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Entity 'raquo' not defined Entity 'raquo' not defined Entity 'raquo' not defined Specification mandate value for attribute defer Opening and ending tag mismatch: link line 1 and head Specification mandate value for attribute uk-sticky attributes construct error Couldn't find end of Start Tag div line 1 Opening and ending tag mismatch: img line 1 and a Opening and ending tag mismatch: a line 1 and div Specification mandate value for attribute uk-toggle attributes construct error Couldn't find end of Start Tag a line 1 Specification mandate value for attribute uk-navbar-toggle-icon Opening and ending tag mismatch: div line 1 and a Opening and ending tag mismatch: header line 1 and div Specification mandate value for attribute flip Specification mandate value for attribute uk-close attributes construct error Couldn't find end of Start Tag button line 1 Opening and ending tag mismatch: div line 1 and button Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-search-icon Specification mandate value for attribute required attributes construct error Couldn't find end of Start Tag input line 1 Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-scroll Specification mandate value for attribute uk-scroll Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 xmlParseEntityRef: no name Opening and ending tag mismatch: body line 1 and header Specification mandate value for attribute uk-search-icon attributes construct error Couldn't find end of Start Tag a line 1 Opening and ending tag mismatch: div line 1 and a Specification mandate value for attribute uk-height-viewport Specification mandate value for attribute uk-close attributes construct error Couldn't find end of Start Tag button line 1 Opening and ending tag mismatch: div line 1 and button Specification mandate value for attribute required attributes construct error Couldn't find end of Start Tag input line 1 Opening and ending tag mismatch: img line 1 and a Opening and ending tag mismatch: a line 1 and div Opening and ending tag mismatch: header line 1 and div Specification mandate value for attribute uk-sticky attributes construct error Couldn't find end of Start Tag div line 1 Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Opening and ending tag mismatch: div line 1 and li Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Opening and ending tag mismatch: div line 1 and li Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Opening and ending tag mismatch: div line 1 and li Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a expected '>' Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: div line 1 and li Opening and ending tag mismatch: div line 1 and ul Specification mandate value for attribute uk-toggle attributes construct error Couldn't find end of Start Tag a line 1 Specification mandate value for attribute uk-navbar-toggle-icon Opening and ending tag mismatch: div line 1 and a Opening and ending tag mismatch: li line 1 and div Opening and ending tag mismatch: div line 1 and nav Opening and ending tag mismatch: li line 1 and div Specification mandate value for attribute flip attributes construct error Couldn't find end of Start Tag div line 1 Specification mandate value for attribute uk-close attributes construct error Couldn't find end of Start Tag button line 1 Opening and ending tag mismatch: div line 1 and button Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-search-icon Specification mandate value for attribute required attributes construct error Couldn't find end of Start Tag input line 1 Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 xmlParseEntityRef: no name Opening and ending tag mismatch: div line 1 and header Opening and ending tag mismatch: meta line 1 and li Opening and ending tag mismatch: meta line 1 and li Opening and ending tag mismatch: meta line 1 and li Opening and ending tag mismatch: li line 1 and ul Opening and ending tag mismatch: li line 1 and nav Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: li line 1 and div Opening and ending tag mismatch: ul line 1 and div Opening and ending tag mismatch: nav line 1 and div Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Entity 'nbsp' not defined Opening and ending tag mismatch: div line 1 and article Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Opening and ending tag mismatch: div line 1 and article Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Opening and ending tag mismatch: div line 1 and article Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: hr line 1 and div Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Entity 'nbsp' not defined Specification mandate value for attribute uk-grid Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: div line 1 and article Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Entity 'nbsp' not defined Specification mandate value for attribute uk-grid Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: div line 1 and article Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Entity 'nbsp' not defined Specification mandate value for attribute uk-grid Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: div line 1 and article Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Specification mandate value for attribute uk-grid Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: div line 1 and article Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Entity 'nbsp' not defined Entity 'nbsp' not defined Entity 'nbsp' not defined Entity 'nbsp' not defined Specification mandate value for attribute uk-grid Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: div line 1 and article Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Entity 'nbsp' not defined Entity 'nbsp' not defined Specification mandate value for attribute uk-grid Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: div line 1 and article Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Specification mandate value for attribute uk-grid Opening and ending tag mismatch: hr line 1 and div Opening and ending tag mismatch: div line 1 and article Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and a Opening and ending tag mismatch: a line 1 and div Entity 'nbsp' not defined Entity 'nbsp' not defined Opening and ending tag mismatch: div line 1 and article Opening and ending tag mismatch: article line 1 and div Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-margin Entity 'hellip' not defined Specification mandate value for attribute uk-pagination-next Opening and ending tag mismatch: article line 1 and div Opening and ending tag mismatch: article line 1 and main Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: source line 1 and picture Opening and ending tag mismatch: picture line 1 and div Specification mandate value for attribute uk-grid Opening and ending tag mismatch: hr line 1 and div Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-grid Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-scroll Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Specification mandate value for attribute uk-scroll Specification mandate value for attribute alt attributes construct error Couldn't find end of Start Tag img line 1 Opening and ending tag mismatch: hr line 1 and div Specification mandate value for attribute uk-grid xmlParseEntityRef: no name Entity 'emsp' not defined Entity 'emsp' not defined Specification mandate value for attribute uk-grid Specification mandate value for attribute uk-totop attributes construct error Couldn't find end of Start Tag a line 1 Opening and ending tag mismatch: div line 1 and a Opening and ending tag mismatch: div line 1 and footer Opening and ending tag mismatch: footer line 1 and body Opening and ending tag mismatch: div line 1 and html Premature end of data in tag article line 1 Premature end of data in tag article line 1 Premature end of data in tag div line 1 Premature end of data in tag article line 1 Premature end of data in tag div line 1 Premature end of data in tag article line 1 Premature end of data in tag div line 1 Premature end of data in tag article line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag article line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag main line 1 Premature end of data in tag li line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag li line 1 Premature end of data in tag ul line 1 Premature end of data in tag div line 1 Premature end of data in tag nav line 1 Premature end of data in tag div line 1 Premature end of data in tag div line 1 Premature end of data in tag link line 1 Premature end of data in tag link line 1 Premature end of data in tag meta line 1 Premature end of data in tag meta line 1 Premature end of data in tag head line 1 Premature end of data in tag html line 1

CCRA

CCRA

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

View Course Options to Work Towards your CCRA.

 

How to Apply for the CCRA Designation

Submit the following to the NACM Education Department:

  1. The Education Department Registration Form.
  2. Course grade transcripts for Basic Financial Accounting and Financial Statement Analysis 1 if not taken through NACM-National.
  3. Official college transcripts. Transcripts must be received directly from your college.
  4. The CCRA Registration Form.

How to Complete the Required Courses:

Basic Financial Accounting

The basic financial accounting course should be completed before the financial statement analysis course. The Basic Financial Accounting course requirement can be fulfilled by successfully completing either:

  1. One full semester or two quarters of basic financial accounting at a college or
  2. NACM-National's online accounting course. This course is an appropriate method of study for those with some accounting experience or a basic working knowledge of accounting or
  3. Your local NACM Affiliated Association sponsored course.

Financial Statement Analysis 1

The Financial Statement Analysis 1 course requirement can be fulfilled by successfully completing either:

  1. One full semester or two quarters of basic financial statement analysis at a college
    or
  2. NACM-National's online Financial Statement Analysis 1 course through the NACM Credit Learning Center, or
  3. The certificate session, when offered at NACM's National Headquarters or
  4. Your local NACM Affiliated Association sponsored course.

Financial Statement Analysis 2: Credit and Risk Assessment

The Financial Statement Analysis 2: Credit and Risk Assessment course requirement can be fulfilled by successfully completing either:

  1. The certificate session when offered at NACM's National Headquarters or
  2. The certificate session when offered at NACM's Credit Congress

About CEUs

The Continuing Education Unit (CEU) is designed to facilitate recording, accumulating and exchanging standardized information about individual participation and learning achievement in continuing education experiences. The CEU concept is designed to accommodate a wide variety of continuing education opportunities. The number of CEUs to be awarded can be determined only after the program or activity has been designed and the schedule has been established. It provides individuals with recognition for their efforts to update or broaden their knowledge, skills or attitudes. Probably the two most common uses of a CEU record or transcript by the individual learner are:

  • To supply an employer or prospective employer with information on continuing education and training experiences pertinent to professional competence and
  • To provide documentation to registration boards, certification bodies or professional and occupation organizations of continuing education undertaken to maintain or increase professional competence.

An increasing number of companies and organizations now include copies of CEU transcripts in employee personnel files or add such information to their human resource inventory for use when personnel evaluation and promotions are being considered.

What Is a CEU?

The continuing education unit is a standard of measure for continuing education or training. The criteria was developed by the International Association for Continuing Education and Training (IACET). IACET defines the CEU “as ten contact hours of participation in an organized continuing education experience under responsible sponsorship, capable direction, and qualified instruction.” In other words, one CEU equals 10 hours of instruction included in a specified continuing education program or activity.

The number of contact hours of instruction and appropriate CEUs to be awarded are determined prior to conducting a learning experience. The award can only be made after the purpose and intended learning outcomes, requirements for satisfactory completion, content and content level, format, instructional methodology, instructional staff and time schedule of the program have been established. A decision to award CEUs cannot be made after the program or activity has been offered.

The 60-minute clock is used as the contact hour in all continuing education experiences. Only the number of complete instruction hours is considered in assigning CEUs. To determine the number of contact hours, count the hours in the program and subtract refreshment breaks, lunches and other activities not directly part of the instructional experience. The following are not included when calculating the number of instructional contact hours for any continuing education experience:

  • Time for study, assigned reading and other related activities outside of the classroom or meeting schedule;
  • Meeting time devoted to business or committee activities;
  • Meeting time devoted to announcements, welcoming speeches or organizational reports;
  • Time allocated to social activities, refreshment breaks, luncheons, receptions, dinner and so forth. Time devoted to a luncheon or dinner presentation, integral to the continuing education experience, may be included in calculating instructional contact hours;
  • General sessions of meetings, conferences and conventions. However, specially organized courses, workshop, or seminars held in conjunction with such meetings qualify.

The requirements for satisfactory completion must be established prior to the offering of the program or activity through mutual agreement of the program coordinator and program instructor. Requirements may be based on the ability of participants to demonstrate what they have learned or some predetermined level of attendance (at least 80%) or a combination of performance and attendance. If CEU earnings are based on attendance, they should be documented by such means as earnings records, attendance rosters or sign-in sheets.

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As the advocate for business credit and financial management professionals NACM and its network of Partners take great pride in being the primary learning, knowledge, networking and information resource for commercial creditors nationwide.

NACM membership begins with a local NACM partner. Join our network today!

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Columbia, MD 21045
Phone: 410-740-5560
Fax: 410-740-5574
Email: nacm_national@nacm.org

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