The journey towards earning a designation through one of NACM and FCIB’s Professional Certification Programs brings both challenges and moments of immense pride. While the course load may seem heavy at first, finding the connections between what is learned in the classroom and what skills are applied in your day-to-day work can bring about a newfound confidence. 

The longer you work in business-to-business credit, the sooner you realize how interconnected everything is. Over the past few years, more organizations have either started operating or forming partnerships around the world. This investment has not only helped expand businesses, but it’s broadened the overall risk management perspective. 

For credit professionals, the importance of continued education can never be overstated. Those who challenge themselves, whether that’s learning more about a subject in depth or developing a new skill, can contribute more to their organization and the greater community. For many, earning a professional certification is more than a credential—it’s a commitment to continuous growth and strategic leadership. 

Every professional’s path into credit is different, but those who truly stand out share a common thread: a deep respect for their craft and the positive influences that shaped their journey. In this special member spotlight, we’re highlighting Heather Re-DeGunia, CBF, CCRA, senior credit representative at Ag Processing, Inc. (Omaha, NE). As her retirement approaches, she reflects on a distinguished credit career, the lessons learned along the way and the lasting impact of NACM. 

In credit management, success isn’t just about collecting payments—it’s about strategic thinking, leadership development and positioning yourself as a trusted business advisor. For credit professionals ready to transition from tactical execution to strategic leadership, the Certified Credit Executive (CCE) earned through NACM and FCIB’s six-level Professional Certification Program provides the knowledge, credibility and network needed to make that transition. 

It’s often said that practice makes perfect. For credit professionals, the same rule applies. It is the experience gained through successes and failures that create opportunities for growth. To further refine their craft, many pursue continued education and advancement opportunities like NACM and FCIB’s six-level Professional Certification Program. 

No matter how experienced or qualified you may be, starting a new job often comes with feelings of anxiety and uncertainty. With the right training, guidance and personal dedication, those early nerves give way to confidence and competence. 

As we approach the end of January, we’re transitioning from a season of reflection into one of intention. Members across regions and around the world are beginning to put their professional aspirations and goals into action—laying the groundwork for a successful and meaningful future.