JoAnn Malz, CCE, ICCE, has spent her entire career in credit, growing from Credit Analyst to Director of Global Customer Financial Services. She is currently the Director of Credit, Collections, and Billing with The Imagine Group. JoAnn has been an active member of FORIUS/NACM North Central, NACM and FCIB. She earned her CCE certification in March 1998, FCIB’s CICP designation upon completing the International Credit & Risk Management course in December 2005 and then FCIB’s ICCE designation in January 2012. FORIUS awarded JoAnn with the Credit Executive of the Year in 2007. JoAnn served on the FORIUS Board of Directors, serving as chair from 2011-2012. She has also served on the FCIB Board of Advisors and the NACM National Board of Directors and is currently serving as NACM’s Chair.