Certification Program helps credit managers perfect credit practices

Earning one of NACM’s professional designations reflects not only a commitment to mastering the technical skills needed to thrive in the credit industry, but also a dedication to exhibiting best practices in an industry that is ever changing. For Whitney Styer, CCRA, assistant credit manager at Helena Agri-Enterprises, LLC, (Collierville, TN), earning her Credit Business Fellow (CBF) designation helped deepen her understanding of credit.  

“For me, pursuing these designations means expanding my expertise, gaining a competitive edge and being equipped to make more informed and strategic decisions,” said Styer. “It’s about continuously challenging myself to reach new heights and contribute value to our organization and our customers.”  

The road to earning a designation is rife with challenges and triumphs, with the workload requiring many to carefully balance work, classes and personal time. Styer said balancing the coursework with her work and personal commitments required discipline and focus.  

“Each time I mastered a difficult topic or passed a module, it felt like a significant achievement,” Styer said. “The support of peers also played a crucial role, turning the learning experience into a collaborative journey rather than a solo endeavor. The sense of accomplishment and the knowledge gained made all the effort worthwhile, knowing that I was building a stronger foundation of my profession.”  

NACM’s Certification Programs allows even the most seasoned credit manager to gain a better, more well-rounded understanding of the credit industry. Classes can alleviate points of confusion in day-to-day work.  

“I learned a lot about both the field and myself,” Styer said. “On the credit side, I gained a deeper understanding of the nuances of risk assessment and how seemingly small details can significantly impact financial decisions. Concepts like creditworthiness, risk mitigation and the importance of thorough due diligence became much clearer.” 

The extra time spent learning material and studying will all feel worth it in the end when you earn your designation, a reflection of your efforts to finely tune your credit practices and advance your career.  

📝Study Tip: “Break the material down into smaller, manageable chunks and create a realistic study plan that fits your schedule,” Styer said. “Consistency is key, so try to dedicate a little time each day/week to reviewing concepts, even if it’s just 15-30 minutes.”