack provides logistics outsourcing services to mid-sized consumer packaged goods companies that sell products to retailers, distributors and other manufacturers. CaseStack combines an advanced transportation and warehousing system with proprietary, web-based software to provide end-to-end fulfillment services that enable customers to reap the benefits and economies of a sophisticated, global logistics system without all the infrastructure costs.

Based in Los Angeles, CaseStack was co-founded in August of 1999 by Dan Sanker, a former Procter and Gamble executive who saw a need to help mid-sized businesses overcome complex logistics obstacles. Bringing together a management team with more than 70 combined years of logistics, technology, and CPG expertise at companies such as Procter and Gamble, Dole Food Company, Consolidated Freightways, FedEx and Roadway Express, he turned the company into an internationally recognized logistics outsourcing provider servicing the CPG market. The company has been recognized by leading organizations and publications, including Inbound Logistics, Supply & Demand Chain Executive, Global Logistics & Supply Chain Strategies, Food Logistics, Dun & Bradstreet, Inc., Ernst & Young, TMCA, and Entrepreneur.

Furniture Liquidation at CMA’s Burbank Offices – Beautiful Pieces


Starting May 21 and ending June 21, 2007, CMA’s Auction & Liquidations division will be liquidating absolutely beautiful furniture pieces from one of our member companies.

Armoires, TV cabinets, bedroom furniture and mattresses are all for sale at outstanding prices. There are entire bedroom sets that are just stunning.

Here’s how it works:

You can view the furniture by appointment only, contact Vicky Murawske to make an appointment 818-972-5352.

The furniture is sold on a first come first served basis, cash and carry – so bring a truck to carry your goodies.

Click through to the CMA Auctions website for more info, an inventory list, and pictures.

Special Note: If your company has excess inventory, or inventory from past seasons like our member – that you want to turn into cash, CMA Auctions & Liquidations can help. Contact Jimmy LaRicca, Auction Manager at 818-972-5353.

NACM New Orleans post Katrina/Rita

Mike Mitchell and I (this is Dina by the way) have just arrived in New Orleans. For the next two days we will be talking with NACM members in New Orleans and the affiliate staff. The NACM Affiliates have decided that the story of how NACM New Orleans and their members are recovering from our greatest natural disaster, is one we want to share at this years Credit Congress.

If you plan on attending this years Credit Congress make sure to visit the NACM booth to watch the NACM New Orleans story unfold.

CMA Las Vegas Annual Meeting – Pictures


A special thanks to our gracious speaker, Punam Mathur, Senior Vice President of Corporate Diversity & Community Affairs for The MGM Mirage.

Click here to view the pictures.

Special Thanks to our Sponsors, Bank of North Las Vegas, Ahern Rentals, Blaine Equipment, Fasco, Fresh Point of LV, Ideal Supply, Sigler Wholesale, Steel Engineers, Wanderer Law Firm and Winroc Corp.

Congratulations to CMA’s Las Vegas Credit Executive of the year Joanne Roberts of Neff Rentals.

19 New Members in Las Vegas April 2007


What a great month for the Las Vegas membership. 19 new CMA members, many from member referrals from the great CMA members in Vegas.

Here are three of the 19 that came in at month-end.

  • Kallen Electric – Las Vegas, NV. Electrical contractor referred by Bryan Norman at Crescent Electric Supply.
  • Dr. Drywall & Paint Too, LLC. – Las Vegas, NV. Drywall and paint repair company referred by Debbie Henderson at Norpac Construction, LLC.
  • Great Basin Ready Mix, Inc. – Sparks, NV. Seller of concrete ready mix.

Congratulations to the Las Vegas staff and membership for such an awesome month!

Two New Vegas Members


The Las Vegas membership has increased by two. Join CMA in welcoming:

  • New Vision Electric – Las Vegas, NV – An electrical contractor in Las Vegas.
  • Century Electric – Las Vegas, NV – An electrical contractor focusing on residential and commercial projects.

Thanks for joining CMA!

CMA New Member – Consolidated Fabricators Corp.


From their website:

In 2004, Consolidated Fabricators celebrated its 30th year of manufacturing steel products.  The product line began with refuse containers and over the years has expanded to include recycling, hazardous waste, material handling, and storage containers.  Emphasis is placed on supplying quality products, competitive prices, and dependable service.  Consolidated is geared to do large volume production and can meet market demands in a timely manner, resulting in an industry wide reputation for reliable, on time service.

The reason Consolidated is able to provide these  services are many.  At the top of the list is our complete steel processing facilities. The "Centennial Steel" division has locations in South Bend and Gary, Indiana and Los Angeles, California which comprise 300,000 sq. ft. under roof.  Additionally, Consolidated also has their own tool and die shops, delivery trucks, and in 1990, Consolidated began manufacturing their own "Ultra plastic lids".  These factors give us the ability to control our own production schedules, and keep our commitments.

Today the container division has manufacturing facilities in the Los Angeles area (Vernon, Sun Valley, and Van Nuys), Sacramento area (Galt) and Tijuana, Mexico. These locations serve all of California, and the West Coast.  Many of our products are available in sub assembled or knockdown form to facilitate out of state and overseas shipments.

In 1986, the "Building Products" division was purchased.  This division produces light gauge framing products including  metal studs and joists for the construction industry.  Located in Paramount, California this 7 acre facility with 60,000 sq. ft. under roof, services building material dealers throughout California, Nevada and Arizona.

All our divisions have a loyal following of customers who depend on our quality and on time deliveries.  Customer service is our highest priority! And our quality speaks for itself…. our steel products keep on performing year after year, even with heavy use! 

CMA New Member – PDM Steel


From their website:

PDM entered the steel service center industry in California with its 1954 acquisition of the Proctor-James Steel Company in San Jose. In 1955 Kyle and Company, with facilities at Fresno, Stockton and Sacramento was added. With four service centers, PDM was able to provide outstanding service throughout central and northern California.

In 1962, new facilities were constructed at Fresno, California giving improved service to customers in the central California area. Recognizing the great potential for its products and services, the Company established a fifth service center in the Reno/Sparks area of Nevada in 1963. In 1968, the new service center facilities at Fresno and Sacramento and the existing facilities at Santa Clara and Sparks were greatly augmented by the completion of the semi-automated center at Stockton.

The latest in material handling fixtures and equipment were used in the Stockton facility. Steel is stacked 24′ in the air on specially constructed racks. Stacker Cranes are used to handle the material in the racks. The Stacker Cranes move the material from the order storage areas to delivery trucks.

To provide the greatest possible service and selection for our customers, the "Common Inventory Concept" was established. This gave all customers access to the total company inventory at all locations.

Under the Common Inventory Concept, Stockton is the geographical hub of the Service Wheel with spokes running north to Sacramento, east to Reno and Spanish Fork, south to Fresno, and west to Santa Clara. The "Interplant Transfer System" moves this Common Inventory from one location to another, allowing short lead-time delivery of most items regardless of the inventory source. The efficiency and success of this system has proven to be an important benefit to our customers.

A new service center was established in Spanish Fork, Utah, south of Salt Lake City, in 1977.

As customer demands for "pre-production processing" grew, new processing equipment was installed at all facilities. Shears, automatic saws, and shape burning equipment that can virtually burn in steel anything that can be drawn in two dimensions, are available at each center. Plasma cutting equipment allows shapes to be cut in material which is too thin to be cut with conventional flame cutting equipment. Computer aided design and CNC have made possible the burning of shapes too large to fit on paper and too complex to be easily laid out on a drafting table, while at the same time allowing for the efficient "nesting" of burned parts for reduced scrap loss.   

At the end of January 1997, PDM purchased a majority interest in General Steel of Vancouver, Washington. General Steel was a full line, carbon steel service center serving the Portland and Seattle marketing areas. In April, 1999 PDM/General Steel moved into a large, modern facility in Woodland, Washington. With increased inventories, well laid-out processing facilities, and state of the art material handling equipment, PDM Woodland is able to serve larger areas of Oregon and Washington and has begun to serve some areas of South-Western Canada and Southern Alaska.

In February 2003 PDM established a new service center in Las Vegas, Nevada.

Alexis Scott receives CBF Accreditation


"After college I joined Dun & Bradstreet as a senior Credit Analyst, where I received training in Credit & Collections as well as Financial Analysis. 

I have worked as a Credit Manager ever since. Thus far my career has covered four industries; office furniture sales, adhesive manufacturing, air separation and Plumbing.

I joined NACM with my first Credit Manager position and I believe the classes, seminars and conferences have much to do with my personal success. I have just obtained my CBF and hope to soon acquire the credentials necessary to sit for my CCE.

Since 1994 I have been the District Credit Manager for HAJOCA Corporation, one of the largest plumbing & heating distributors in the US. My area includes eleven locations in Northern California through Washington State."

Alexis Scott
District Credit Manager

Michelle DeBay receives CBA Accreditation


"I never intended at the age of 20 to have a career in credit. Fast forward 17 years and I am sure like many credit folks feel fortunate that life took me down this path. Applying the fundamentals of credit management within the construction industry has provided me with many rewarding experiences such as helping young businesses grow and many funny stories like how many different ways someone can explain why they can’t pay their bill!  In the past 5 years I have recognized a shift in credit responsibilities which I felt the NACM Designation Program would now more than ever help support. I am proud to a member of this organization and grateful for the support I received in my pursuit of this award."

Michelle DeBay, CBA
Director of Credit
ORCO Construction Supply

Carrie M. Payne receives CBF Accreditation


"I have been working for EXAR Corporation for a little over
nine years as the Senior Accounts Receivable Clerk. I have been doing
collection work for about 10 years, and have been working on credit related
information for the last 9 years requesting trade information on potential
customers. I also am in charge of keeping the customers files up-to-date,
collecting payment, and billing the customer. "

Carrie Payne
Accounts Receivable Department
EXAR Corporation

Webinars will now be Recorded

CMA is pleased to announce that we will now be recording our webinars.  That’s right!!!  No longer will you be disappointed when you can’t attend a particular program!  Even better, if you do attend, you’ll be able to re-listen to the event over the next 60 days!  That means training for all your staff!  Half the staff can attend the live lecture and the other half can listen to it memorex style!  We’re really excited about this new delivery mechanism.

Nuts & Bolts of Mechanics Liens Seminar


Nuts & Bolts of Mechanics Liens, Bonds, Stop Notices and Claims in California
Presented by: Gyan Maharaj, CCE

Download seminar_mechanics_fax.pdf

Seminar Outline:

  • What is a mechanics lien and how to file a pre-lien
  • Difference between private and public works
  • Completing and submitting the 4 different lien release forms
  • The stop notice remedy
  • Payment bonds and Miller Act bonds
  • Intent to lien remedies

This is going to be a hands on session where you will learn to:

  • Complete and file preliminary forms
  • Complete and file lien release forms
  • Complete and file intent to lien and bond forms

Friday, May 11, 2007
9:00 a.m. – 4:00 p.m. (PST)
(Continental breakfast 8:30—9:00 am)

Holiday Inn
(Burbank Media Center)
150 E. Angeleno
Burbank, CA

Friday, May 18, 2007
9:00 a.m. – 4:00 p.m. (PST)
(Continental breakfast 8:30—9:00 am)

The Firehouse Restaurant
1112 Second Street
Old Sacramento, CA 95814

Continental breakfast and a boxed lunch will be provided.

CMA Member $199 per person
Non Member $299 per person

CMA New Member – Traffic Control Service Inc.


From their website:

Traffic Control Service, Inc. was founded in 1970. From our
humble beginnings in Anaheim, California we have grown to a full service company
with 8 offices serving all of California and Nevada.
Our focus on the customer, and making our suppliers an integral
part of our team has led to TCS being considered the leading supplier of traffic
control and safety products in California and Nevada. A look at the quality and
variety of products and services we provide will show you why we have attained
the goal of being number one. Our large inventory and strategically located
offices assure your needs are met on time, every time. Our staff of trained
professionals appreciates the opportunity to serve you.

You can count on us for experienced and highly trained crews and personnel. Our staff includes instructors qualified by the American Traffic Safety Services Association. TCS temporary traffic control equipment meets or exceeds specifications of Caltrans, NDOT and the MUTCD! Our prices are competitive and our reliable service is the finest in the industry.

TCS is a licensed C31 Traffic Control Contractor. California license number 786790.

CMA New Member – D.M. Figley Co. Inc.


From their website:

For more than three decades, the name of D.M. Figley Company has been synonymous with quality products for the construction professional.

Our philosophy is to supply the finest waterproofing materials available in our industry and have these items in stock when you need them. Our goal: supply the right product for the right job.

Our company’s product mix covers a broad scope of sealant, waterproofing, epoxies, protective coatings and repair systems for a wide variety of construction and industrial applications.

In today’s demanding marketplace, count on us to keep you up to date with accurate product information and selections.

CMA New Member – Premium Financial Services


From their website:

Located in Santa Monica, California, Premium Financial Services has earned its reputation as a highly respected commercial finance organization. A recognized leader in accounts receivable funding, PFS supports clients with the capital they need to remain competitive in today’s marketplace.

Since 1993, this family-owned and operated lender has assisted a wide range of small businesses and entrepreneurs improve their cash flow, increase their profits and enhance business stability.

Throughout the years, developing collaborative client relationships has always been, and continues to be, a key success factor. This highly personalized approach enables PFS to provide both the near-term and long range solutions that enable business owners maximum freedom, flexibility and opportunity.

Win Dodgers Tickets – Refer a Member

Your Seats Are Waiting!

Win 4 tickets and a parking pass to a Dodger home game in April or May.

How the Dodger Ticket Raffle will work:

Each referral you send to CMA will count as one raffle entry, and you can refer as many companies as you wish. Each Monday we will draw a winner from the entries, and notify them by phone. Your referral will remain in the raffle until it is either picked for a game or the raffle ends at the end of May 2007.

Click here to download the flyer and referral form.

CMA 2007 Credit Executive of the Year Award


CMA yearly searches for a worthy recipient
A worthy recipient of a special, unique award
Competence and excellence must dwell in the participant
And experience if possessed moves the nominee onward

To be a nominee is an honor and a privilege
But to be a winner is a real humbling experience
Yes, to be a nominee allows your peers to see your edge
And as a winner you rejoice, for behold! Your audience

Thus, CMA Credit Executive of the Year Award
Is given this year to a willing, eager recipient
To a credit professional whose actions move him forward
To a founder of GAIN to a great token travel agent

So have you guessed?  Yes, have you guessed who is the winner?  Have you?
It is my honor, then, to present it to Kevan Dragoo

Where is he today?  Not in Montebello but on a cruise
Celebrating 20 years of marriage, a fancy, a muse
Kevan Dragoo Credit Executive of the Year: Congrats!
The world of credit and CMA keep looking for the SMARTS

So, my dear friends, embrace this award and promote it with zeal
Reach out!  Recognize! Reward!  Kind acts that touch a dear colleague
Search for the worthy, for the willing, eager, active do seek
And thus a worthy recipient will be honored next year

(Note: The picture is of Eddy Sumar, last years Credit Executive of the Year and this years presenter. This picture was not taken by Harvey Branman 😉 – it was taken by Dina)

Three New CMA Members


CMA would like to recognize three new members.

  • SDL Management Company, LLC – Santa Ana, CA. They lease and manage shopping center properties.
  • Canyon Machinery, LLC – Las Vegas. NV. Canyon is a JCB and Mustang construction equipment dealership. Canyon was referred to CMA by Lee Hayran at APCO Equipment Co.
  • DCI Construction – Las Vegas, NV. DCI is a General Contractor focusing on building construction in the Vegas area.

Welcome to our membership!

3 Credit Congress Scholarship Winners


A committee of past recipients of the Credit Executive of the Year award held
a meeting to review CEEF scholarship applications to this year’s NACM
Credit Congress being held June 10-13, 2007 in Las Vegas, NV at the Bally’s
hotel.  We are pleased to share with you the three winners who have been awarded a $2,000
scholarship to attend the Credit Congress.

  • Susan Sullivan, Roland Corporation
  • Gloria Renteria, Roland Corporation
  • Anna Domingo, Calply

Congratulations! We are sure you will find the NACM Credit Congress a valuable and
rewarding experience.

Thanks to everyone who applied for the scholarship.

CMA New Member – BMC West


From their website:

Since 1987, BMC West has worked to earn the trust of homebuilders. How? By
strengthening our product and service offerings in our existing markets, while
expanding geographically to meet the needs of our customers.

Our success
is a testament to the dedication of our high caliber employees. BMC West has a
culture of initiative that attracts the industry’s best and brightest. Our
management consists of experienced, talented leaders working to provide tailored
customer service. With thousands of employees, BMC West has grown to become a
leading supplier to homebuilders.

BMC West provides a total constructon
package with highly reliable service to the homebuilder. We offer a product mix
of materials, doors and millwork, assembled components and integrated
construction services with a menu of capabilities designed to save time and
reduce risk for the builder.

BMC West is a wholly owned subsidiary of Building Materials Holding Corporation
(NYSE: BLG) based in San Francisco, California. For more information on the
entire BMC West family, click here.

Increasing Profits on Canadian Sales – Webinar


Is your company
currently selling goods into Canada – or thinking about selling into
Canada? If so, this Webinar will expose the “hidden” profit opportunity
lying in your Accounts Receivable if you understand and properly manage
Canadian Commodity Taxes.

If your company is actively seeking
opportunities to reduce costs and add those savings back to its bottom
line this is a program you should not miss. Most companies overlook
significant hidden profits tucked away in Accounts Receivable.

how by effectively handling price adjustments, rebates, promotional
allowances, bad debts, and short payments you can take advantage of
Commodity Tax savings to add to your company’s bottom line.

Your Presenter, Barry Korchmar a Canadian Commodity Tax and Trade Consultant, will provide specific analytic techniques to help you
understand how to analyze customer accounts. The process covered is
useful for both Canadian and domestic activities.
Specific topics covered include:
• An overview of Canadian Commodity Tax
• How A/R adjustments can result in tax savings
• Canadian Tax rates and structure
• The impact of sales price and bundled pricing on tax liability
• Case study examples Who should attend?
This will offer the newcomer and seasoned credit and finance
professionals an opportunity to increase their understanding of
Canadian Commodity taxes.

Anyone should attend who is interested in
preventing profits from being inadvertently squandered due to poor
management of Canadian tax.

Click here to learn more and Register.

CMA Annual Meeting is Wednesday April 18, 2007


Celebrate CMA’s Best Moments – Click here to download the Registration Form.

On April 18, 2007 join CMA for our Annual Meeting where we honor our outgoing Board of Directors, and celebrate the incoming Board of Directors.

Special Educational Session
In recognition of our members, CMA is offering a Special Educational Session before the Annual Meeting; Celebration, Credit and Sales in Perfect Harmony. The session is included in the cost of CMA’s Annual Meeting.

Celebration: Credit and Sales in Perfect Harmony
Speaker: Eddy A. Sumar, MBA, CCE, CICE

How would you like to change the image of the credit department at your company? In Eddy’s presentation he will show you the simple steps you can take to bring Credit and Sales into perfect harmony and change the internal perception of credit at your company.

Turn the Credit Department into the solutions center with Eddy’s cutting edge approaches. This educational session could change your work life.

Awards and Recognition
The Credit Executive of the Year Award will be presented by last year’s winner Eddy Sumar, CCE. Educational certificates and recognition will be given for CBA, CBF, and CCE Designees.

Annual Meeting Agenda
Wednesday, April 18, 2007
Montebello Country Club
Quiet Cannon Restaurant Montebello, CA
(off the Pomona Fwy at Garfield)

8:45 am – Continental Breakfast
9:15 am – Industry Group Meetings
10:00 am – Special Educational Session
11:30 am – Cocktails, No-host bar
12:00 Noon – Luncheon & Annual Meeting Comedy Keynote Speaker Frank King

Annual Meeting Luncheon $55 per person

Get Up Off Your Aspirations! – Comedy Keynote Speaker

Forget the “7 Habits of Highly Effective People”, no offense but let’s get to the meat and potatoes of life. Frank King has learned life’s lessons the hard way and he will share them with you in this comedy keynote. Sit back, relax and let Frank take you on a trip down “Where the heck am I going” Lane.

A little diddy about Frank: He was a quarter-finalist on Star Search and he lost to a puppet. He’s also appeared on An Evening at the Improv, Showtime’s Comedy Club Network, and CNN’s Business Unusual. He’s opened up for, among others, Jeff Foxworthy, Adam Sandler, Pauli Shore (but if you tell anyone I’ll kill you), Dana Carvey, Kevin Pollock, Jerry Seinfeld, The Beach Boys (or at least, what’s left of ’em), Neil Sedaka (world’s worst toupee), Mary Wilson, and The Fifth Dimension. In addition to telling jokes, he’s been busy, selling jokes. He’s written for Jay Leno, Joan Rivers, and Dennis Miller.

CMA New Member – Falcon Trading Company – SunRidge Farms


From their website:

SunRidge Farms is committed, through each of our products and actions, to the betterment of all living beings on our planet…

In an era in which a number of multinational companies seem to be faceless engines of enterprise, SunRidge Farms remains a family and staff run business, keen on personal service. Our commitment to your health, through the quality, integrity and environmental sensibility of the products we create, is the cornerstone of supplying you the very best bulk and packaged organic and natural foods available in the market place.

What began as a small business with the clear vision of aligning our goals of treating everyone with the greatest respect while making a living , has evolved over the last 25 years to include a product line of 1200 items and a fleet of trucks which uses biodiesel fuel. We currently have plans to solarize our manufacturing and distribution facility in Pajaro, California.

We feel the keys to SunRidge Farms’ success over the years have been the  strength of our vision and the devotion and unyielding dedication of all of our staff to insure that health, quality and excellence go into every product from our company to your home and kitchen.

All of us at SunRidge Farms remain steadfast in our commitment to bring you the premier line of bulk and packaged organic and natural foods.

We just would not have it any other way!

** Falcon/ SunRidge was referred for membership by Natalie Nelson from Henry Wine Group. Natalie your $25 Target GiftCard is on its way.

CMA New Member – Wagner Die Supply Inc.


From their website:

Frank Wagner and his son Robert  established Frank Wagner & Son in 1947. The Wagners pioneered many industry standards, like the Wagner Bender, patented in 1958, which are still industry workhorses today.

By 1950, Frank Wagner & Son had become an industry leader in the manufacture of seamless cutting punches as well as a variety of die making equipment…

In 2002 Frank Wagner & Son and its subsidiaries became Wagner Die Supply.

CMA New Member – Koi Design LLC


From their website:

We’re a clothing company with a simple mission – to create scrubs that people love to wear. We incorporate the latest trends into our products. We don’t believe in sacrificing comfort for style when you can have both.

We’re passionate about the clothing we make. And we hope our customers feel the same way. Every product we make is a labor of love. That’s what Koi happiness is all about.

And now the end is near…


by: Roy Stout, CMA Board Chairman

I am dumbfounded that 12 months has come and gone since I became Chairman.  Where does the time go?  I honestly believe that time flies when you are having fun and as I have said before, I had a ball this year.  I am also one of those sick individuals who have a great deal of fun and derive a great deal of satisfaction from hard work.  I know the Board, the Staff and I all worked very hard this year to make sure we continued to deliver the products and services needed by our members to perform their jobs.

In the past 12 months, we gained a renewed respect for the value of Industry Credit Groups (ICG) and the important functions that they fill.  We have spent a great deal of time renewing our efforts to modernize and improve the ICG’s to reflect the vitality and demographics of our members.  Specifically, we have started an ICG Guerilla Marketing Group which meets regularly to evaluate the progress that we have made. 

We have developed some important alliances during the last year.  One of the most notably was an alliance with Q2C.  This organization provided significant support of our educational offerings during a very successful Western Region Credit Conference this last October.  Q2C has also had an impact on both the quality and quantity of webnairs we have been able to provide to our members.  Q2C should continue to be an important partner for the future success of our Association.

Speaking of online educational opportunities; this year for the first time ever, through the tenacity and dedication of our education people; we were able to receive accreditation from the National Association of Credit Management for our online courses.  This was a huge victory, for we can now provide our members the courses necessary, for the certification that they deserve, on their own time and from the comfort of their office or home.  It will not be necessary to drive to a classroom at some distant designated location.  Considering the cost of gas and where it is likely to go in the future, this is a huge win for our membership.

Although we stumbled a little at the launch of anscers v2.0, I feel we have now made a full recovery.  I also believe we have only scratched the surface of what this venue has to offer in growth and value for not only our members but for the users from all over the world.  The continued development and enhancement of this marvelous tool cannot be set aside for it has the capacity to be the guide and monitor for CMA Business Credit Services for the foreseeable future.

This year we introduced CMA Daily News, the daily blast of thoughts, trends and news important to the credit professional.  I love receiving important tidbits affecting my profession and work environment on a daily basis; this is the one e-mail that I do not mind receiving.

It was not all roses this year as I had to say goodbye to one of the true treasures of CMA Business Credit Services.  Erna Ohlsson retired after dedicating her heart and soul to this organization for forty plus years.  Good people come and go in any organization but some leave such voids that their departure is hard to accept.  The mark left by Erna on our Association will not soon fade away and we will all miss her.  I wish her well in all her future endeavors, for I know she will accept tasks in the future with the same dedication that she gave to us for all those years.

I want to extend my sincerest thanks to the many, many people who lent a hand and offered encouragement and support throughout my year.  I appreciate everything you did for me that made my job that much easier.  Together, I think we created an Association that is stronger today than it was when I took office a year ago.

The future of our Association looks very bright.  We have a new Chairman and a new Board who are very qualified to carry on as I am sure they are eager to do.  Our Staff and Officers of the Association are more engaged and more dedicated than ever to the service of our members and I am sure that will continue.   

So, it is time for me to step aside and let the new regime take its place.  Remember tired old Chairmen never die but rather they just fade away into the background from where they came.

Until our paths cross again, here’s hoping this year was as rewarding for you as it was for me.

Top 5 Reasons to Attend Success Mastery


“Emotional intelligence isn’t a luxury you can dispense with in tough times.  It’s a basic tool, that deployed with finesse is key to professional success.”     Harvard Business Review

Top 5 reasons to attend:

  1. Learn the difference between expressing your thoughts and feelings and the expression of what will get you the best result in the situation.
  2. Learn to better understand yourself and other people. Use this to improve results and get more cooperation with your co-workers and customers.
  3. Assess your current needs for balancing work and personal demands to create a healthier workplace.
  4. Create a plan to achieve your desired goals and maximize your success.
  5. Last but not least, learn to identify your stress “triggers” and transform stress into positive energy.

About your presenter:  Jodi Walker is a Certified Speaking Professional. Only 7% of the speakers from the International Federation of Speakers and the National Speakers Association have attained this designation.  She has spoken on five continents and works with organizations to tap into the talent of their greatest resource – their people.

Click here to download the flyer, click on anscers Events to register.

This series is designed to provide you with the skills to effectively manage work and life challenges in order to be more productive, profitable and happier. Employees become more enthused and committed by enhancing both their personal and professional development through effective life management tools. The outcome for the organization is improved morale and higher performance from more skilled and accountable employees.

CMA New Member – Western Farm Service


From their website:

Premier Retailer of Crop Production Inputs Leader in Precision Ag Technology 

Western Farm Service (WFS) offers growers innovative advances in agricultural products and services. Approximately 100 staffed WFS facilities and 12 agronomists service growers in California, Arizona, Washington, Oregon and Idaho.

WFS is an operating segment of Agrium, a global producer and distributor of nitrogen, phosphate, potash and sulfate. WFS has a sister company in the Midwest, Crop Production Services (CPS), which services the Corn Belt to the east coast.

CMA New Member – Stowe Management Corp.


From their website:

For over 25 years Stowe Management Corporation has been assisting companies to navigate their challenges and capitalize on their opportunities to achieve maximum success.

We have assisted companies in a broad range of industries, including manufacturing, entertainment, distribution and professional services. Over the years we have worked with firms in all stages of growth and have been able to help them focus on their core capabilities to help them move to their next level of success.

Working as strategic partners with owners of small and medium sized businesses, we take a hands-on approach to solving complex problems.

To develop a comprehensive view of your firm, we identify all key operational functions critical to the company’s success. Working closely with the business owner, we explore all possibilities and craft a road map/timeline that works for everyone.

Whether you are looking to expand revenue, increase profitability or improve your overall business value, we can help you chart a course to achieve your goal.

CMA New Member – Ware Malcomb


From their website:

Ware Malcomb was founded in 1972 by Bill Ware and Bill Walcomb. Based in Irvine, California, Ware Malcomb is one of the first local architectural firms in Orange County that specialized in the design of office and industrial buildings.

Ware Malcomb is Committed to be the Best Commercial Real Estate Focused Architectural Firm in the United States. Established since 1972, Ware Malcomb is a leading national architecture, planning, interior design and graphic design firm which provides professional services for commercial development and corporate clients throughout the United States and Mexico. Specialized experience includes the design of commercial office, industrial, technology, healthcare and retail facilities, as well as auto dealerships. The firm has offices in San Ramon and Sacramento, as well as additional locations in Irvine (corporate headquarters), Los Angeles, San Diego, Denver, Chicago and New Jersey.

CMA New Member – HID Global


From their website:

HID Global is a leading manufacturer in the access control industry, serving customers worldwide with proximity and contactless smart card technologies; central station managed access controllers; secure and custom card solutions; digital identity and photo card management software solutions; secure card issuance solutions; and RFID electromechanical cylinders. Headquartered in Irvine, California, HID Global operates international offices that support more than 100 countries and is an ASSA ABLOY Group company.

As a leading manufacturer of contactless smart card technology for physical access control, HID is selected more than any other brand in the convergence of physical and logical access control. A highly recognized brand, HID credentials are requested in more applications for customers worldwide.

Our investment in the company’s contactless cards and readers is leveraged in a variety of networked access management-based enterprise-wide security applications including physical access control, vehicle identification, cashless vending, time and attendance and biometric verification.

20th Annual WRCC Looking for Exhibitors


Spaces are available now for the 20th Annual Western Region Credit Conference EXPO. Our smaller conference (about 250 Credit Professionals) provides exhibitors a casual atmosphere to display their products and services.

We also have a traffic builder game that increases your chances of talking with as many attendees as possible during the EXPO. Click here to download more information about exhibiting at this years Conference.

Two New Members from Las Vegas


Help us in welcoming two new CMA Members from Las Vegas:

AO Painting, LLC – a painting contractor for commercial and residential projects. AO was referred by Steve Taylor from MEC Construction. Thanks Steve!

Northwest Electric Inc. – a electrical contractor that deals with materials and installation.

Thanks for joining!

CMA New Member – Sun Valley Electric Supply


From their website:

We are Las Vegas’ newest electric supply company.

Conveniently located, our 26,000 sq. ft. warehouse offers an extensive array of commercial and residential electrical supplies.

From our vast selection of breakers, switches, fuses, panels and transformers to fittings, hubs, bushings, boxes and covers, you will find whatever it is you need.

With our extremely knowledgeable staff, consisting of lighting and gear specialist’s, project department, and inside and outside sales personnel, any request you may have will be handled in a professional and timely manner. We welcome all your special order requests.

Online Business Credit Principles Course


Click here to download more information.

Upon successful completion of this on-line course, you should understand the role of credit in financial management, the components of effective credit department systems and procedures, specific government regulations that pertain to business credit, credit and policy procedures, selling terms, negotiable instruments, the Uniform Commercial Code, credit investigations, financing and insurance, business credit fraud, factors associated with credit limits, out-of-court settlements, and bankruptcy.

Here’s what you get:

  • Weekly live lectures with the instructor using CMA’s popular Webinar presentation format
  • 24/7 access to an online classroom where you can find all course materials, get and post assignments, and interact with the instructor between lectures
  • Online forums where you work with classmates on team projects and case studies
  • Online Midterm Exam
  • NACM Certification credit toward the Credit Business Associate (CBA) Designation

Why take this course online?

  • Take the entire course from your office or home — no travel required, ever
  • This is not self-study — get live, personal attention from an experienced, qualified instructor, and learn from classmates
  • Complete the course in just ten weeks

Orientation, April 18, 2007 at 9:00 am (PDT)
Course begins Thurs., April 19, 2007
Live lecture Thursdays from 4 – 5 pm (PDT)
10 weeks lecture

CMA Member $899 per person, regularly $1199
Non Member $999 per person, regularly $1299

You must have simultaneous access to the Internet and a telephone.

Log in to www.anscers.com and go to anscers Events to register, or fax in the Registration Form.

Paul is the founder of Pacific Business Solutions, a Q2C partner, and brings over 30 years of global experience in credit, finance and management with industries such as telecommunications, semi-conductors, forest products, chemicals, plastics and consumer products.  He is on the faculty of St. Mary’s College, teaching in undergraduate and graduate degreed programs and has helped create and instruct in on-line certificate programs for FCIB and CMA. Paul received his BBA from the University of Notre Dame, an MBA from Golden Gate University, the Executive Award from the Graduate School of Credit and Financial Management at Stanford University and a CICE designation from the FCIB association.

CMA New Member – Ideal Tile & Stone


From their website:

We’re Ideal Tile and Stone and, while we’re new to Southern Nevada, we have a 20-year successful track record in New York, home of the most particular customers in the world. Now we’re bringing that same high standard of installation expertise to you.

When your installation has to be perfect, Ideal Tile and Stone is the only choice. Our tile setters are master craftsmen and have a minimum of ten years’ experience working with marble, limestone, travertine, ceramic and porcelain.

Ideal Tile and Stone is a real company, not one man working out of his truck. When you call, you’ll talk to a real person, not voicemail. And we’re fully licensed and bonded.

We take pride in our reputation for reliability and professionalism. All jobs begin and end on time. Our installers are good and fast, which keeps costs down. Speaking of which, our prices are extremely competitive. You’ll find that exceptional customer service doesn’t have to cost more.

At Ideal Tile and Stone, we specialize in residential and commercial floors, walls, baths, showers and kitchen backsplashes. All of our work carries a one year unconditional guarantee. If you’re not satisfied for any reason, we’ll make it right.

Three new members without websites


Three new members joined CMA’s membership roster that do not currently have websites. They are:

Edgerton Consulting in Concord, CA – a service based consulting business.
Aware Holdings Inc. in La Habra, CA – provides IT and accounting services.
MEC Construction, LLC in Las Vegas, NV – a general contractor.

Welcome to CMA!

CMA New Member – US Airconditioning Distributors


From their website:

US Airconditioning Distributors is the world’s largest privately owned HVAC distributor, with 48 locations in California, Nevada, Utah, Idaho and Arizona. We are a One Stop Shop for all your HVAC needs from residential to commercial to industrial including equipment, controls, parts, supplies, and sheet metal.

US Airconditioning Distributors is your high efficiency expert, with the highest efficiency equipment available in the industry. Condensing units up to 22 SEER, furnaces up to 96.6% efficiency and rooftops with EER’s of over 11. Click here to read more about being a high efficiency dealer.

CMA New Member – J.V. Manufacturing


From their website:

JV Manufacturing, Inc. offers a complete line of Cram-A-Lot
vertical balers and compactors to fit your recycling needs. Balers to recycle small volumes of
aluminum or plastic on an on going basis or balers to recycle cardboard the size
of refrigerator boxes. All designed to quietly, efficiently and safely compact
your recyclable materials.
We offer compactors of various sizes, from small apartment compactors to 15
cubic yard capacity transfer compactors.

CMA New Member – Slakey Brothers


From their website:

Established in 1939, Slakey Brothers has grown from a small family-owned company to an employee-owned corporation with 31 branches.

Specializing in the sale of plumbing, heating and air conditioning equipment and parts, Slakey Brothers services California, Western Nevada, Oregon and Washington.

Slakey Brothers is a wholesale distributor dedicated to providing the best total value and service to our customers. A key element of our service is supplying our customers what they need, when and where they need it.

We service HVAC, plumbing and pipe, valve, and fittings (PVF) markets in California, Northern Nevada, Oregon and Washington.

In both HVAC and plumbing, our primary markets include:
Residential New Construction
Residential Add-on and Replacement
Commercial Design-Build
Commercial Add-on and Replacement

We are committed to stocking and marketing products to develop a mutually beneficial alliance with our suppliers and our customers.

We prudently manage our business to provide for sustained growth and profit through focus on operational excellence.

Slakey Brothers was referred for membership by Pamela Frese of Cal Steam. Thanks Pamela your Target GiftCard is on the way!

CMA New Member – Castino Restaurant Equipment & Supply


From their website:

Since 1974 Castino’s has provided solutions and service to foodservice
facilities across the U.S. Using a team approach, we partner with our
clients to solve your specific foodservice challenges, which helps make
your facility more efficient and your business grow to its fullest

When you rely on Castino for your foodservice solutions, you receive:


  • Integrated kitchen and restaurant design. We marry your menu with the most efficient kitchen and restaurant décor possible.
  • Solutions focused experience. We’re your partner in developing foodservice solutions to your specific challenges. .
  • Prompt installation and delivery.
    Our service professionals offer fast, get-it-right-the-first-time
    installation. Get what you need (anywhere in the U.S.) when you need it
    via our centrally located warehouse/distribution facility.
  • Convenient ordering.
    Our service representatives are available during normal business hours
    six days a week. You also can order online 24 hours a day, seven days a
    week with our online ordering.
  • Unmatched value. At Castino, we pride ourselves on offering you the most competitive pricing along with leasing and financing options.

CMA New Member – Foamex


From their website:

Foamex is a leading producer of flexible
polyurethane foam for the bedding, furniture, carpet cushion and
automotive markets as well as technical foams for diverse applications
in industrial, consumer, electronics and transportation industries.

You will find Foamex foams inside, around and under thousands of products from hundreds of
manufacturers. They protect automobile passengers on the highway and fragile electronic
components in shipment. They help consumers sleep sounder and furniture manufacturers
create more comfortable products.  They add to the luxury and performance of home and
commercial carpeting.  They are used in filters, dispensers, gaskets and seals in
everything from blood oxygenators to computer disk drives.


If you need a polyurethane foam or polymer product off the shelf, Foamex makes the finest
quality and greatest variety available from any manufacturer. To discover where we
really shine, bring your wish list to our design and technical teams and imagine the
possibilities. Everyday, we meet the challenge of shaping things to come.

CMA New Member – Nickent Golf


From their website:

While every golfer may be different, we all demand the same thing from
our game, Performance. Performance on the course. And performance from
our golf equipment. At Nickent Golf, our entire development process is
born out of a 100% commitment to performance. This commitment is driven
by a dedication to advanced technologies and an absolute focus on
design innovation.

Communication that Gets Results Webinar 3/20

Would you like to sharpen your skills
at communicating effectively with your customers, co-workers and manager? Many
credit and financial professionals struggle with communication that brings the
desired result. They struggle because they don’t know what to say or how to say
it. They are afraid of looking foolish, sounding foolish and losing the deal.
Consequently they give up before they even try. Don’t let this happen to you.
Instead, learn how communicate and persuade others to take action. In this
presentation, you will learn how to: Use the power of persuasion to get people
to take action. Use powerful body language with confidence. Captivate your
audience with stories. Grab your audience’s attention and keep it. Connect to
your audience and build instant rapport.Get better results in meeting your
business and personal objectives.

Click here to view our education schedule and register for the webinar.

Collection Reflection – Poem


I think that I will never know,
What makes these customers
pay so slow
The salesman said
“Their credit’s great,”
We rush the order and begin to wait,
The due date comes and then It goes
That’s when we hear
“the Tale of Woes.”
The checkbook’s lost, the boss is ill,
Our dog Betsy, ate your bill
‘Our bookkeeper just got out of jail,
we used your check
to make the bail”.
“we had a fire and then a flood.”
“We’ll need a P.O.D.
signed in blood”
Next time I hear,
“Oh they’re as good as gold”
I’ll quickly put them on

Contributed by Judy Bedner, Credit Manager, Western Nonwovens, Inc.

CMA Annual Meeting April 18, 2007

Celebrate CMA’s Best Moments – Click here to download the Registration Form.

On April 18, 2007 join CMA for our Annual Meeting where we honor our outgoing Board of Directors, and celebrate the incoming Board of Directors.

Special Educational Session
In recognition of our members, CMA is offering a Special Educational Session before the Annual Meeting; Celebration, Credit and Sales in Perfect Harmony. The session is included in the cost of CMA’s Annual Meeting.

Celebration: Credit and Sales in Perfect Harmony
Speaker: Eddy A. Sumar, MBA, CCE, CICE

How would you like to change the image of the credit department at your company? In Eddy’s presentation he will show you the simple steps you can take to bring Credit and Sales into perfect harmony and change the internal perception of credit at your company.

Turn the Credit Department into the solutions center with Eddy’s cutting edge approaches. This educational session could change your work life.

Awards and Recognition
The Credit Executive of the Year Award will be presented by last year’s winner Eddy Sumar, CCE. Educational certificates and recognition will be given for CBA, CBF, and CCE Designees.

Annual Meeting Agenda
Wednesday, April 18, 2007
Montebello Country Club
Quiet Cannon Restaurant Montebello, CA
(off the Pomona Fwy at Garfield)

8:45 am – Continental Breakfast
9:15 am – Industry Group Meetings
10:00 am – Special Educational Session
11:30 am – Cocktails, No-host bar
12:00 Noon – Luncheon & Annual Meeting Comedy Keynote Speaker Frank King

Annual Meeting Luncheon $55 per person

Get Up Off Your Aspirations! – Comedy Keynote Speaker

Forget the “7 Habits of Highly Effective People”, no offense but let’s get to the meat and potatoes of life. Frank King has learned life’s lessons the hard way and he will share them with you in this comedy keynote. Sit back, relax and let Frank take you on a trip down “Where the heck am I going” Lane.

A little diddy about Frank: He was a quarter-finalist on Star Search and he lost to a puppet. He’s also appeared on An Evening at the Improv, Showtime’s Comedy Club Network, and CNN’s Business Unusual. He’s opened up for, among others, Jeff Foxworthy, Adam Sandler, Pauli Shore (but if you tell anyone I’ll kill you), Dana Carvey, Kevin Pollock, Jerry Seinfeld, The Beach Boys (or at least, what’s left of ’em), Neil Sedaka (world’s worst toupee), Mary Wilson, and The Fifth Dimension. In addition to telling jokes, he’s been busy, selling jokes. He’s written for Jay Leno, Joan Rivers, and Dennis Miller.

CMA Auctions has Two Planes for Immediate Sale


CMA Auctions & Asset Liquidation Division has two aircraft for immediate sale. If you are interested or know anyone else who may be, please click here to view the planes and the minimum bid.

CMA Auctions & Asset Liquidation Division can help any company who has excess inventory they want to turn into cash. Maybe a product did not sell as expected, you might have too much equipment for your size of operation – turn those assets into cash by contacting CMA Auctions at (818) 972-5300 ext. 152 or 153.

Construction Boot Camp – April 5 & 6 Las Vegas


Two days of intense credit training for those in the Construction Industry. Click here to download the registration flyer.

Day 1
Who has Lien Rights
Nevada’s Preliminary Notice Requirements
Nevada Mechanics Liens and Releases
Foreclosure Procedures
Federal Miller Act
Nevada’s Little Miller Act                
Progress Releases
Joint Checks

Day 2
Credit Investigations
Investigations of Job Accounts
Importance of Filing Preliminary Notices
Collection Calls
When to File a Mechanics Lien
Using a Collection Agency
Roadmap to a Law Suit
Round Table Discussion on Collection Techniques


Dennette Mulvaney, Esq., Bisno, Samberg & Mulvaney
John Samberg, Esq., Bisno, Samberg & Mulvaney
Brian Pezzillo, Esq. of Pezzillo, Robinson
Randy Clark, Young Electric Sign Company
Mike Little, Ahern
Sandy McConnell, Winroc
Michelle Sprinkle, Canac Kitchen


April 5 & 6, 2007 Time: 9:00 am to 4:00 pm each day. (Continental breakfast served 8:30 am– 9:00 am)


Palace Station
2411 W. Sahara Ave.
Las Vegas, NV


CMA Members $399 per person, Non Members $499 per person. Price includes continental breakfast, lunch and an afternoon snack each day.

Session Monitors Chosen for NACM Credit Congress


Thanks to everyone who responded to our request for Session Monitors for the NACM Credit Congress happening in June. As the host affiliate, we are responsible for ensuring the Congress is a success operationally. 35 CMA Members answered our call for Session Monitors and 13 were chosen. They are:



























Am Com Food
Jacqueline Lopez
Brady Industries Vivian Lee
CBS Radio Donna Blizniak
City Seafoods Kattie Ong
CKR Michelle Aljiliani
Folsom Ready Mix Sherry Raposo
San Francisco Chronicle Ross Hawkins
Sigler Wholesale Gary Goldberg
Silgan Containers Tracy Rosenbach
Sunsweet Growers Karen Miller
Sysco Food Services Debby Hathaway
Wander Law John Wander
Winroc Sandy McConnell

Thanks again for your quick responses and we hope to see you at this years NACM Credit Congress.

CMA New Member – Active Apparel


From their website:

At Active Apparel, we understand your time is precious. Here are 5 reasons to consider us as your source for quality Sportswear, T-Shirts, Sweatshirts, Lounge wear and other private label and in stock garment.

  • Flexibility to pull from our stock inventory.
  • Get custom styles and private label goods from our domestic factory for quick turn around.
  • Get custom styles and private label goods from our overseas factory for the best prices.
  • Full design to print and pack facility for product ready to ship to individual customer or store USA warehouse
  • Distribution facility to ship from to minimize your fixed overhead.

Need Credit Congress Session Monitors – Big Payoff


The National Association of Credit Management (NACM) will be holding the Credit Congress & Exposition in Las Vegas this year at Bally’s Hotel & Casino, June 10 – 13.

As the “Host Affiliate” for this year’s event, CMA is recruiting members to volunteer as “Session Monitors”.  A Session Monitor’s role is to act as the key point person during each educational session to introduce and assist the presenter, distribute and collect evaluation forms, take attendance, and announce CEU’s.

Volunteer Session Monitors will receive a full complimentary conference registration and earn CEU points for monitoring each session.

If you would like to take advantage of this golden opportunity to volunteer at the next Credit Congress, please email Kim at klamberty@creditservices.org.

CMA New Member – TGIC Wine Importers


From their website:

TGIC Importers, Inc. began 22 years ago as a wine import company with only a single Chilean wine as our portfolio.

Alex Guarachi, President and founder, of TGIC has long had a dream of bringing the finest wines from all over the world into the United States, beginning with wines from his native Chile. Alex truly believes the "sky’s the limit"

We are deeply devoted to providing our clients and suppliers with the kind of personal attention and enthusiasm that has become our hallmark. We are pleased to deliver unpararelleled quality wines from around the world to our customers.

From CMA: Nice video on the site explaining why Chile is perfect for producing wine. Makes you want to retire there.

CMA New Member – True Partners Financial


From their Website:

True Partners is a unique venture capital group that specializes in helping small and medium-sized companies turn their growth potential into significant success.

We accomplish this by offering more than just financial backing. We also provide a wide array of growth-enhancing services, from consulting and systems implementation to marketing and operational support.

Our mission is to provide complete solutions that are tailored to achieve the unique growth goals of each of our company-partners.

CMA New Member – Genius Products, LLC


From their website:

Genius Products, Inc. (OTC BB:GNPI), along with The Weinstein Company, jointly own Genius
Products, LLC, a leading independent home-entertainment distribution company
that produces, licenses, and distributes a valuable library of motion pictures,
television programming, family, lifestyle and trend entertainment on DVD and
other emerging platforms through its expansive network of retailers throughout
the U.S. Genius handles the distribution, marketing and sales for such brands as
Asia Extreme(TM), Baby Genius®, Dragon Dynasty™, Dimension Films, ESPN®, IFC®,
NBC News®, Sundance Channel Home Entertainment®, Wellspring™ and The Weinstein

Success Mastery Webinar Series


Starts March 7, 2007

This series is designed to provide you with the skills to effectively manage work and life challenges in order to be more productive, profitable and happier. Employees become more enthused and committed by enhancing both their personal and professional development through effective life management tools. The outcome for the organization is improved morale and higher performance from more skilled and accountable employees.

Click here to download the flyer.

FCIB Roundtable March 8, in Los Angeles


FCIB – the premier association in the fields of Finance, Credit and International Business – is pleased to announce its 3rd International Round Table in California. Round Tables in New York, Chicago and Miami have been a tradition for FCIB during its 87-year history. We are pleased to bring them to California. They are an exceptional educational and networking opportunity for the international trade professional.

March 8, 2007 – Luxe Hotel Sunset Boulevard

This Round Table forum will include a Keynote Presentation and an in-depth Question and Answer Session, led by a moderator and a panel of experts – highly successful and recognized practitioners in the international credit, risk management and trade finance fields. The agenda is derived from questions and topics of interest submitted by attendees. Discussion of the key issues of the day and exchange of information with industry peers and executives is the highlight of FCIB’s International Round Table forums.

Click here for more information and registration.

Students Love Online Financial Analysis


The students in our Online Financial Statement Analysis Course, taught by Paul Beretz are loving the course. Here are some of there comments:

1.  On line courses are great no need to drive out of your way. The hours work with any schedule. Frances Rodriguez

2.  This is a great class for working professionals to acquire additional skills in Financial Statement Analysis. The instructor is very knowledgeable and the webinar format is also convenient and easy to use. Christina Gibson

3.  I felt this course was exactly what I needed and was looking for without having to travel to an actual class room. Karen Kryk H & E Equipment Services

Check out anscers Upcoming Events for future online courses.

Credit Law ACAP Course


10 WEEK COURSE STARTS MARCH 28, 2007 – download flyer

This course provides students with a fundamental understanding of business and credit law and the legal environment. Credit Law looks closely at negotiable instruments, debtor-creditor relationships, and government regulations.

The topics covered:

Negotiability and Transferability
Rights and Liabilities of Parties
Checks, The Banking System, and E-Money
Secured Transactions
Other Creditors’ Remedies and Suretyship
Agency Relationships in Business
Sole Proprietorships and Partnerships
Corporate Formation and Financing
Corporate Directors, Officers, and Shareholders
Limited Liability Companies and Limited Partnerships
Franchise and Special Business Forms
Antitrust Law
Consumer Law

Starts Wednesday, March 28 meets every Wednesday for 10 weeks
6:00 pm – 9:00 pm

CMA Member $550 per person Non Member $625 per person

Raley’s Community Room, 2900 Geer Rd. Turlock, CA

Advanced Credit Administration Program (ACAP)
The Advanced Credit Administration Program is a series of college equivalent courses designed to prepare credit professionals for additional managerial responsibilities and for the CBF Designation exam. (A combination of course work and NACM Career Roadmap points is needed to qualify for the CBF Designation exam.)

Doing Business with Sovereign Nations WEBINAR

WEBINAR: 2/13/07 9:00 am Pacific Time

In the past few years Native American businesses located within “Sovereign Nation” territory have become a major business opportunity for many companies. Learn how to effectively do business within Sovereign Nations, protect your company against undue risk and become a valuable vendor to your customers. Specific topics covered include: The statutory and legal authority of Sovereign Nations, Basic credit risk management tools and techniques in this unique environment, The issues surrounding legal proceedings against Sovereign Nations, and the process of appealing a judgment, How to avoid common problems, How to obtain an enforceable waiver of immunity, The importance of written agreements, The difference between actual rather than apparent authority and its relevance to doing business with Sovereign Nations. The session level is Basic/Intermediate and is part of the Risk Management Track.

View anscers Upcoming Events for more information and registration.

CMA has an 80% Recovery Rate on International Claims


No kidding.

We have a 80% recovery rate on International claims.

Even better, most of the claims are collected without having to use an attorney. This saves our clients thousands in upfront costs and collection fees.

If you are having trouble collecting on International accounts, please call CMA or download our flyer to send your International claim to us today.

We have a 80% chance of collecting that International claim for you.

Download our flyer for more information.
Contact CMA for more information 818-972-5365 or email rdeocampo@creditservices.org

CMA Collection Division has given Hawker Pacific a truly professional service. They are fast and efficient in contacting the clients in a professional manner, and willing to contact the clients at any time, day or night. CMA provides any information they have on International Bankruptcy and Collection Laws. They have had great success in collecting our International Accounts.”

Valerie A. Sawyer
Accounting Administrator
Hawker Pacific Aerospace

It’s February Already, Time to Ramp Up


From Roy Stout, CMA Board Chairman

This time of the year the activities at your association really begin to ramp up.  I am here to tell you that things are moving at a very fast pace.

Our Education Department is working overtime to keep the Association’s calendar full with webinars, seminars and group meetings right through the first quarter of 2007.  One of many noteworthy programs is the 3-part webinar series “Success Mastery” to assist you in managing work and life challenges.  The series was first presented in November 2006.  It was so popular and so well received by the audience, we could not help but to present it again.  This webinar series is presented by Jodi Walker, an outstanding speaker.  Many of us had the opportunity to hear Ms. Walker in Las Vegas at the Western Region Credit Conference.  Her presentations are filled with sound advice and practical applications.  If you have not heard her before, take this opportunity to get acquainted with her works.  For more information about this series and the other educational opportunities, check the “Events” tab on our website anscers.com, or click here.

Speaking of the Western Region Credit Conference, you will be happy to know that the planning is well underway for this coming year’s conference where we will be celebrating the 25th Year Anniversary of the conference.  Please let us know how we can make an already very good conference into a great conference which you will not want to miss.  We would love to hear from you.

This is also the time of year that we nominate one of our own to be honored as the California or Nevada Credit Executive of the Year.  We are searching for that individual who has made your work in the credit profession just that much better.  A mentor possibly, an outstanding leader, a constant contributor to the field of credit professionalism, a caring teacher, a dedicated colleague; you know who they are.  Why not nominate them for the Credit Executive of the Year Award which will be presented at the respective California and Nevada Annual Meetings by last year’s winners.  Further information about nominations and deadlines is available by clicking this link.

I would like to thank the nominating committee for completing their task.  I believe they have chosen a panel of very qualified individuals to be the Directors and Officers of your Association for the year 2007-2008.  The slate of selected candidates will be published soon.  I hope all of you will join me in giving our continued support to their future efforts in maintaining our status as one of the finest credit professional organizations in the country.  I wish to send my personal congratulations to the newly selected Directors and Officers.  I know from your resumes that you are all highly qualified and will do an excellent job.

I also want to extend my personal congratulations to our Collection Division.  Rich DeOcampo and his staff just recently accomplished an unbelievable 80% recovery rate on international claims.  Good job collection crew, keep up the good work.  It almost makes me wish I had some troubled international accounts.  If you do, make sure you consider our Collection Division for some seriously good results. 

And now for something entirely different, I hope everyone is as ready as I am to watch the Super Bowl this weekend.  As a Midwest boy, the game could not have played out any better with both Chicago and Indianapolis playing the big game.  It would be wrong for me to use this forum to promote any particular bias or preferences, so I just have one thing to say, “dah Bears”.  Seriously, be sure to take time off from the pressures of our jobs and have a really wonderful time at the Super Bowl party of your choosing.

Until our paths cross again, keep your eye on the ball and keep moving forward on the field of life…

CMA New Member – Air Cold Supply


From their website:

Air Cold Supply and Webb Distributors have joined forces to create a more
comprehensive One Stop HVAC Shop. We are the premier HVAC supplier on the West
Coast with nearly 50 locations stretching from Phoenix to Seattle. We serve HVAC
dealers and contractors with both Residential and Commercial equipment, parts,
supplies and controls. We are proud to offer York and Coleman as our main lines
of equipment as well as a full offering of aftermarket and OEM parts. Our
extensive training and technical support provides our customers the tools they
need to tackle any situation and stay ahead of the changing HVAC marketplace.

CMA New Member – Roth Staffing


From their website:

Roth Staffing Companies, L.P., has a unique group of specialized staffing
divisions. Ultimate
Staffing Services
specializes in the placement of administrative,
clerical, customer service, light industrial and information technology
specialists; Ledgent
provides accounting and finance professionals; Adams & Martin
provides legal professionals; and Enhansis is our Vendor
Management System. Our core competency lies in management of a large contingent
workforce, a major part of our business model, while our scope of services
includes providing temporary, temporary-to-hire and direct hire staffing
solutions to over 7,000 businesses in thirteen states and the District of
Columbia (Arizona, California, Colorado, Florida, Georgia, Illinois, Maryland,
Michigan, Nevada, Ohio, Pennsylvania, Texas, and Virginia).

Since our
inception in August 1994, we said that we wanted to be different and better. We
wanted to set a new standard for the industry and have our customers, staffing
associates and coworkers raving about how good we are. To date, our vision is
intact…we remain the only staffing company in the nation to be ranked #1
fastest-growing privately held company by Inc. magazine. And, the
California Council for Excellence honored us with several awards for
acknowledging our successful alignment with the Malcolm Baldrige criteria for
performance excellence.

CMA New Member – CDS Inc.


From their website:

CDS Tiger for agencies, debt buyers, insurance subrogation
Welcome to the world of CDS Tiger, the collection agency software built on 30 years of experience. Our ultra friendly user interface and smart pull-down menus shorten the learning curve and redefine “quick and simple.” No more months of training a new staff member. In fact, a collector can be utilizing the system within two hours of his or her introduction to the product. Collectors get up to speed quickly and easily, exactly what an agency needs: agents collecting and producing, not learning.

CDS Tiger RMS for banks, retail firms, debt originators
Taking control of your internal collection system has never been so easy. Built on 30 years of experience, our ultra friendly user interface, intuitive online help, and smart pull-down menus shorten the learning curve and redefine “quick and simple.” There is no need to worry about the format of your data. CDS programmers will write custom programs to interface with the host system’s database.

CMA New Member – Viasys Respiratory Care, Inc.


From their website:

"VIASYS Healthcare Inc. is a global market leader in health-care technology–a distinction that is built on a solid history of innovation, superior product performance, and a commitment to customer service. VIASYS Healthcare comprises many well-established companies that are each recognized for market leadership. These companies specialize in developing, manufacturing, marketing, and servicing high-technology medical devices that are used in respiratory care, neurology, vascular medicine, critical care, and the medical and surgical product markets. Their products are used to assist physicians in the diagnosis and treatment of cardiopulmonary, digestive, neurological, respiratory, and vascular disorders for neonatal, pediatric, and adult patients. Customers of VIASYS Healthcare include hospitals, alternate care sites, clinical laboratories, and private physicians in over 100 countries."

Basic Financial Accounting 10 Week Course in S San Francisco


Accounting is the language of business, providing a framework for capturing business transactions.

Defined as "the process of identifying, measuring, and communicating economic information to permit judgments and decisions by users of the information", Accounting can sound pretty dry. In reality, learning how to interpret the true story behind business financial information is exciting and invaluable to the future of your career.

Basic Financial Accounting will show you how the accountant thinks about transactions. This knowledge will help you decipher the risk behind a financial statement.

The skills you will attain:

  • Define and apply financial and managerial terms
  • Summarize financial concepts and principals
  • Analyze, record, and report transactions
  • Use cost information to support operating decisions and strategic decisions regarding customers

There is a story behind every financial statement. Find out if that story is good or bad by attending Basic Financial Accounting.

Begins Wednesday, February 21, 2007
Every Wednesday Night for 10 weeks
6:00 pm – 9:00 pm

CMA Member $525 per person
Non Member $575 per person

Steven Engineering
230 Ryan Way
South San Francisco, CA

Click here to download the Registration flyer.

CMA New Member – Riffe International Inc.


This is exciting! From the RIFFE website:

"JAY RIFFE was ten years old when he started spearfishing off the Southern California Coast with a hand spear. At age fifteen he was spearfishing competitively, and by age twenty-two became the Pacific Coast Champion. Jay then placed in the Nationals, landing a spot on the World Spearfishing Team. Later, he set three World Records… all with his own handcrafted spearguns.

Early on, this one experienced diver saw a need for spearguns that are silent, powerful, accurate, and highly maneuverable. So Jay Riffe combined his professional machine tool engineering with his passion for spearfishing to create 4 different series of spearguns comprised of 41 distinct models of ergonomically designed, handcrafted teak and metal spearguns of unsurpassed quality and optimum performance.

RIFFE INTERNATIONAL, INC. has earned the reputation for building a premier speargun for the Silent Hunter. Today, RIFFE is proud to offer their customers, not only the most advanced speargun, but a variety of diving accessories supporting all levels of diving. Our goal is to continue producing the highest quality products for the diving enthusiast."

"Selective divers set their sights on only those few prize game fish they will enjoy bringing home"

Keys to Selling Internationally – Webinar 2/1/07

Is your company doing more business outside of the U.S.?  Do you have questions about the financial risks and opportunities involved?  Do you want to expand your professional credit and collections expertise in to the international arena?

If the answer to any of these questions is yes, you should attend this Webinar.
You can take advantage of PNC’s extensive international expertise by joining Alan Andrews, as he offers insights and explores financial strategies that support international business development. Learn about financial strategies that many successful companies have used, including:
•        Export strategies
•        Mitigating currency and payment risk
•        Growing your company by working with organizations like the U.S. Department of Commerce and the Export-Import Bank

At the conclusion of this Webinar session you will have learned:
•        How successful companies enter new global markets
•        How to ensure payment for your goods and services overseas
•        Understand  the best ways to manage currency risk
•        Understand the growing market opportunities of doing business internationally

To sign up for this webinar log into anscers.com and click the Events tab.

CMA New Member – Anthony International


"Providing Merchandising Systems to the World" is Anthony Internationals’ goal.

From the Anthony International website:

"Our purpose is to provide you with the most state-of-the-art merchandising
system on the market; so superior to anything else you can find that you will
not even notice it. It is our job to make sure all your customer notices is the
merchandise you are selling, not our doors.

AI doors and merchandising
products are immediately available, and we also specialize in creating
customized products for clientele with specific needs. Our unique designs are
utilized in warehouse clubs, grocery stores, floral shops, deli cases, meat
counters, convenience stores, drug stores and ice cream parlors."

CMA New Member – McFarland Door Mfg. Co.


From the McFarland Door Website:

"Over 25 years ago, Michael McFarland began crafting custom
cabinets in his mother’s garage. He began with the simple motto "a good product
for a good price."

In 1979, he incorporated and within a few short years,
McFarland Cabinet Co., Inc. had established itself as one of the top cabinet
makers in the greater Los Angeles area. The March 1989 issue of Los Angeles
Magazine cited McFarland Cabinet Co., Inc. as "one of the best handymen in town
and highly recommended by both professional craftsmen and satisfied customers."
McFarland’s cabinet work was also featured in various issues of the prestigious
Architectural Digest. McFarland’s designs were both elegant and

In 1988, McFarland expanded into door production. The
quality of his door products afforded him a ready market and within two years,
plans were made to sell the cabinet shop and focus full-time on door

In late 1990, McFarland pioneered a Lakeview, Oregon weed
patch into a six acre industrial plant site. In January 1991, McFarland Cabinet
Co., Inc. became McFarland Door Mfg. Co., Inc. and officially relocated to the
Goose Lake Valley of Eastern Oregon. The fine craftsmanship and public
recognition that made McFarland cabinets a household name now characterizes his
door lines as well. The original 6,000 sq. ft. door plant with ten employees
grew to 11,000 sq. ft. with 40 employees in just 2 1⁄2 years. The Lakeview,
Oregon door plant is accessible to all major western trade cities. Spokane,
Boise, Portland, Salt Lake City, Sacramento, Southern California, Reno and
Carson City are all within one day’s delivery.

Through his many years of industry experience, Michael
McFarland has evolved to become both a gifted craftsman and innovative
businessman. His knowledge of wood and wood products and market demands has
allowed him to build upon his original motto and offer superior quality at
competitive prices."

CMA New Member – Kavlico Corporation


Kavlico Corporation is a leading U.S. manufacturer of OEM sensors and transducers for pressure, position, force and related systems. Founded in 1958 by Fred Kavli, Kavlico began its operations in Van Nuys, California. Presently, Kavlico’s nearly 300,000 sq. ft state-of-the-art manufacturing facility and world headquarters is located in Moorpark, California on more than 40 acres.

Burbank Seminar – Nuts & Bolts of Liens, Bonds, Stop Notices & Claims


What is a mechanics lien and how to file a pre-lien. Difference between private and public works project. Completing and submitting the 4 different lien release forms. The stop notice remedy.
Payment bonds and Miller Act bonds. Intent to lien remedies.

This is going to be a hands on session where you will learn to:
Complete and file preliminary forms
Complete and file lien release forms
Complete and file intent to lien and bond forms

Tuesday, February 13, 2007
9:00 a.m. – 4:00 p.m. (PST) (Continental breakfast 8:30—9:00 am)

Holiday Inn
(Burbank Media Center)
150 E. Angeleno
Burbank, CA

Continental breakfast and a boxed lunch will be provided.

CMA Member $199 per person
Non Member $299 per person

Download the registration flyer, click here.

Managing Credit for Profitability


Nanette Rodarte, Credit Manager with Pacific Earth Resources (Pacific Sod) has been interviewed and published in the Jan/Fed 2007 issue of TPI Turf News.

Pacific Sod has been a member of CMA for many years, and Nanette regulary attends the Western States Landscapers and Nursery Group meetings.

Click here to download Nanettes’ advice on Managing Credit For Profitability.

"Years ago a very smart lady, Beth Rogers, told me, ‘I had to give the customer the opportunity to go bad’, when extending credit and I have never forgotten those words" Nanette Rodarte

Congratulations to Nanette for implementing a successful operation at Pacific Earth Resources and for sharing your credit secrets with us.

CMA Members’ Yellow/Red Sales Idea Published


Louise McCracken from Foxhollow was the subject of the published Case Study in "What’s Working in Credit and Collections" January Issue.

Here is her message to Cheryl Hammond and a link to the published Case Study which is invaluable to all members.

Congratulations Louise, CMA is proud to have you as a member!

"Hi Cheryl…

        Thought you would like to see this.  It is related to credit and collections.  Probably something you can post on the CMA web site or mention it in a newsletter or something like that…

        I filled out a questionnaire from a monthly publication we subscribe to called “What’s working in Credit & Collections.”  One of the editors responded and conducted an interview in relation to the monthly yellow/red alert schedule I distribute every month.  This was before the Holidays and I forgot all about it.

        Received the January issue of the publication yesterday and found myself published.  Copy of the article is attached.  Does that mean I am entitled to bragging rights?  LOL just kidding.  I am so jazzed, had to share the information.

        Is it possible to post this article on the web site so the Sales Force has an opportunity to gain some insight and perspective with the “nuts and bolts” in Accounts Receivable?  Please advise.

Kindest Regards,

Louise E. McCracken
Sr. Accounts Receivable Specialist
Redwood City, California, USA"

Credit Executive of the Year Nominations

CMA Business Credit Services is now accepting nominations for its Credit Executive of the Year Award. Any nominations received through March 31, 2007 will be considered. The selection will be presented at the Association’s Annual Meeting in April. Please nominate your candidate by letter, by telephone or at an Industry Credit Group Meeting. The selection committee will consider anyone nominated in any fashion whatsoever. The Association will obtain each candidate’s qualifications, by contacting the candidate directly. Click here to download the Nomination form in Adobe PDF format.

CMA New Member – JAE Electronics Inc.

"Ever since it was established in 1953, Japan Aviation Electronics Industry, Limited has operated with the corporate philosophy, "Explore, Create, and Practice" and in the process, it cultivated a high level of technological expertise.

JAE’s diverse products include electronic devices from connectors to aerospace electronic equipment, optics-related products, and various other types of machinery and equipment to meet the customers’ needs." from JAE Chairman & President Message

JAE sells electronic connectors and aerospace products, sales for 2006 exceeded 126.3 billion yen. To find out more about CMA newest member JAE Electronics, Inc, click here.

CMA New Member – Jasan Fabricated Glass, Inc.

Jasan Fabricated Glass located in Los Angeles, CA joined CMA Membership base in December 2006.

They perform glass fabrication and sell glazing products. Ashley Hong is the Credit Manager at Jasan. Ashley was referred to CMA by Edwin Arkin at C.R. Laurence, Inc. Edwin will be receiving a $25 Target GiftCard from CMA’s Member Referral Campaign. To find out how you can participate in the Member Campaign click here.

CMA New Member – Hochiki America Corporation

Because of several resort fires which claimed many lives around the world, the leading members of Japan’s insurance industry founded the Hochiki Corporation in 1918. The Hochiki Corporation undertook design, manufacturing, installation and maintenance of fire alarm systems and produced in excess of 3.5 million units each year.

Our sincere desire to “offer highly reliable  disaster-preventive systems that assure safety and security” was crystallized into a comprehensive Fire Test laboratory of the 120m-long, it is the longest laboratory building in the world.

Click here to visit Hochiki’s website.

Jennifer Yanagi manages Hochiki’s Credit and Accounts Receivable from their Buena Park, CA office. Jennifer was referred to CMA by Linda Eurton and Vickie Silverman longtime members of CMA and CFDD. Thanks ladies!

CMA New Member – Novellus Systems, Inc.

Founded in 1984, Novellus Systems Inc. is a leading supplier of chemical vapor deposition (CVD), physical vapor deposition (PVD), electrochemical deposition (ECD), chemical mechanical planarization (CMP), ultraviolet thermal processing (UVTP), and surface preparation equipment used in the manufacturing of semiconductors.

Novellus is headquartered in San Jose, CA. The company maintains engineering & manufacturing facilities both San Jose and Tualatin, Oregon, and has sales and service operations in 16 countries around the world to support a global customer base.

Phyllis Miller is Novellus’ Director of Credit and Collections and she was previously a member of CMA at another company.

Click here to visit the Novellus website.

Online Financial Statement Analysis class starts Jan 22

The starting dates for the Financial Statement Analysis class have been moved to January 22 for orientation and January 23 for the first class. This gives you another opportunity to register for a class, that is sure to expand your career and increase your companies cash flow. Click here to download the flyer.

The emphasis of this course is on analyzing financial statements issued by companies using a variety of analytical techniques in order to understand the customer’s financial condition so that appropriate decisions can be made regarding the customer’s credit standing. Required text: “Understanding Financial Statements, 7th Edition,” by Lyn Fraser (text included in course fee).

Las Vegas Member Orientation Jan 12

Las Vegas Members: Join us for a member orientation and learn how to maximize the value of your CMA Membership. CMA has services ranging from business credit reports to commercial debt collection. Our services can help protect your sale until it becomes cash in the bank.

During the Member Orientation we will cover:

  • CMA’s products and services
  • anscers.com, CMA’s services on the web
  • FREE offerings from CMA: Encyclopedia of Credit and anscers Community
  • Networking and Educational Events

Friday, January 12, 2007
8:00 a.m. –  9:30 a.m. (PST)

Las Vegas Office
3110 W. Cheyenne Ave Suite 100
North Las Vegas, NV 89032

Continental breakfast.

Download the Member Orientation flyer and fax in your RSVP, click here.

Happy New Year ??

From Roy Stout, CMA Chairman of the Board

As I prepare to move forward with my planning for the year 2007, I wonder what direction our economic fortunes will take us this year.  It seems as though each article I have read has a different outlook or a similar outlook with a different twist.  Several CFO and other credit professionals that I have spoken with on this subject provide a similar pattern of opinions.  Each person seems to have a slightly different take on what the year 2007 has in store for us.  But my best guess at this point is, as the attorneys say, “well it depends”.

After digesting all the material that I have read and the opinions (solicited or unsolicited) that I have received, I would have to say that at least most authorities predict the changes will be moderate in nature.  Some people feel that we will experience a slight but important downturn in the economy.  But more people think that the economic growth will continue but at a much slower rate than in the past few years. 

My personal observations and projections (I hope nobody holds me to this) are that sales and revenues, much to my surprise, will continue to grow at a strong and steady pace.  There will be many more new customers with significant requests for increased availability of credit.  But I also feel more small businesses and financially challenged businesses will experience dramatic setbacks or complete failure.  I feel that the number of new Bankruptcies will rise notably in 2007. This, unfortunately, will be followed by an increased rise in bad debt losses.  These predictions will put an increased amount of pressure upon all of us to be at the top of our game.

In the early fall, I read several articles which stated that most CFO’s were budgeting for increased staffing in accounting personnel and specifically in credit and collection positions.  This would seem to be consistent with some of the ideas mentioned above.  But I noticed that as the end of the year approached, those same CFO’s reported that they had reduced their original projections for hiring in 2007.  Although they still planned increases in credit and collection staffing, it would be on a much smaller scale than originally predicted.  I also recently read that hiring of mid to upper level managers in the credit and collections field would be flat or possibly down slightly.  I am not sure I know what this information is trying to tell us. 

I am also very aware that the predictions continue to be that the traditional credit manager’s role is dramatically changing.  I think the prognosticators are right on the money with this prediction.  “Even when you are on the right track, going the right direction, if you are not moving forward, you will get run over.”  Education and training will be more critical than ever.  Don’t get left behind. Make sure you keep us at CMA informed of your needs.  We will do everything in our power to help you keep on the forefront of changes in our profession.   

I can’t help but think that the recent mid-term elections will be a factor in the economic conditions of 2007.  I think the election results have already been somewhat factored into the economic forecasting.  Unless something totally unexpected happens, I think a lot of the effect of the elections may have been already absorbed and they may not be a very big factor.

The biggest factor for the nation’s and the world’s economy has to be the Iraq war.  Unfortunately, the war is also the biggest wild card.  I can’t imagine what the future hold for everyone in that part of the world or what effect it will continue to have worldwide.  With Saddam Hussein execution this past weekend, I have to believe it is going to be a whole different ball game. 

I just know that I hope the very best outcome for all of the men and women who are in harm’s way as they serve their country in Iraq.  I have the same high hopes and best wishes for all the Iraq citizens who are working so hard to have a normal, peaceful life in a very troubled area.  As I celebrated the New Year this past weekend, I couldn’t help thinking wouldn’t it be wonderful if 2007 was the year that we finally achieve worldwide peace.

Until our paths cross once again in this New Year, have a prosperous and emotionally rewarding 2007.

CMA Offers Online Financial Statement Analysis Class

CMA is pleased to announce our next online Financial Statement Analysis Class. The class will start Tuesday, January 9, 2007, and will be held each week from 5:00 pm – 6:00 pm. There are 6 lectures and one week for the online midterm exam. There is a mandatory training session scheduled for Monday, January 8, 2007 – details will be sent with course confirmation. Space is limited to the first 20 students registered so sign up today. If you’re interested in listening to a live lecture from our Beta Class, let me know and I’ll send you a link. Call me at 510-346-6000 Ext. 221 if you have any questions.

CMA will also be offering a scholarship to this class.


Jodi Owens, Education Team Leader

Our Holiday Wish For You

My Holiday wish for you, my friend
Is not a simple one
For I wish you hope and joy and peace
Days filled with warmth and sun

I wish you love and friendship too
Throughout the coming year
Lots of laughter and happiness
To fill your world with cheer

May you count your blessings, one by one
And when totaled by the lot
May you find all you’ve been given
To be more than what you sought

May your journeys be short, your burdens light
May your spirit never grow old
May all your clouds have silver linings
And your rainbows pots of gold

I wish this all and so much more
May all your dreams come true
May you have a Happy Holiday friend
And a Happy New Year, too ..

adapted from a Indian Poem "My Christmas Wish For You" from Indianchild.com

2006 CMA Employee of the Year – Amber Jackson

Amber Amber began her career with CMA in 2004 as a clerk, and in a very short time, acquired the skills to accurately and professionally assist members with construction forms requests and other service issues. She has taken it upon herself to learn the lien laws in the various states CMA services, and she continues to be a guiding force in the Forms Filing Department. As she became more comfortable with all of CMA’s services, Amber took on additional customer service responsibilities providing friendly support for Las Vegas members.

In March of this year, Amber was promoted to the position of Account Executive, and in such a short time in new position, her performance has been impressive. Amber’s colleagues have praised her dedication and dependability, and have called her enthusiasm contagious. A great team player and all-around nice person, CMA is pleased to present Amber Jackson with the CMA Employee of the Year Award for 2006.

Pictured above: Kim Lamberty, Amber Jackson, and Michael Mitchell

CMA New Member – Barth Roofing

Welcome new CMA member Barth Roofing. Located in Tracy, CA Barth Roofing is a family run business whose principals William and Angela Barth have over 24 years experience in the roofing business. Visit their website to learn more, click here.

Barth Roofing was referred for membership by Deanne Barth of Aerie Inc in Lodi, CA also a member of CMA. Deanne your $25 Target GiftCard is on its way, thanks for the referral.

Do you want a $25 Target GiftCard? click here

CMA New Member – International Supplies

Welcome new member International Supplies. They distribute photographic supplies and equipment. Terrie Gatewood is their Director of Credit and Collection. Visit the website, click here.

About International Supplies:

In 1984, David Golshirazi founded International Supplies to distribute film to photographic retailers and resellers across the United States. Today, we employ about sixty people and distribute a wide variety of photographic and digital imaging equipment and expendables to thousands of customers.

International Supplies has become one of the largest photographic still film distributors in the United States. In addition to being exclusive distributor for ORIENTAL Photo Papers in North and South America, the company is a highly efficient marketing and distribution agent for companies such as Fuji, Fuji-Hunt, and Polaroid. In fact, we are the largest distributor for Fuji and Polaroid west of the Mississippi.

The company sells to photo retailers and photo labs across the United States. Product categories sold include photographic film, paper, chemistry, batteries, digital equipment, accessories, and media in both small and large formats, as well as items in numerous other categories. We’re always working to expand the line of relevant products we can offer our customers.

In addition to traditional film-based products, International Supplies has been a marketing pioneer in the field of digital and applied imaging. We have developed a strong digital distribution channel, now teaming with Canon, Nikon, Sony, Minolta, Olympus, Epson, Imacon, Contex Scanning Technology, Lexar, Microtech, and others. Our goal is to become the number one distributor for each manufacturer represented in this field. As an example, International Supplies began marketing the Fuji Pictrography line of digital color printers approximately three years ago. Today, we are the leading distributor of Pictrography printers and supplies to retailers and value-added resellers in the United States.

As the 21st century develops, International Supplies is determined to grow by becoming the most knowledgeable and progressive distributor of imaging supplies and products in the US still photographic market. In November of 2001, International Supplies established a channel of independent regional photo sales representatives, contracting with some of the best people in the photographic business. By combining our experience in marketing to photo/digital retailers, with our team of strong, experienced representatives in the field, we have become the premier distributor in the photographic industry.

CMA Relaunches Bankruptcy Alternatives website

CMA has recently redesigned the website for our Adjustment Bureau. CMA’s Adjustment Bureau helps companies avoid filing Chapter 11 and/or Chapter 7 bankruptcy using out-of-court reorganizations or general assignments.

In all cases, avoiding bankruptcy court puts more money back in the pocket of the creditors who would normally be close to the last on the list in a bankruptcy payout.

Please visit our newly launched site. Click here.

FCIB Working Seminar – Incoterms, Letters of Credit and UCP600

Workshop – Limited Class Size
Register Early to Reserve Your Spot

Early Bird Rate Available Until 12/31/06

This workshop is a must for professionals involved in export sales, including credit, finance and documentation preparation.  It will give you an insight into the world of international trade transactions by providing practical understanding of Incoterms, Export Letters of Credit and the new rules governing them ("UCP 600"), which enter into force on July 1, 2007.  It all relates to your business.

Join us this year in Lake Las Vegas to enhance your understanding – share your experiences – work on case studies and real life situations.  This intensive workshop will provide business guidance you can rely on – delivered by experienced, highly successful practitioners. Speakers will share their first-hand knowledge with the attendees.

FCIB Working Seminar
Incoterms, Export Letters of Credit and UCP600

January 24-26, 2007
Montelago Village Resort
Lake Las Vegas (Henderson), Nevada

To view the agenda and to register, please click here

‘Tis the season… from Roy Stout, CMA Board Chairman

‘tis the season…

I will let you fill in the blanks.  I suspect each of us has a phrase or two that suits us.  I can think of several:

…to be thankful.

Think of the tremendous support we receive from so many others.  We have the opportunity to work with a lot of terrific people within our companies.  We should be grateful for the support they provide us in accomplishing our goals.  This is a great time of the year to extend acknowledgment and appreciation to as many people as you can for the help that they have given you to succeed at your job.

How about a little something extra in the stockings of those love ones who make certain sacrifices, so that, we can pursue our professional careers?

…to be thoughtful of our past associates.

Think of all the people who have helped shape our lives both personally and professionally.  A short note to keep in touch with those that we have let drop from our day to day activities will reap huge rewards. 

Take a moment to reflect about those who have passed on to realize what they meant to us and to remember how they inspired us.

…to be introspective of recent accomplishments and recent disappointments.

This is where we, as credit professionals, excel.  We always reflect on our numbers every month, every quarter and every year-end (which is just around the corner for a lot us).  But I have often been a proponent of the belief that one is best served by a thorough review of our major disappointments.  For I feel that is where the best lessons can be learned and the greatest opportunities lie. 

This is an excellent season to mend fences with friends, peers, fellow workers or anyone with whom you might not have been the best person that you could have been.

…to think strategically about the future.

Another thing we credit professionals do pretty well.  We never have long to celebrate our successes or mourn our defeats, as time marches on and we need to concentrate on the next month’s collections.  But I think as we approach a new year we need to take a long hard look at everything.

Did you experience personal and professional growth this year?  If not, make that your commitment for the next twelve months. CMA, NACM, CFDD all offer excellent classes, webinars and now on-line courses.  Even educational institutions now offer more relevant courses for our profession.  Get your certification.

Were the goals of your company and your department met?  If not, now is the time to dedicate yourself to the task of meeting those goals during the next year.  If all of the goals were met, then set new and loftier goals.  In my opinion, the accomplishment of something you thought unattainable is among the most gratifying feelings.

Did you have an opportunity to mentor someone?  Another truly rewarding experience.  If not, try to accomplish that this next year.  It is easier than you think.  It can be started as simple as asking one of your peers to attend an industry credit group meeting or a seminar with you or even share a webinar.  The rest is easy because they will realize that someone is interested in their growth and success as a credit professional.

Were you mentored this year?  Seek out a mentor.  There is an overwhelming abundance of information and experience that so many seasoned credit professionals are willing to share with you.  Do not miss this opportunity.

…to enjoy!

So, I hope each and every one of you continues to have a great holiday season with friends and family.  I also hope, like me, you can’t wait to get started on the pursuit of next year’s hopes and dreams.

Until we meet again, enjoy your successes, don’t fret about your failures and keep pedaling as fast as you can.

Profile of CMA Collections Client: VeriSign

This is the first in a new line of posts from CMA, highlighting companies that use CMA’s Collection Division.

VeriSign Inc., a company that did not exist until 1995, is now an invaluable component of the Internet landscape.

"VeriSign Inc (NASDAQ: VRSN) operates intelligent infrastructure services that enable and protect billions of interactions every day across the world’s voice and data networks.  Every day, we process as many as 18 billion Internet interactions and support over 100 million phone calls. We also provide the services that help over 3,000 enterprises and 500,000 Web sites to operate securely, reliably, and efficiently. VeriSign is a global enterprise with offices throughout the Asia-Pacific region, Europe, Latin America, and North America, supported by a widespread international network of data centers and operations centers."

Michael Puccinelli, CCE, Credit and Collection Worldwide VeriSign, heads a large and diverse credit and collections operation.

Michael has been in the Credit and Collection field over 30 years, and at VeriSign for the past 4 years. He has spent 20 years in the high-tech area. Currently Michael is responsible for Credit and Collection Worldwide for VeriSign.  His career has taken him to Chicago, New York, and since 1991 back to the San Francisco Bay area.

His NACM affiliations date back to 1976. Over the years he has been a member of NACM Tampa and CMCMA in Chicago. Currently VeriSign is a member of CMA Business Credit Services and NACM Southwest out of Dallas.

Michael has also given back to his profession, as an instructor for CMCMA, CMA and UC Extension.

Always active in NACM, he has been a Chairman of many credit groups over the years, a member of the Board of Governors for CMA and CMCMA and a Board member of the old Board of Trade in San Francisco "for anyone old enough to remember".

His participation on Creditor’s Committees for Chapter 11 reorganizations have kept his companies well educated about expected payouts. His most recent committee was the Birch Telecom committee in Delaware.

Michael currently sits on the Oracle Credit and Collection Focus Group. 

A native of San Francisco, Michael has been married to his sweetheart Amy for 30 years. They have two children and two grandchildren.

Michael received his BS in Finance at the University of California, Berkeley and he completed the Graduate School of Credit & Financial Management GSCFM at Dartmouth.

Special thanks to Michael Puccinelli, CCE for allowing us to profile you and your company. If you would like to know more about VeriSign and their services click here. To learn more about CMA’s Collection Services click here.

In The (Red): The Business Bankruptcy Blog

From: J. Michael Kelly
Cooley Godward Kronish LLP

I wanted to let you know that my partner, Bob Eisenbach, launched a new blog a few months ago called In The (Red): The Business Bankruptcy Blog, that might be of interest to CMA members and others. The blog, found at www.businessbankruptcyblog.com, is written as a way for credit managers, CFOs, in-house counsel, and others to stay informed about business bankruptcy issues and evelopments.

Note from CMA: We have taken a Look at In The (Red) – and there is very valuable information for CMA Members in there. Click through and take a look.

Member Holiday Party – So Cal

strong>CMA’s Annual Holiday Member Luncheon

Celebrate the Holiday with CMA Members and Staff at our Annual Holiday Member Luncheon. Bring your staff, invite your boss, and have a fantastic afternoon of networking, great food, raffle prizes and for entertainment we will have The Voices of Christmas.

Friday, December 8, 2006
Quiet Cannon Restaurant
901 N. Via San Clemente
Montebello, CA 90640
(213) 724-9284 (off the 60 freeway at Garfield)
11:00 am – Reception, no host bar
12:00 noon – Luncheon
1:15 pm – Quartet of Carolers

Delighting audiences since 1989, THE VOICES OF CHRISTMAS is a wonderful group of highly talented, professional singers, each of whom is a solo performer in his or her own right. Our Christmas Carolers come dressed in Dickens-style costumes with a repertoire of almost 80 songs, THE VOICES OF CHRISTMAS perform both traditional and contemporary carols a cappella. Our Christmas Carolers are the finest in the Los Angeles area.

Download the Reservation Flyer – click here.

CMA Board Looking for Candidates

As a member driven organization, CMA Business Credit Services needs enthusiastic minds serving on our Board of Directors.

Each year we offer you the opportunity to identify yourself or someone else as a Candidate for CMA’s Board of Directors.

CMA’s Board is the decisive voice that establishes the future of this membership organization. Serving on the Board gives you the opportunity to create a supportive future for CMA Member companies and all their related staff.

Please download our Candidate Nomination and Candidate Application Form to express your interest or nominate a peer.

Glimpses into CMA’s History in Pictures

We found a large box of old black and white photos dating back to the late 50’s showing the history of CMA. I am working on scanning many of the photos. Here are a couple to wet your appetite:

Voice_of_gavel The original "Voice of the Gavel" presentation, demonstrating a debtors unwillingness to release information even when under pressure in court.

There was no date on the back of this picture. It almost looks like a scene out of Casablanca.

Cma_history_party Here is a picture of a "Hawaiian Luau" event. Everyone is seated according the their Industry Credit Group. The groups would have contests for table centerpiece decorations.

In other pictures showing Christmas and Annual events some of these centerpieces were very creative. I will scan some of those pictures as soon as I can.

We are also working on ideas on how to use these pictures to market CMA. If you have any thoughts please comment on this post. These pictures are a great testimony to the strength of our association over time.

Special Note: There are also some awesome pictures of Los Angeles during this time period. I will scan and post those in a separate folder for those LA Historians out there.

Customer Visits – NACM Teleconference

Date: Wednesday, November 8, 2006 3:00 – 4:00pm eastern Cost: $59.95 per line 

Presenter:  Susan Delloiacono, CCE

Customer Visits 

best source of information about a customer is the customer itself, and
nothing helps the understanding of the customer more than visitation.
Through visitation, a thorough understanding of the customer and its
operations aids in credit risk management, provides goodwill and can
improve the company’s competitive edge with its customer base. The
credit department can realize significant value by participating in
visits and meeting with key individuals. During this session, you’ll
learn how to prepare for a visit, what to look for and inquire about
during a visit, how to build stronger relationships with customers, and
the importance of follow up after the customer visit.

To register click here.

Midterm Thoughts from Roy Stout, CMA Board Chairman

Well, here we are in the 4th quarter of 2006.  How and the heck did that happen?  It seems like yesterday I was examining the results for 2005 and dreaming of great successes for 2006.  Am I going to accomplish what I thought I would?  I believe my answer is, well, sort of.  How about you?

I started my rush towards the finish line-fiscal close December 31st-by Getting on Track at the Western Region Credit Conference, did you?  This is an annual event that I always anticipate attending with a great deal of excitement.  Although I renewed acquaintances with friends from as far away as Florida, there always seems to be a feel of regional hominess to this particular conference. 

I believe a great deal of the credit goes to our Las Vegas Team who went out of their way to greet everyone with bigger than usual smiles and hellos.  They were also very helpful in getting you where you belonged.  I would like to thank Kim Lamberty and all her terrific volunteers who contributed their time in the days leading up to as well as during the actual conference.  You guys made us feel as though Las Vegas was our second home and contributed greatly to such a well run conference.

Jodi Owens and her committee of volunteers did a great job of planning the conference:  by setting the curriculum; establishing the time and venue (which I believe worked out rather well); securing the speakers and vendors; and above all the successful marketing of a very good credit conference.  Thank you very much, Jodi, you and your crew deserve a big round of applause.

We truly appreciate all the vendors, for without their sponsorship this caliber of credit conference would be impossible.  I hope everyone had the chance to visit with them and sample the fine products and services that they offered.  These products and services definitely make our jobs as credit professionals so much easier.

Let’s not forget the presenters who took their time to prepare and present their materials.  This is no easy task, but it is quite rewarding.  I know that there were people in every session who took home some new thought, idea or even a best practice that they will use in this coming year.  Thanks to all of you for presenting a fine curriculum of varied topics.

Did I mention we are already working on next year’s conference?  We are and we would love your input.  If you attended this year’s conference, tell us what you liked that we should keep; what you didn’t like that we can improve or replace; and what you did not see that you would like to see.  If you were unable to attend this year’s conference, tell us what we can do to get you there next year.  Remember this conference is designed with you in mind, so please let us know what you think.  Next year’s conference will be our 20th year anniversary and we want to have an extra special event for you.  It will be in Las Vegas sometime between September 15th and October 15th.  The exact dates and venue will be determined soon and we will let you know as soon as we know.

As I begin the second half of my term as your chairman, I would just like to say that I am having a blast.  I have been working on a wide range of projects to continue to make CMA Business Credit Services, the largest Affiliate of the National Association of Credit Management, the very best it can be.  It has been a real pleasure for me to work with the group of dedicated professionals serving as your Board of Directors, to interact with our enthusiastic hard working staffs in Burbank, San Leandro and Las Vegas and to be engaged with the fine group of Officers that manage the whole process.

We all believe we have made some significant although subtle changes which will provide for our association’s success for the foreseeable future.  We hope you agree.  And whether you do or don’t agree, please let us know because it is all about you.  I, for one, love to hear  from you.

Until our paths cross again, don’t let the ghouls of bad debt get you and have a spirited Halloween.

Construction Lien Webinar – View PowerPoint

Construction Lien 101 webinar on October 19 at 9:00 Pacific Time.

This Webinar will provide an overview for the novice of the various liens available to contractors, subcontractors and material suppliers. Participants will gain a basic understanding of what tools are available to assist in collecting amounts owed to their company for labor and materials supplied to a work of improvement. This entry level Webinar will provide participants with a brief history of the evolution of liens and the features unique to each lien. As an attorney Shaaron Bangs has a wide range of construction industry experience, representing clients, serving as a Judge ProTem and Arbiter and conducting numerous seminars. In this valuable Webinar she will discuss how to use the various tools to your best advantage." Anyone who has recently been given responsibility to collect from Debtor’s in the construction industry will benefit from this session.

Log into anscers.com and click the EVENTS tab to register.

Demetria is “Back on Track” after the Conference

Email from Demetria Tolefree from Chronicle Books. Demetria won a scholarship to the 19th Annual NACM Western Region Credit Conference.

"Thank you so much for this opportunity, it was an absolute a great time. I enjoyed the variety of classes offered and I felt that I was able to choose what was best for me. This is a wonderful event and it did inspire me to do some alternative thinking in the way I can interact in future credit conferences. Just as I’d imagined, I’m back on track!"

What You Need to Know about Credit Insurance – WEBINAR

What You Need to Know about Credit Insurance.

October 17, 2006 9:00:00 AM to 10:00:00 AM PST
Pricing: $65 CMA/NACM/GAIN Members, $85 Non-Members

There will always be companies that default on their payments to vendors or file for bankruptcy protection. No matter how wonderful we feel (or the Sales Department feels) our customer is, a creditor may never know what future circumstances will diminish the customer’s ability to pay. Accounts Receivables (Credit) Insurance is an indispensable credit risk management product reducing risk in an unpredictable marketplace.

This Webinar will be of value to credit, financial or sales professionals who want to learn the basics of credit insurance and how using credit insurance may help their company.

Specifically the speaker will cover:

  • Protecting Accounts Receivable from bad debt loss
  • How credit insurance is priced
  • How claims are settled
  • How credit insurance can be used to expand sales
  • Enhancing financing options
  • Compliance with Sarbanes-Oxley

If you are not familiar with credit insurance or just need a quick review, please join us for what will be an enlightening presentation. The session level is Basic/Intermediate and is part of the Risk Management Track.

Log into anscers.com and click on the Events tab to register.

Improve Cash Flow – Webinar Tomorrow

Improve Cash Flow Through Automation WEBINAR
October 12, 2006 9:00 am to 10:00 am Pacific Time
CMA Daily News readers get a special bonus. View the PowerPoint presentation for this webinar by clicking here.

What stops an order from being paid at your company?

For most, ineffecient operations that lack automation and integration for order-to-cash management are the major blockage point. In this webinar, you will learn how companies are addressing these challenges.Companies of all sizes are using an integrated approach that embeds policy, automates processes, and drives workflow with online portals for internal and external collaboration.

This new operations approach results in:

  • Increased Productivity of Credit Operation
  • Collaboration Between Credit, Sales, Customers, A/P and Treasury
  • Reduced Dispute Cycle Time and Volume
  • Mitigated Corporate Credit Risk
  • Improved Customer Relationships

Attend the Improve Cash Flow Through Automation webinar then take a hard look at what stops an order from being paid at your company. Learn strategies you can implement right away that will increase cash flow.

To register for this Webinar log into anscers.com and click the Events tab.

Credit Career Counseling

C3_booth You might not be at the Get On Track Conference, but that doesn’t mean you need to miss out on one of the best benefits in the EXPO Hall, Career Credit Counseling.

Are you on track for NACM Professional Designation? To find out download and fax back our information flyer and Cheryl Hammond will contact you and show you exactly where you are on your track for accreditation.

Click here to download.

Standing Room Only for Michael Dennis Presentation at the WRCC

It seems everyone is interested in 20 Ways to Become a More Successful Collector Starting Tomorrow. The room is full as Get On Track Conference attendees learn more tools to make them successful collectors.

Michael Dennis’ session includes: Examples of how to be a more effective leader; Tips on controlling credit risk; Ideas on accelerating cash inflows; Suggestions on managing deductions more efficiently; Examples of ways to be seen as proactive rather than as reactive; Tips on dealing with stress more successfully; Ideas for more effective prioritizing; Learning to do what your manager considers important and providing information your manager considers essential; Examples of early warning signs of customer financial weakness; Tips on what to look for in customer financial statements; Suggestions on handling belligerent customers and antagonistic salespeople; and The do’s and don’ts of debt collection Got6 Got7

Get On Track Conference Registration Desk Pics

The 19 th Annual Western Region Credit Conference has started and here are the first pictures of our Registration Desk.

Over 30 attendees are in the Basic Financial Accounting session with Gyan Maharaj, They are running through Journal Entry sheets faster than we can get them copied.

Here are some pics of the staff at the Registration Desk. Debra Davis, Amber Jackson, Jodi Owens, Cheryl Hammond, Dina Amadril and Raul Mendoza (without his mustache – it is a whole new Raul)

Having a good time and wishing you were here. Make your plans for next year!

Got2_1 Got1



DATE: TUESDAY, OCTOBER 17, 2006 TIME: 9:00 a.m. – 10:00 a.m. (PDT)

Unfortunately all too often companies default on their payments to vendors or file for bankruptcy protection. Various factors may be the cause: Management deficiencies, financial restructuring, regulatory changes, product liability exposure, legal maneuvering, political upheaval, or even, as recent history has proven, regional natural disasters. No matter how wonderful we feel our customer is, a creditor may never know what future circumstances will diminish the customer’s ability to pay. Accounts Receivables (Credit) Insurance can be an indispensable credit risk management product reducing risk in an unpredictable marketplace. This Webinar will be of value to credit, financial or sales professionals who want to learn the basics of credit insurance and how using credit insurance may help their company. Specifically the speaker will cover: · Protecting Accounts Receivable from bad debt loss · How credit insurance is priced · How claims are settled · How credit insurance can be used to expand sales · Enhancing financing options · Compliance with Sarbanes-Oxley If you are not familiar with credit insurance or just need a quick review, please join us for what will be an enlightening presentation.

This program is part of the Risk Management Track and the session level is Basic/Intermediate.

Log into anscers.com and click on the Events Tab to register.



DATE: TUESDAY, OCTOBER 24, 2006 TIME: 9:00 a.m. – 10:00 a.m. (PDT)
Credit professionals are actually risk managers. Their goal is not to eliminate risk, but to balance risk in the form of serious payment delinquency or payment default against the reward of selling successfully to both low risk and marginal customers. In this program, we will examine some of the tools that can be used effectively to control credit risk including: · The use of Promissory notes, Personal Guarantees, and Inter Corporate Guarantees · The advantages, costs, and risks of using Letters of Credit to increase sales · The use and abuse of customer financial statement analysis as a risk management tool · Tips and techniques to manage customers identified as high risk · Reducing risk through proper credit investigation and periodic credit file updates · Reducing risk by using a more systematic approach to the credit granting process · Reducing risk by recognizing red flags and responding appropriately to them.

This program is part of the Risk Management Track and the session level is Basic/Intermediate.

To register log into anscers.com and click the Events tab.

CMA Member BARCANA invites you to their Warehouse Sale

Barcana manufacturers ornaments, wreaths, garlands, nativities, palm trees and the most fantastic Christmas Trees you have ever seen.

I went to the warehouse sale a few years back and loaded up on stunning ornaments for the CMA Burbank Offices. If you are in the Southern California area make sure to visit Barcana’s once a year factory warehouse sale. It starts October 14, 2006. The factory will be open to the public Mondays thru Saturdays from 10:00 am to 3:00 am.

Download the information flyer by clicking here.

Special Webinar Event – Success Mastery Series

A three part webinar series starting November 8, 2006.

This series is designed to provide you with the skills to effectively manage work and life challenges in order to be more productive, profitable and happier.  Employees become more enthused and committed by enhancing both their personal and professional development through effective life management tools.  The outcome for the organization is improved morale and higher performance from more skilled and accountable employees.

Click here to download the information flyer.



DATE: THURSDAY, OCTOBER 19, 2006 TIME: 9:00 a.m. – 10:00 a.m. (PDT)
This Webinar will provide an overview for the novice of the various liens available to contractors, subcontractors and material suppliers. Participants will gain a basic understanding of what tools are available to assist in collecting amounts owed to their company for labor and materials supplied to a work of improvement. This entry level Webinar will provide participants with a brief history of the evolution of liens and the features unique to each lien. As an attorney Shaaron Bangs has a wide range of construction industry experience, representing clients, serving as a Judge ProTem and Arbiter and conducting numerous seminars. In this valuable Webinar she will discuss how to use the various tools to your best advantage." Anyone who has recently been given responsibility to collect from Debtor’s in the construction industry will benefit from this session.

This program is part of the Working Capital Management Track and the session level is Basic.

Log into anscers.com and click on the Events tab to Register.

Walk Ins Welcome at Get On Track Conference

The 19th Annual NACM Western Region Credit Conference "Get On Track" is one week away. Starting October 4-6, 2006 in Las Vegas, Nevada. If you have not registered for the Conference there is still time to register online, or even register at the door – walk ins are welcome.

Over 200 credit professionals have registered for this event. The Pre-Conference session on Basic Financial Accounting is almost sold out, and our Rocktoberfest Dinner & Dancing networking event is close to maximum capacity.

We still have room for you and would love to see you at the Get On Track Conference. Click here to find out more information or register for the conference.


DATE: THURSDAY, OCTOBER 12, 2006 TIME: 9:00 a.m. – 10:00 a.m. (PDT)
The management of working capital, particularly accounts receivable, is an important measure of a company’s financial health. Historically, these operations have been highly inefficient due to a lack of automation and integrated systems for order-to-cash management. Attend this educational session to learn how companies are addressing these challenges through the use of automation and workflow technology. Learn how companies of all sizes are using an integrated approach that embeds policy, automates processes, and drives workflow with online portals for internal and external collaboration: · Increase Productivity of Credit Operation · Facilitate Collaboration Between Credit, Sales, Customers, A/P and Treasury · Reduce Dispute Cycle Time and Volume · Mitigate Corporate Credit Risk · Improve Customer Relationships

This program is part of the Performance Measurement Track and the session level is Intermediate/Executive.

Log into anscers.com and click on the Events tab to regsiter.

Effective Collection Techniques – WEBINAR


DATE: TUESDAY, OCTOBER 10, 2006 TIME: 9:00 a.m. – 10:00 a.m. (PDT)
This Webinar will examine a variety of topics linked to effective trade debt collection. Anyone charged with the responsibility for trade collections will gain value from this no nonsense practical approach. Participants will be presented with specific, proven, tools to improve the effectiveness of their collection efforts. This is of particular value to anyone who is new to the field or who wants to add to their technique arsenal. Topics covered include: · Common mistakes made in the debt collection process · How to avoid making bad deals · How to respond more effectively to stall tactics customers may use · How to prioritize your collection efforts · Ways to accelerate cash inflows · Dealing with special or unique collection problems · Ways to improve every collection call you make

This program is part of the Working Capital Management Track and the session level is Basic/Intermediate.

Log into anscers.com and click on the Events tab to register.

Credit Career Counseling at the WRCC

If you want to make sure your Credit Career is on the right track, visit the Credit Career Counseling booth at the "Get On Track" Conference in the EXPO Hall.

Cheryl Hammond, CMA’s Professional Designation Counselor, will be there to help you determine where you stand on your roadmap to Certification and how to take the next step.

Find out more about Professional Designation and Certification by clicking here.

The 19th Annual NACM Western Region Credit Conference (WRCC), October 4-6, 2006 is being held at the Monte Carlo in Las Vegas. For more information on this years conference titled "Get On Track" click here.


DATE: THURSDAY, SEPTEMBER 28, 2006 TIME: 9:00 a.m. – 10:00 a.m. (PDT)

This Webinar will cover the role and purpose of on-site customer visits in the collection and dispute management process. The topics covered are intended for all levels of the credit and collection organization. Have you ever wondered how to justify visiting a customer’s place of business? As a result of this session participants will have a greater knowledge of why customer visits can more than offset costs. We will explore issues that make the visit worthwhile including how to define your objectives, how to enlist the help of the sales organization and pre-meeting preparation and post meeting actions. Participants will be left with techniques to successfully obtain financial statements and how to solicit management’s discussion and analysis. Additionally we will discuss how you can use the customer visit as part of the dispute resolution process and to build ongoing goodwill. Specifically the session will cover: · The cost and benefits of the visit · Who should attend from your company and who you should seek to attend on the customer’s side. · The role of the participants · Rules of etiquette · Transfer of information and policy · Best practices and pitfalls of the meeting

This program is part of the Communication Track and the session level is Intermediate.

Log into anscers.com and click the Events tab to Register.


DATE: THURSDAY, SEPTEMBER 14, 2006 TIME: 9:00 a.m. – 10:00 a.m. (PDT)

Are you buried in paper? Is it time consuming and difficult to get your hands on documentation needed to collect from your customers or to reconcile difficult accounts? Would it be useful to automate the retrieval and sending of invoice and proof of delivery copies to customers who seem to always need them to pay an invoice? Is all this having a negative impact on your collection performance or efficiency? If any or all of these situations is true at your company, you should attend this valuable Webinar. Jeff Haller, an expert in his field, will teach you how an effective document management workflow solution can achieve significant cycle efficiencies within your cash management processes. In this presentation, you will see the A/R document workflow process end to end. This session will walk you through the decision steps for integrating workflow management into your Credit and A/R processes. Learn some common points of efficiency for A/R processes and how to eliminate unnecessary negative impacts on your customer relationships of credit decisions made with less than complete information. Specific situations will be covered including proactive POD and the returns/adjustment process. Learn useful techniques for: · reducing DSO · shortening collection cycles · enhancing customer relationships

This program is part of the Communication Track and the session level is Basic.

Log into anscers.com and click on the events tab to register.


    TIME: 9:00 a.m. – 10:00 a.m. (PDT)
Improving working capital is high on the agenda of most
CFO’s.  Since accounts receivable are a major working
capital component, savvy credit pros are in a perfect
position to leverage their knowledge of the quote-to-
cash process to improve working capital management
and increase their influence throughout the enterprise. 
This workshop will provide an introduction to the
principals involved in Financial Supply Chain
Management (FSCM), outline the value proposition for
improved working capital management, and identify
specific opportunities for credit pros to participate. 
This is an introductory course for anybody wanting to
gain a solid overview of FSCM and the role credit
management can contribute.  The following will be
· CFO Survey Results
· A Definition of FSCM
· Principal Components of FSCM
· The Cost of Paper vs. Automated Processes
· Expanding Credit’s Role in FSCM

This program is part of the Working Capital
Management Track and the session level is
Basic/Intermediate. This is the first of a three part
series covering all aspects of "Financial Supply Chain

Log into anscers.com and click on the Events tab to Register.


TIME: 9:00 a.m. – 10:00 a.m. (PDT)

This Webinar introduces a six step process of value to
both novice and experienced collectors. The session
will cover how to develop a “psychological” advantage
over collectors from other companies trying to collect
money from your customer. In today’s environment,
when money is scarce, you need a competitive
advantage to get paid first.
Phone Power Collections details a six step proactive
process that will put you at top of the priority list for
payment. Specifically the session covers:
1) Re-collection Planning
2) Professional Conduct
3) The Collection Statement
4) Customer’s excuses
5) The rebuttal
6) The follow-up
Within each step there is an explanation of common
sense and psychological advantages to put you on the
top of the paying list. Don’t be an ordinary collector.
Be a collector that stands out in a positive way, so you
always get paid first in an environment of scarce cash.

This program is part of the Working Capital
Management Track and the session level is Basic.

Log into anscers.com and click the Events tab to register.

Basic Financial Accounting Classes

They start next week – but it is not too late to sign up. The 10 Week courses in Basic Financial Accounting meet once a week in two locations: Turlock, CA and North Las Vegas, NV.

This course provides students with a fundamental understanding of introductory accounting and procedures for recording transactions. This course provides the building blocks for understanding financial statement analysis.

Be Careful Out There

From Roy Stout, CMA Board Chairman

My parting advice to you last month (in CMA News) was to “…stay healthy, happy and out of trouble.” I spent some time this last month thinking about that very last comment. I soon realized just how easy it is for us, as credit professions, to get ourselves in real trouble, real quick.


Every time we answer a request for trade information, we put ourselves at risk for violating confidential rules, accusations of defaming one’s character and most importantly violating anti-trust laws. I find myself spending more and more time scrutinizing the volume of faxed/mailed trade reference requests I receive daily. I am shocked and amazed at the questions that are being asked on these forms. Would you believe that one such request the other day asked, “Would you recommend doing business with this customer?” No sooner had I recovered from the shock of that question and I was confronted with the next two questions: “What terms would you recommend?” and “What credit line would you recommend?” I was flabbergasted.


A novice credit professional that sends such a request is easily spotted and I am finding more and more of these requests that must be edited or rejected altogether. I think this may be a two sided sword. I think it shows that we are seeing more and more new people entering our chosen field. I find that exciting as these are the people we can mentor into the leadership roles of the credit profession of the future. The troublesome edge is what is going to happen when one of those novices actually answers those questions.


As a seasoned credit professional, I know that I not only have the legal obligation to notify the sender how inappropriate the form is and that I am unable to respond because of the legal implication, but I see this as an excellent opportunity to speak with the other party and help educate them. Most have been very receptive to my comments and stated that they were unaware of what they had done. Well, then it is like shooting fish in a barrel. I crawl up on my old soap box and begin to preach the merits of being a member of an NACM affiliate, participating in educational programs and attending an Industry Credit Group or Credit professional group. 


Speaking of Industry Credit Groups, this may very well be the safest venues to exchange trade information. As I understand it, to date, no Industry Trade Group has been successfully sued over the exchange of trade payment information. I contribute that to a group of individuals who are not always recognized or appreciated for their hard work and dedication—the group secretaries. These individuals not only keep us informed of local and national events, but run the meetings in an appropriate, ethical and legal manner. We all owe them a big thank you. 


I know there is another train of thought that believes that the best way to stay out of trouble while keeping their workload manageable is not responding to trade references and refer the inquirer to their local affiliate or another trade reporting service like D+B or Experian. That is definitely an alternative but I would miss the personal interaction with other credit professionals.


My whole thought here is that at any time, anywhere when you feel uncomfortable about what is being asked or what is being discussed, speak up—you are the only one who can protect yourself and keep yourself out of trouble, the ultimate goal.


Finally, my sincerest congratulations go out to all the recipients of our scholarships to the Western Region Credit Conference. I will seek each of you out at the Western Region Credit Conference and personally congratulate you and make sure you are getting full benefit of everything that is being offered.


As for the rest of you, had you “found the money”? If not, you should still register for the conference and reserve your rooms as time is starting to run out. Check our website www.wrcc.biz for deadlines and other important information.


Until our paths cross again (hopefully at the Western Region Credit Conference), good collections, good vibes and good thoughts.

CMA Member Referral Program

Do you know anyone or any company who would benefit from CMA Membership? For each referral that becomes a member you receive a $25 Target GiftCard. Download Referral Forms Today!

Refer prospects to CMA and when they become a CMA Member you will receive a $25 Target® GiftCard.

Referrals work the best when you have had a chance to share your excitement about being a CMA Member with the prospect. Download Referral Forms Today!


1. Refer companies in your industry with which you already have a good relationship, talk up CMA and the benefits your receive.

2. Talk to friends who are credit managers at non-member companies.

3. Consider companies that ask you for credit ratings or provide your company with credit ratings.

Member Referral Program Rules

All leads received from CMA members from April 1, 2005 on will qualify. Leads must include prospects company name, location, phone number and name of contact. When the referral becomes a member, the referring member will receive a $25 gift card. A referring member must be a member in good standing of CMA Business Credit Services to receive the reward. If a referring member is no longer a member of CMA at the time that the referral becomes a member the reward will be void. A CMA member can be rewarded with unlimited numbers of $25 gift cards, there is no reward cap. The referral must become a member within one year of the referral date. When you refer a company for membership you allow CMA to use your name as the referring member. For example, "You have been referred to CMA by Jane Doe at XYZ Corporation."

The Bullseye Design and Target are registered trademarks of Target Brands, Inc. All rights reserved. Target is not a participating partner in or sponsor of this offer.

CEEF to Award Two (2) Scholarships to the new Online Financial Statement Analysis Class

CEEF is the Credit Executive Education Foundation, the Education Arm of CMA
Business Credit Services.  We are pleased to announce that we will be
awarding two scholarships for the upcoming course which starts on Tuesday,
September 26th.

The Scholarship application is 500 words or less explaining the benefit you
would receive from participating in the course.  These 500 words can net you
the course for free.  The CMA’s scholarship committee will be reviewing all
scholarship applications.   Apply Today

Deadline to submit your application is Friday, September 8th.  You can print
out your scholarship application from the website and send it directly to
Bob Hoder – CMA – 40 E. Verdugo – Burbank, CA 91502 or fax it to
818-972-5301.  For consideration, the application must be received on or
before September 8th.

Please call Jodi Owens (510) 346-6000 ext 221 or Cheryl Hammond (831)
475-9482 if you should have any questions.

For more info on the Financial Statement Analysis Course click here.

FCIB Teleconference: Doing Business in China

FREE FOR FCIB MEMBERS  ($59.95 per line for non-members)

Learn how to thrive in the emerging Asian markets without taking undue risks.  This teleconference will examine the growing complexity of risks in China and discuss ways of dealing with the imperfect world of information and overcoming the information deficit.

Speaker: Julian Chen, Chief Operating Officer, FCIB China

Participants of this teleconference are eligible to receive 1/2 CICP Point and/or 1 Career Roadmap point. For more information about this teleconference, please visit: http://www.fcibglobal.com/events/teleConf/index.shtml

CMA Demographic Survey Winner

We had 256 responses to CMA’s Demographic Survey. Survey response number 197, Kathryn Marsh at Mitsui was the winner of the $250 donation to the charity of her choice.

To see the overall survey results click here.

The survey software that we are using is from a website called surveymonkey.com. It was easy to setup and design this survey with Survey Monkey, please check out the service if you have the need for online survey software at your company.