Nannette Bringard Named 2018 CMA Credit Executive of the Year

Congratulations to Nannette Bringard, Credit Manager for Breakthru Beverage, who was named 2018 CMA Credit Executive of the Year at CreditScape.

Nannette volunteers on the CMA Board of Directors as its treasurer, where she is an active participant in the meetings and in the future of CMA. She is active in two CMA credit groups, and always comes to meetings prepared, setting an example for other credit professionals. She has her entire staff engaged in CMA, active in anscers and/or the meetings and webinars. She regularly attends CMA-sponsored events and also encourages her staff to do so. She has been at Breakthru Beverage (formerly Wirtz Beverage) since 2002, and we are very lucky to have her participation in CMA.

Breakthru has been a CMA member company since 1991.

The CMA Credit Executive of the Year Award was presented during the Membership Meeting portion of the CreditScape Spring Summit in Garden Grove, CA on April 5, 2018.

Nannette Bringard, right, of Breakthru Beverage, was named 2018 CMA Credit Executive of the Year at the 2018 CreditScape Spring Summit

CreditScape Spring Summit Helps Identify Ways to Create Efficiency in Credit

The CreditScape Spring Summit, Powered by United TranzActions, an interactive learning seminar and workshop took place April 12 at the Hyatt Regency Orange County. The event helped uncover areas in a company’s credit operations where they could improve efficiency, providing attendees with dozens of ideas to bring back to the office, according to preliminary survey results that were tabulated after the event.

With the common theme of “creating efficiency and reducing costs in the credit department,” attendees commented that the sessions gave them insights on the latest in legal issues affecting the credit department, improving efficiency in new customer onboarding, efficiency in the cash-to-cash cycle, plus services that could help companies realize these efficiencies. Also a hit were the panel discussions where attendees heard from their peers how they have successfully implemented these processes.

Additionally, for the attendees overwhelmingly said they’d recommend CreditScape to a colleague.

Here are some photos from the event:

Plans are forthcoming for CMA’s next CreditScape, which will take place next Spring at the same venue in Garden Grove, CA, April 4-5, 2018. More details will be announced as soon as possible.

Thanks again to our event sponsors United TranzActions, HighRadius, CreditPoint Software, Bectran, Credit 2 B, IAB, Ansonia Credit Data, AG Adjustments, NCS, Dun & Bradstreet, Skyminder and Esker, and to all who attended the event!

Spring CreditScape Panelists Announced


Panelists from leading companies such as Nestle USA, Consolidated Electrical Distributors (CED), Velocity Vehicles, Reliance Steel, Cemex and ResMed will take part in the discussion at CreditScape about how to create efficiency and reduce costs in the credit department.

A complete schedule of sessions and workshops for the CreditScape Spring Summit has also been posted. Keynote speaker Dan Goldes will present “The Influence Edge: Increasing Efficiency with Influence Skills” in an interactive keynote workshop at CreditScape, April 12, 2017 at the Hyatt Regency Hotel, Garden Grove, CA.

Bankruptcy expert Wanda Borges, esq., will talk about electronic credit applications during the panel discussions, while Alvin Moreno of Nestle will discuss the elements of a lean office that he’s brought into his company to help make his credit operations run more efficiently. Other panels and the return of CMA’s popular “Speed Networking” event will also take place at CreditScape.

The CreditScape Spring Summit, powered by United TranzActions, features one packed day of workshop training, expert practical and legal advice, and networking with other credit professionals, designed to give you insight on areas where you can make improvements in your company’s credit operations.

To view the complete schedule, click here.

How Accepting Credit Cards Can Make Your Credit Department More Efficient, by Michael Williams

For personal finance, credit cards are clearly the preferred payment method for most every qualified consumer. However, in the B2B marketplace, many companies have either limited acceptance or even shied completely away from accepting credit cards due to high service fees and integration costs. Even with the relatively high cost of processing, credit cards do offer some advantages to your company that will help bring efficiency and shift risk to the credit card company. How can your company gain efficiency by accepting credit cards and what’s in it for you?

  • LOWER YOUR CREDIT CARD OVERALL COSTS: Credit and treasury managers must understand all the options available for price reduction and how to make sure that you are both minimizing risk and taking advantage of every available option.
  • RECOUP YOUR CREDIT CARD FEES THROUGH SURCHARGE AND CONVENIENCE FEES: The Network Surcharge Rules are loaded with twists and variables, so it is imperative to have qualified individuals to guide you through that minefield.
  • ELIMINATE CREDIT CARD FEES WITH A CREDIT CARD ALTERNATIVE: There is a viable alternative to credit cards which has proven its value time and again over the years. This alternative is one third the cost of a credit card and a much more secure transaction with no chargebacks.

As an exclusive NACM partner for over 20 years, United TranzActions has been successful in advising members on how to process credit cards more efficiently, how to save dollars, and how to maximize the value of their use of their credit card usage. UTA will be one of the featured companies attending the upcoming CreditScape Summit, powered by UTA, in Garden Grove, California on April 12, 2017. More information on the conference is available at I’d love to speak with you at CreditScape and see how we might help you in the credit card arena. And if you are unable to make it, feel free to reach out to me anytime for any advice on your payment processing needs.

Michael Williams is VP NACM Relations at United TranzActions. He can be reached at 305-606-6703, or

How to Use Influence Skills to Increase Efficiency and Gets Results, by Dan Goldes

How do you move people to action in order to increase efficiency? How do you get results from others without destroying relationships? These are burning questions in most organizations.

One thing is clear: the ability to influence people is not something you must be born with, but something you can learn.

Think about the best influencers in your life: clients, or people you’ve worked for, worked with, or even supervised. What made them great influencers? Was it their ability to ask questions and really listen to your answers? Did they paint a picture of the future that you found appealing and wanted to be part of? Were they able to convey their thoughts on a topic efficiently and directly and then invite your input as well?

Effectively using influence skills means learning some new behaviors – or, in some cases, refocusing behaviors your already use in order to be more efficient. Influence behaviors fall into three categories: push behaviors, pull behaviors, and push/pull behaviors.

Many people are well-versed in push behaviors, which have to do with stating your needs directly. Others are more comfortable with pull behaviors, with which you draw information out of the other party. Far fewer effectively use push/pull behaviors, which both increase commitment and move people toward action.

Most people have a default: a set of behaviors they use over and over because they work (or, often, because that’s all they know). The most effective influencer, though, is one who can pick and choose the best behavior for that moment, much as an artist decides which brush to use for each section of a painting. Using influence skills well, then, means being able to assess a situation in advance, think about the appropriate behaviors, try them, and pivot as necessary.

Planning for influence can’t be overlooked. While spur-of-the-moment opportunities to use influence skills do come up, far more often we know we’re heading into a meeting or making a phone call during which we want to influence the outcome. The investment in spending a few minutes thinking about what you want to get out of the situation, what you think the other party wants, and which of the influence behaviors you’ll use is well worth the effort. Does it take a little more time? Yes. Does it require you to change how you approach these situations? Probably. But the confidence that comes from having a plan – even if it changes mid-stream – can’t be overstated. Confident influencers are effective influencers.

Learning new behaviors often makes people anxious. But the payoff in developing influence skills is increased efficiency and better relationships, which will serve you now and in the future.

I will go into much greater detail about this during my interactive keynote presentation at the upcoming CreditScape Summit, April 12 in Garden Grove, CA.

Dan Goldes is a facilitator, trainer, and speaker based in San Francisco. He will speak on Influence Skills at CMA’s Spring CreditScape Summit on April 12. For more information about the event, visit

Coming Soon: How to Create a More Efficient Credit Department (and Ultimately Cut Costs)

Stop us if you’ve heard this one before. Your boss comes to you and tells you that you need to cut costs in the credit department, or that one of your resources (i.e., employees) now needs to split their time between credit and something else not related to credit. You’re already short-handed in your department. What’s a credit professional to do?

We work in a “do more with less” world. Practitioners in the credit department are impacted more than most. Dedication to process improvement is the only way to achieve high-performance results in the face of diminishing resources.

At CMA, late last year we conducted a research study where we spoke with more than a quarter of CMA’s members who told us that their biggest concern in 2017 is related to doing more with less. Whether it’s cutting costs or maximizing their efficiency, or a combination of both, CMA members are always looking for ways to streamline their credit operations. As a response to those conversations, CMA has tailored its CreditScape event to help credit managers with all levels of experience and expertise to leverage the knowledge and experiences of practitioners who have implemented new efficiency-maximizing processes in their credit departments.

The 2017 CreditScape Spring Summit, powered by United TranzActions, will feature a full day workshop that includes a keynote address on persuading internal and external customers, training sessions, expert practical and legal advice, and networking with other credit professionals. The goal of CreditScape is to provide an opportunity for credit practitioners at all levels of experience and expertise to come together to solve problems and provide solutions for their real-world issues they face at work.

Over the next few days, several participants in the event will be guest blogging about the power of persuasion and areas in your credit operations where you could be more efficient.

We invite you to join our guest bloggers at the Spring CreditScape Summit, powered by UTA, April 12, 2017 at the Hyatt Regency Orange County (or view the website at, and to read their blogs, as the information you’ll receive can help you save time and resources in the long run.

What areas of your credit department do you think you could use efficiency to cut costs that you the most interested in learning about? We welcome your feedback.

Dan Goldes to Deliver Keynote Address at Spring CreditScape

Keynote speaker Dan Goldes will present “The Influence Edge: Increasing Efficiency with Influence Skills” in an interactive keynote workshop at the upcoming CreditScape Spring Summit, April 12, 2017 at the Hyatt Regency Hotel, Garden Grove, CA. The keynote discussion will fit in well with the event’s theme of how to create efficiency and reduce costs in the credit department.


The CreditScape Spring Summit, powered by United TranzActions, features one packed day of workshop training, expert practical and legal advice, and networking with other credit professionals, designed to give you insight on areas where you can make improvements in your company’s credit operations.


More information about the event, including a complete schedule, will be available soon.


To register, click here.

Why You Need to Attend the CreditScape Spring Summit, by Michael W. Fenner, CBA

Now that we have all made our “New Years resolutions,” make sure you don’t drop the ball on your professional goals. Maybe you would like to improve your own personal skill set in your organization. Or perhaps you want your team to get up-to-date with the latest credit training / information in the market place. For me, as I move through this New Year, I look at budget planning and ideas on how to improve our credit department. I urge you to please take some time to review the latest CMA CreditScape Spring Summit information. By attending the two days of workshop training, I believe that it will propel you and your department to the next level.

What will be covered this spring…“The Efficient Digital Credit Department”.

Let’s take a look at some of the items that stood out to me:

  • All Levels of Expertise Welcome – Good for beginners to experts in your departments.
  • The discussions are led by practitioners, not marketing people – Get a 360-degree look into the elements of an efficient digital credit department, focusing on best practices and real-world case studies with the best and brightest practitioners in credit and collections, including top credit executives from companies such as Sony Entertainment, Sysco Foods, Ganahl Lumber, Kendall-Jackson, Walters Wholesale, UTA/United TranzActions, the U.S. Department of Commerce and Watsco.
  • Focusing on your Departments Efficiencies – Such as why should your department go digital…You’ve decided to “Go Digital” Now What?…Automating your customer onboarding process…Vetting your customers…Automating your A/R management processes…International resources and government automation tools……Using third-party vendors to create efficiencies…and emerging technologies impacting the credit department to name a few.
  • Convenient Location – This will be in Southern California this spring at The Island Hotel Newport Beach saving costs for those of us who live locally.

The event information is as follows:

Date: March 24-25, 2016
Location: The Island Hotel Newport Beach 690 Newport Center Drive Newport Beach, CA 92660 ($189 a night)
Cost: $495 for CMA members and $595 for non-members
Registration: To register go to

We all know how it is important to stay up-to-date with our education. And finding the time to go to these events can be hard too. Invest in your team, and challenge them to improve and grow. This program will be packed with information and has many excellent speakers too. I would highly recommend it.

Additionally, CMA has a prewritten “letter to your boss” to help you show the value of the event. To get a copy, go to

Please take a few minutes to read through the program highlights to answer all of your questions on the CreditScape Spring Summit 2016 brochure located at

Make sure you encourage your teams, support CMA…your association, and network with old friends and make some new ones too. Team up with your colleagues and learn together. Then bring back your experiences to incorporate into your jobs. Let me know your thoughts. I’d love to hear your feedback.

Michael W. Fenner, CBA, is the Credit Management Association Chairman and Manager of Corporate Credit Operations for Beacon Roofing Supply. He can be reached at 714-321-8187, or