Earn the Designation.
Lead the Profession.
Courses designed specifically for credit and finance professionals.
Learn what actually applies to your day-to-day and build skills you’ll use right away. NACM Commercial Services prides itself on offering the best education in the country for credit and collection professionals.
Training & Certification Schedule
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06/18/2025
Digital Payments Webinar Featuring Payment Request Links via Email and Text
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06/26/2025
The Power Hour: Second Half 2025 - Looking for Clarity in a Volatile World
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NACM Education & Training Options
Enjoy a more interactive approach to learning or just need a break from the day-to-day grind? Our in-house educational offerings provide:
Sessions that focus specifically on your needs and your level of knowledge and skills.
Easy and affordable ways to get certification and Continuing Education Units (CEUs).
Interact with other members while engaging in informative discussions and learning.
Practical, Career-Focused Learning
By engaging in continuous learning, you demonstrate a commitment to your professional development. Virtual, in-person, and conference-style opportunities await your preferred style of learning. These trainings deepen your knowledge, keep you informed of law changes, and demonstrate a commitment to your professional development.
Diverse Course Offerings
Engage in various educational formats, including webinars, seminars, and conferences, designed to fit different learning preferences and schedules.
Expert Instructors
Learn from seasoned industry experts who bring real-world experience and insights into the classroom.
Certification Courses
Enhance your credentials with specialized certification programs that validate your expertise and advance your career.
Skill Enhancement
Develop and refine your skills through targeted training that addresses current industry trends and challenges.
Networking Opportunities
Connect with peers, industry leaders, and potential mentors through numerous networking events and forums.
Educational Publications
Gain access to newsletters, online community forums, and other educational resources that provide news and best practices.
National Career Center
Utilize resources and support from the National Career Centre to advance your career in credit management.
Leadership Opportunities
Grow your leadership skills by serving on the board, participating in committees, and contributing to the strategic direction of the organization.
scholarships
See available scholarship offers through the NACM Commercial Services Foundation.
Certification Program
Whether you’re new to the industry or a seasoned expert, our certifications validate your expertise, build confidence, and open doors to career opportunities.
Explore our certification programs to find the right path for your goals—and start building a stronger credit career.
The NACM National Professional Certification Program grants business credit professionals six nationally recognized designations:
Credit Business Associate (CBA)
The Credit Business Associate℠ (CBA℠) is an academic-based designation which signals mastery of three business-credit related disciplines:
- Basic Financial Accounting
- Financial Statement Analysis 1
- Business Credit Principles
There is no minimum work experience requirement for this designation level and the course work needed to qualify for this designation can be obtained through colleges, local NACM Affiliated Association programs, self-study or nationally sponsored programs.
Certified Credit and Risk Analyst (CCRA)
The Certified Credit and Risk Analyst℠ (CCRA℠) Designation is an academic-based designation which signals mastery in the analysis and interpretation of financial statements and the ability to make informed credit risk assessments. The NACM Career Roadmap is not required for this designation. The final exam for the Financial Statement Analysis 2: Credit and Risk Assessment course will serve as the designation exam.
The three courses needed to qualify for this designation are:
- Basic Financial Accounting
- Financial Statement Analysis 1
- Financial Statement Analysis 2: Credit and Risk Assessment
Credit Business Fellow (CBF)
The Credit Business Fellow℠ (CBF℠) Designation is an academic and participation-based designation that illustrates that achievers are knowledgeable about and have contributed to the field of business credit by first having earned the CBA designation as well as having completed additional coursework. The CBF signals competence in business and credit law. In addition to completing coursework, CBF designation applicants must show evidence of 75 NACM Career Roadmap points. An updated copy of your resume should accompany your CBF Application form and completed Career Roadmap. The NACM Education Department will notify you in writing as to your eligibility to take the CBF exam.
The two courses needed to qualify for this designation are:
- Business Law
- Credit Law
Certified Credit Executive (CCE)
The Certified Credit Executive® (CCE®) is NACM’s executive level designation which endorses its achievers as capable of managing the credit function at an executive level.
Candidates must pass a rigorous, four-hour exam which tests application skills in the areas of accounting, finance, domestic and international credit concepts, management and law.
Certified International Credit Professional (CICP)
The Certified International Credit Professional (CICP) designation signifies knowledge and professional development in global credit management and risk analysis.
Awarded to those credit professionals who successfully complete the International Credit & Risk Management (ICRM) online courses and the final exam, the CICP is a globally recognized mark of distinction that signals to employers the holder has mastered a broad range of global credit management concepts.
More than 2,100 credit professionals have earned the prestigious lifetime CICP designation since its inception, proudly displaying their CICP credential in signature lines and on business cards.
International Certified Credit Executive (ICCE)
Over half of FCIB’s CICPs currently maintain their designation status by earning the required continuing professional development or education points. Within this majority, many have expressed the desire for yet another means through which they can advance their career and standing within the international trade credit and finance area.
For these professionals, FCIB is pleased to present the International Certified Credit Executive℠ (ICCE℠)
designation. As the name implies, this executive-level designation has been created for international credit and risk analysis professionals who are ready to make an impact on the world stage by excelling beyond their CICP designation.
Quick Links & Tools to Help You Succeed:
Scholarships
Annual NACM Designation Exam Schedule
CBA and CBF Designation Practice Exam
CBA Exam Study Guide
CBF Exam Study Guide
CCE Exam Study Guide
NACM National has created the Career Roadmap to help you track educational, professional, and special activities in your quest to achieve a particular designation.
Not sure where to begin or how roadmapping works? We offer FREE Certification Roadmap Introduction sessions several times a year. Whether you join us for lunch to meet fellow credit professionals interested in receiving designation or participate via webinar, these classes are led by a member who has taken the journey to designation themselves. Drawing from personal experience and a thorough understanding of how the program works, our instructors will help you ease into the process with confidence.
Certification Courses
Enhance your credit education with our certification courses, developed by the National Education Department to address the needs of today’s credit professionals. By joining the Professional Certification Program, you’ll show you’re among the best, committed to excellence in credit management and career advancement.
Take your career to the next level and get certified.
Business Credit Principles - NACM CS Live - Interactive Course
Required for Credit Business Associate (CBA).
This comprehensive course covers all of the vital elements of business credit, including the role of credit in financial management, the components of effective credit department systems, specific government regulations that pertain to business credit, credit policy and procedures, selling terms, negotiable instruments, the Uniform Commercial Code, credit investigations, finance and business insurance, business credit fraud, factors associated with credit limits, and international trade, as well as bankruptcy codes and alternatives to bankruptcy.
** Additional charge for textbook + shipping. Textbook will be ordered for students by NACM CS.
Winter Session
Basic Financial Accounting - NACM CS Live - Interactive Course
Required for Credit Business Associate (CBA).
This course presents an introduction to basic financial accounting. Students begin at square one, learning the foundation of accounting principles. As the language of business, accounting is essential to business professionals.
** Additional charge for textbooks + shipping. Textbook will be ordered for students by NACM CS.
Fall Session
Financial Statement Analysis I - NACM CS Live - Interactive Course
Required for Credit Business Associate (CBA).
This introductory class provides the student with an overview of basic financial statements, quality issues in using these reports, and analysis of these statements for the purpose of making trade credit decisions. Upon successful completion of this course, the student will understand basic financial statements, the audit letter and footnotes, various techniques used in statement analysis, including common-sizing, ratios addressing liquidity, operational performance, and leverage, and cash flow analysis, and the use of these techniques in credit decisioning.
** Additional charge for textbooks + shipping. Textbook will be ordered for students by NACM CS.
Spring Session
Business Law for the Trade Creditor (NACM National Course)
This course fulfills one of the two required courses for the Credit Business Fellow (CBF) professional designation.
This course covers various legal aspects of business. Module topics include Law and the Legal Environment, Contracts, and Sales and Lease Contracts. Each one of these topics is broken down into multiple modules for in-depth instruction,
You will use two textbooks to follow along readings, which are outlined in the syllabus (provided in the Handouts tab).
Credit Law for the Trade Creditor (NACM National Course)
This course fulfills one of the two required courses for the Credit Business Fellow (CBF) professional designation.
This 23-module course is designed to teach business credit professionals about the legal aspects of business credit. Module topics include business organizations, commercial transactions, and government regulation and compliance. Eighteen of the 23 one-hour modules require a passing quiz grade to advance to the next module. Many of the modules feature guest speakers who provide valuable information and real-time examples.
National Education & Accreditation
Take your credit education up a notch and join us for these certification courses. The National Education Department developed these courses to meet the educational needs of today’s credit professional.
Learn With The Credit Community
NACM Commercial Services is a leading provider of credit and financial related education for various levels of credit experience. Jump in and get involved! A professional should never stop learning in their credit career.
Join our Network!
Meet Shawna Axness, our expert Education Coordinator. She can assist finding the programs you need!
Questions about educational opportunities?
Call Shawna today!
faq
Education & Events
I’m not sure where to start. Where do I get the information, I need?
We offer Certification Roadmap Introduction classes several times a year. This complimentary session will guide you through the process of:
- How to earn a Designation
- Registering with NACM National
- Deciding which classes best suit your needs and schedule
- Earning roadmap and CEU points to earn for certification.
Are scholarships available for certification classes?
Yes! NACM Commercial Services Foundation and NACM National provide scholarships to help offset the cost of books and tuition fees. You also should check with your employer regarding tuition reimbursement for job-related classes.
What are my options for participating in classes?
NACM offers several ways to meet class requirements:
- In-house at NACM Commercial Services
- Annually at Credit Congress
- Through NACM National Credit Learning Center
- Through local colleges and universities
Do I need a college degree to start working towards designation?
No. Work experience will be taken into consideration when determining certification requirements. You will need an updated resume when you are ready to register. If you have completed college classes, request official transcripts to send to NACM National with your registration.
faq
Scholarships
Are scholarships available for certification classes?
Yes! NACM Commercial Services Foundation and NACM National provide scholarships to help offset the cost of books and tuition fees. You also should check with your employer regarding tuition reimbursement for job-related classes.
Who is eligible to receive a scholarship?
Any employee of a member firm of NACM Commercial Services.
Where do scholarship dollars come from?
The Scholarship Committee plan and host various fundraising events throughout the year to raise money and from generous donations from our members.
How often can I receive a scholarship?
Once per calendar year.
faq
General Questions
How does membership in NACM work?
The NACM membership is a company benefit and multiple credit people in a department can benefit from the services and trainings. Once you become a member of NACMCS, we also register you as a national member where you receive additional benefits.
Can I get assistance with strengthening our credit application?
Absolutely! NACMCS reviews your credit application and makes suggestions to strengthen the document to best protect your company while extending credit to clients.
How do I get help finding an industry group for a specific industry?
On a national level NACM has over 350 different industry groups. If you’re looking for coverage in a specific geographic area or industry, we can help you find the perfect match for your company.
How do I network with other credit professionals?
NACMCS is the perfect place to meet new credit professionals, virtually and in-person. There are endless opportunities to interact with others, learn from peer networking, and gain confidence the credit practices in your business are top notch. Conferences, forums, virtual discussion groups, trainings, and online communities are available to members.
What is AR Data Contribution?
A majority of NACM member companies choose to report their client’s payment patterns to NACM and credit bureaus monthly to assist building client’s business credit scores or reflecting slow paying customers. Contributing the information gives companies leverage in debt collection. NACM offers this service free with a membership, as it believes the reporting assists the overall credit community. It’s how commercial credit reports are built. Various complimentary services are offered to member companies who contribute their AR aging to the NACM database and other reporting agencies as an added benefit. Members can request to remain anonymous while practicing good policy of contributing payment data.
What’s available to companies who are non-members?
NACM is a trade association built to support our community of credit professionals. Most benefits are offered to member companies. There is a limited number of services offered to companies who cannot become members, but the fees are much higher. The magic happens behind the Member Portal!
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