Mark Balstad, Chair
Area Credit Manager, Nutrien Ag Solutions
I’ve worked in the credit field for over 30 years, currently at Crop Production Services, covering the Pacific Northwest territory. I attended Olaf College in Northfield, Minnesota, where I earned a Bachelor of Arts in Political Science & Religion. I have served on the board of directors for Credit Professionals International, Credit Women in Construction, and Idaho Collectors Association. I have served on the NACM Inland Northwest Board of Directors for numerous years.
Tawnya Marsh, CCE, Vice Chair
Credit Manager, Pendleton Woolen Mills, Inc.
I am a native Oregonian born and raised in Eugene. I moved to the Portland area in 2007 with my husband and daughter. I started my credit career 24 years ago while working for a small (at that time) home improvement store in Eugene. I started getting involved with NACM and CFDD while in that position which is where I received most of my credit education. I obtained my CBA certification in 1999 and completed the GSCFM course and CCE certification in 2016. I currently work for Columbia River Knife and Tool as their Credit & Customer Service manager. I served on the CFDD Board from 2008 to 2015 and continue to stay involved with that organization. My husband and I have two beautiful daughters that keep us rather busy. We love camping, trips to the beach and just enjoying watching our “littles” grow up, though sometimes they grow to fast.
Pam Wagner, CCE, Secretary-Treasurer
Regional Credit Manager, Cascade Windows
I am a Washington native, raised in Spokane, Washington. For the last 20 years I have worked in credit, collections, and accounts receivable. Prior to credit, I worked as a planner/buyer and in inventory management. I am proud to serve on the NACM Northwest Board of Directors. I love taking part in NACM education and certification programs; earning my CBF in 2015. I have been married for 28 years with two wonderful children and a yellow lab named Holly. I enjoy camping and snowmobiling with my family and friends.
Jeff Caviness, CBA, Senior Advisor
NW Credit Manager, CPM Development
I was born and raised in Spokane, Washington. After high school, I attended Arizona State University to obtain a degree in Finance. I have been in credit and collections for over 25 years. My last job as national credit manager of a staffing company brought me back to Spokane. I have been with CPM Development, my current employers, for six years. I earned my CBA designation in 2013. I’ve served on the NACM Inland Northwest Board for five years. My wife works for the Spokane Regional Health District and we have four children. I am a die-hard Seahawk and Sun Devil fan. I enjoy hunting and the outdoors.
Dave Newman, CCE, Immediate Past Chair
Area Credit Manager, Roofline Supply & Delivery
I am a native Oregonian with a business degree from Portland State University. I've worked in a number of different fields including credit, finance, global logistics, and sustainability. I earned the CBA Designation in March 2014, achieved the CBF Designation in July 2014, and the CCE Designation in March 2015. I have served on the NACM Oregon Board since 2014.
Don Frigaard, Director
VP of Mortgage Lending, HAPO Community Credit Union
I started my financial career with a small S & L in Spokane, Washington where I first fell in love with credit. After attending the local Community College in Spokane, I went on to attend Eastern Washington University while continuing to grow my knowledge of finance. I took my knowledge of finance and used it to open several lending centers for banks and credit unions in Spokane, Boise, Colorado Springs, and Denver. Never losing my love for the Pacific Northwest, I returned in 2001, and in 2003 I met my beautiful bride. It was 2004 I moved from banking to start a commercial services department for a Spokane based Credit Union. At the Credit Union is where I became familiar with NACM, attending classes and finally becoming a Board Member from 2006 to 2013. Today I live and work in Tri-Cities, WA. My wife and I are blessed with two 27-year-old daughters and a 12-year-old son. Between my wife’s passion for horses, my love of dogs (particularly gundogs), our son’s schedule, and golf (who doesn’t love golfing?) we stay pretty active. I am honored to have been asked to serve again on the NACM Board of Directors.
Chris Gunning, Director
Vice President, Commercial Banker, INB
I was born and raised in North Idaho and have lived in the Spokane area for the past 17 years. I have been working in the banking industry for over 25 years and am currently employed with INB as a Vice President/Commercial Banker. I received my bachelor's degree in business management from George Fox University. I have two children ages 16 and 13 who I love to spend time with. In my free time, I enjoy traveling, snow skiing, and going to the lake.
Amy Higgins – Director
Credit Manager, ZAK Designs, Inc.
I was born and raised in Spokane, Washington. I obtained my BA in Business Administration from Washington State University. Go Cougs! Upon graduation, I went to work for a local collection agency, which started my career in credit & collections. After 8 years with that company, I was hired to be the Credit Manager at Zak Designs, Inc. I am now in my 15th year at Zak and enjoy my job very much. I’m currently serving on the NACM Midwest Consumer Products Group Board and now the NACM Northwest Board of Directors. My husband Tim and I have two teenagers that keep us very busy. When we can get away, you can usually find us snow skiing!
Eve Sahnow, CCE, Director
Corporate Credit Manager, Orepac Building Products
I am proud to call myself an Oregonian since 2005. I manage the amazing credit team for OrePac Building Products, one of Oregon’s largest family owned companies. Prior to joining the OrePac family, highlights in my work experience ranged from SOX compliance, sales force training and institutional trade support. I earned my B.S. degree in Business Management from Metropolitan State University in Denver and was awarded certifications in both the Credit Business Fellow (CBF) in 2014 and the Certified Credit Executive (CCE) in 2016. As an alum of NACM’s Graduate School of Credit and Financial Management (GSCFM) program, I am passionate about promoting continuing education and the power of professional networking. In my spare time I enjoy fishing and crabbing with my husband and traveling to new places with family and friends.
Scott Smithhisler, Director
Vice President, Global Trade Consultant, US Bank Global Trade Services Division
I'm a Washington native and have lived in the Portland area since 1980. For me, credit and NACM are part of a diverse background in international business. I spent a few years in international banking operations, then for twenty-five years was with Nike Inc. in a variety of leadership roles related to foreign sales, international credit, regional and corporate operations, transition management, trade finance, and supply chain. I had the opportunity to do a lot of travel and to live overseas for a while. In May 2012, I joined U.S. Bank as VP, Global Trade Consultant working with large companies across the western United States. Early in my career, what was then NACM Oregon played an important educational role for me and I've enjoyed being a long time International Trade Group member and former Chair. I strongly believe the organization that has grown and evolved to become NACM Northwest provides a vital contribution to the business community, and I am honored to help with its continued success.
Mark Teeter, CCE/CICP, Director
Corporate Credit Manager, ESCO Corporation
I am a native of Portland, Oregon who attended the University of Oregon and Portland State University studying journalism, business, and obtaining a bachelor’s degree in advertising. I began my 23-year credit career in the outdoor apparel industry and 6 years ago redirected into the metals and mining industry with ESCO Corporation in Portland. I am an advocate of NACM’s educational and commercial offerings and hold the CCE and CICP designations. I enjoy cycling, camping, gardening, off-roading, kayaking, and adventure travels with my wife, two adult children, and grandson.
Jennifer Walsh, CCE
Chief Executive Officer, NACM Commercial Services
I am a native Washingtonian, growing up in central Washington and eventually attending Eastern Washington University. I've spent over 20 years in business credit management, beginning in commercial lending at a regional bank and transitioning over to the COO position of NACM Inland Northwest in 2007. My husband of 25 years is a Commercial Marketing Rep for Costco Wholesale. We have three beautiful and active children, keeping our household on the move every day. We spend a great amount of time at sporting events and enjoying most anything outdoors in the Pacific Northwest.