The National Association of Credit Management: Certificate Sessions


Webinar: You Asked for It; You Got It…NOW, What Do You Do with That Financial Statement?
NACM Webinar


You Asked for It; You Got It...NOW, What Do You Do with That Financial Statement?


General Information

Time: 3:00 - 4:00 pm EST
Cost: $299.00 for Two Day Webinar

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This session will reveal to you how to focus on key information in a financial statement to assist you in making sound credit decisions for your company.

We will cover topics such as:

  • The important items to identify in the balance sheet, income statement, and cash flow statement.
  • How the notes and the Manager’s Discussion and Analysis sections can complete the story.
  • How to conduct an analysis of the financial statements using Common Sizing and Ratio Analysis
  • How to recognize “secrets” that might be lurking within the Financial Statements

Join us and discover how to focus on the high-points of the financial statement from the credit manager’s perspective so that you can set realistic credit limits for your customer.


Toni Drake, CCE received her BBA Degree in Business Management from Angelo State University in 1981, and she has served in the Credit and Collection profession since that time.  She became a member of National Association of Credit Management (NACM) in 1983 and has remained active since.  She received her CBA (Credit Business Associate) Designation in 1993 and her CCE (Certified Credit Executive) Designation in 1996.  She is a 2010 alumnus of the NACM Graduate School of Credit and Financial Management. 

In 1998, she began TRM Financial Services, Inc., which services companies in the area of business credit.  Her company performs such services as assisting companies in the development of credit departments, as well as education and staff training.  TRM also provides outsourcing services for companies as needed. 

Ms. Drake launched The Connection Center in 2005 to provide education, training, and speaking services to companies and organizations.  Training sessions cover all aspects of business to business credit and collection, as well as professional development.  Ms. Drake has spoken internationally for such clients as Equifax, NACM National, NACM Southwest, NACM Business Credit Services, NACM Mid-America, Primesource Building Products, Basic Energy Services, Lehigh Hanson, and The Reynolds Company.

Through her association with NACM-Southwest, Ms. Drake has chaired numerous credit groups.  She has taught the CAP (Credit Administration Program) courses as well as participated in numerous local, regional, and national seminars as a speaker.  She has served on the NACM-Southwest Board of Directors since 1993 and continues to serve at this time.    On the NACM-Southwest Board of Directors she served on its Education, Audit, and Investments Committee as well as serving as the National Liaison.  She led the board as its Chairman in 2001 and again in 2002. At this time, she serves the NACM-Southwest Board as its Treasurer.  In 2002, she was awarded the Credit Executive of the Year Award from NACM-Southwest.

Ms. Drake began to serve NACM-National as a board member in 2003.  Previous to that, she was appointed to the National Education Committee and the Policy Committee.  She now serves as the Chairman of the Board for NACM-National.  In 2009, Ms. Drake was awarded the National CCE Designation of Excellence Award from NACM-National.

In her spare time, Ms. Drake serves on the Board of Directors for Safe Place, a non-profit organization that shelters and serves the needs of battered women and their children.  She also enjoys accumulating and reading numerous books, volunteering with her local Meals On Wheels, hiking with her husband, and watching the Texas Rangers.

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National Association
of Credit Management

8840 Columbia 100 Pkwy.
Columbia, MD 21045
Phone: 410-740-5560
Fax: 410-740-5574

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