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  1. Programs
  2. Credit Business Associate (CBA)

Credit Business Associate (CBA)

National Association of Credit Management

Certification

Become a contributor for free to openly demonstrate student outcomes, industry alignment & eligibility criteria.

The Credit Business AssociateSM (CBASM) is an academic-based designation which signals mastery of three business-credit related disciplines.

Cost

The Education Department Registration form, with applicable fee ($175 for NACM members, $350 for non-NACM members). The CBA Designation Application form, with applicable fee ($270 for NACM members, $540 for non-NACM members).Show moreShow less

Format

Online

Eligibility Calculator

Which aid programs apply to this program?

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Program Pathways

Credentials this program stacks toward

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Program Details

Detailed information about this program

How to Apply for the CBA Designation Submit the following to the NACM Education Department: The Education Department Registration form, with applicable fee ($175 for NACM members, $350 for non-NACM members). The CBA Designation Application form, with applicable fee ($270 for NACM members, $540 for non-NACM members). You should submit your course grade transcripts with this application. A copy of your resume. Official college transcripts. Transcripts must be received directly from your college. Once you've qualified, you may take the CBA Designation Exam. The three-hour exam is offered three times a year nationwide at local NACM Affiliated Association offices and once a year at NACM's Credit Congress. NACM provides a Study Guide/Outline of relevant texts and topics. NACM also offers CBA review sessions through the Credit Learning Center. The Credit Business AssociateSM (CBASM) 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.

Requirements

What you need to earn this credential

No requirements listed.

Financial Aid

Eligible funding programs

No funding information available.

Scholarships

No scholarships listed.

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Locations

Where this program is offered

No locations specified.

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Related Programs

Programs related to this one

No related programs.

Skills & Competencies

Skills developed through this program

  • Knowledge of Credit in the Business World and Its Role in Commerce
  • Organize and Manage Credit Department Operations
  • Develop and Manage the Credit and Sales Partnership
  • Knowledge of Legal Forms of Business and the Legal Environment of Credit
  • Apply the Uniform Commercial Code In Credit and Business Transactions
  • Develop and Implement Credit Policy and Procedures
Career Pathways

Occupations this program prepares you for

  • Credit Analysts13-2041.00
  • Credit Authorizers, Checkers, and Clerks43-4041.00
  • Financial Specialists, All Other13-2099.00
What You'll Learn

Key competencies developed through this program

Auto-populated·from NSX Competency Framework

Mastery: developing (Level 2)(based on Certification)

  • Credit data and financial statements — analyze with reduced oversight to assess degree of risk involved in extending credit across routine commercial loan requests.
  • Loan application packages — prepare independently, including comprehensive credit analyses and narrative summaries of loan requests, for timely submission to loan committees.
  • Financial ratios — generate and interpret using specialized financial analysis software to evaluate customer financial status across a portfolio of active accounts.
  • Credit risk reports — produce with consistent accuracy, articulating risk levels and supporting data clearly for use by lending officers and committee members.
  • Income growth, management quality, and market share data — analyze routinely to project expected profitability of proposed loans within familiar industry segments.
  • Liquidity, profitability, and credit history comparisons — conduct across similar establishments in the same industry and geographic market using information retrieval software.
  • Customer complaints and disputed financial transactions — resolve through direct consultation, applying active listening and social perceptiveness to reach satisfactory outcomes.
  • ERP and document management systems — navigate proficiently to maintain accurate credit files and support content workflow processes within the lending department.
  • Written credit summaries and analytical memos — compose clearly and concisely for internal stakeholders, reflecting strong reading comprehension and writing skills.
  • Time management practices — apply to balance competing loan review deadlines and maintain throughput across an assigned portfolio of borrower cases.

Some details on this page are auto-populated from public workforce data sources: O*NET (opens in new tab), BLS (opens in new tab), College Scorecard (opens in new tab), DOL Training Provider Results (opens in new tab), NSX (opens in new tab). Provided in partnership with LER.me Career Intelligence.

Student Outcomes

Performance metrics for this program

Auto-populated·from Scorecard + DOL
Completion Rate
75%
Placement Rate
100%