Marilyn Schwindler, seasoned credit management expert, has spent over five decades honing her skills at Upstate Niagara Coop, where she began as an IT professional and transitioned into the Credit and Collections Department in 1995. As Assistant Credit Manager, she has worked closely with the financial team, customers, and industry associations, including NACM, where she serves on the Advisory Board. Her expertise in accounts receivable, credit analysis, and financial reporting has been instrumental in resolving debt issues and driving business growth. Throughout her tenure, Marilyn has demonstrated exceptional customer service skills, working closely with clients to resolve disputes and ensure timely payments. Her proficiency in forecasting, budgeting, and cash flow management has enabled her to optimize financial performance and drive business success. Her commitment to staying up-to-date with industry developments has earned her a reputation as a trusted and knowledgeable credit management professional. Marilyn holds a Bachelor of Science degree in Business/Computer from State University of New York at Buffalo, a testament to her academic rigor and dedication to her field. With over 58 years of experience, she has established herself as a trusted authority in credit management, with a proven track record of driving business growth and success.