Professional Certification

When you apply to participate in the Professional Certification Program, you are on your way to demonstrating that you are among the best. You’ll join a select group of individuals who have made the commitment to excellence in credit management, career advancement and an ongoing pursuit of knowledge. Throughout the process, you will be recognized for your achievements.

Heightened Professional Recognition: NACM’s professional designations attest to experience, knowledge, ability, accomplishment, leadership and contributions to the credit and financial fields. Designations raise the level of respect among colleagues in business credit management and between professionals in the financial community. Proudly display your designation with your name on letterhead, business cards and all forms of address.

The certification program, sponsored by the National Association of Credit Management, has helped define and establish professional standards in this demanding and rapidly changing field, and fosters recognition of those individuals who possess special expertise.

Among credit management professionals, the professional certification program is respected and appreciated. Not only is participation in the program a mark of distinction throughout the profession, but it offers you a wide range of important benefits:

Expanded Knowledge: By reading, studying and preparing for the exams, you’ll gain a thorough, up-to-date understanding of every aspect of credit management, including a look at future trends and strategies essential to your success.

Career Opportunities: Certification tells employers that you are motivated, accomplished and current in your knowledge of credit management skills. It indicates that you are actively working to maintain high standards in the field.

Standards of Excellence: With constant changes in credit and with banking and financial services redefining the role of the credit executive, the certification program is clearly a valuable way to master professional education requirements and achieve professional excellence.

NACM's Six Levels of Certification

Credit Business Associate |CBA Designation
The Credit Business AssociateSM (CBASM) is an academic-based designation which signals mastery of three business-credit related disciplines:

  1. Basic Financial Accounting
  2. Financial Statement Analysis I
  3. 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.

Credit Business Fellow | CBF Designation 
The Credit Business FellowSM (CBFSM) Designation is an academic and participation-based designation which 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 course work. The CBF signals competence in business and credit law. In addition to completing course work, 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:

  1. Business Law
  2. Credit Law


Certified Credit Executive | CCE Designation 
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 Credit & Risk Analyst | CCRA Designation
The Certified Credit and Risk AnalystSM (CCRASM) 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:

  1. Basic Financial Accounting
  2. Financial Statement Analysis I
  3. Financial Statement Analysis 2: Credit and Risk Assessment


Certified International Credit Professional (CICP)

FCIB’s Certified International Credit Professional (CICP) designation is an academic-based designation earned by successfully completing FCIB’s International Credit & Risk Management (ICRM) online course. The instructor-led, in-depth 13-week course is delivered in 12 modules and is designed to educate entry-level professionals as well as senior-level executives about the intricacies of global credit and risk management. This instructor-led international course has attracted participants from more than 25 different countries, with diverse backgrounds and professional experiences. Participants spend an average of 5-7 hours per week on the course. Participation in discussion board postings, “group share” assignments are a required aspect within each unique module.

International Certified Credit Executive (ICCE)
The International Certified Credit Executive (ICCE) 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. The CICP designation is a prerequisite for those candidates who place a high value on continuing education as a means to securing the information and knowledge necessary to maintain their executive status. ICCEs not only continue to engage in ongoing education, but also participate in their associations by serving on committees, work groups or completing surveys, mentoring through engagement on the FCIB Discussion Board or LinkedIn page or taking a leadership role by serving as a panelist or speaker.