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Industry Credit Groups & Credit Clubs

group meeting
Pennsylvania Association of Credit Management has always been active in the forming and servicing of Industry Credit Groups and a sizable percentage of our member companies belong to a group. Our sponsored groups are organized on a local, regional, and national basis and their primary purpose is to assist the credit executive in making decisions with respect to the extension of credit based on current and accurate information.

Local Industry Groups:

  • Building Trades
  • Construction
  • Electrical Suppliers
  • Floor Covering
  • Food Group
  • Plumbing & Heating Supply
  • Wholesale Lumber

National and Regional Industry Groups:

  • Northeast Regional Metal Group
  • Metal Industry Raw Material Supplies

Why should I join a PACM Industry Trade Group?

Credit groups have proven themselves to be a very effective management tool by providing:

  • An opportunity to exchange information on past paying experience of common customers within a common industry.
  • A means of verifying information, reports and other credit-determining facts which the credit executive can use to his/her own credit decisions.
  • Opportunities to exchange the latest information on department procedures, equipment and other credit management functions.
  • An opportunity to discuss the latest legal rulings pertaining to business credit management.
I have been an active member of the PACM for over twenty years. My involvement extends to the Electrical Suppliers Group. I feel they are of great value in collecting information about our customers for utilization in decision making. Their services enables me to obtain “face to face” information and I have built strong relationships that have been valuable in the prosecution of my duties as a credit manager. Their service has been both essential and beneficial in our business operations. Stephen D. Thomas

Credit Manager, Scott Electric

I have been an active member of PACM for over twenty years. I am involved in both the Construction Group and Building Trades Group. PACM has provided me with valuable credit information enabling me to make better credit decisions and reduce losses. The group meetings provide the opportunity to exchange information on common customers along with discussions on procedures and credit management functions, while building relationships within the group. PACM provides valuable educational and training opportunities for you to succeed as a credit professional. I have found PACM to be very organized, professional and ready to share their credit knowledge. I recommend PACM to anyone in the credit profession. Thomas Yontosh

Corporate Credit Manager, Lezzer Lumber

Meeting Guidelines

Group meetings are monitored by a qualified PACM staff representative and group by-laws are formulated in conjunction with PACM and federal guidelines. These protective measures are established in order to ensure strict compliance with antitrust laws as they apply to the extension of credit. Complying with the law affords protection to the individuals, their companies, the group and PACM.

Credit Clubs


Credo dates back to 1915 and is the oldest continuously running business club in the country and conducts luncheon meetings in the greater Pittsburgh area. Lunch is followed by a guest speaker from various business, economic, educational, and legal professions. These gatherings give credit and financial executives an opportunity to meet and associate with their peers.


The International Business Club meets periodically in the Greater Pittsburgh area. A speaker is provided to update the group on topics related to doing business globally. Topics vary, according to the current world events and market trends.

“Thank you for putting together another International Business Club meeting on January 24th. The speaker, Ryan Russell, from the U.S. Commercial Service was very informative and it is nice to know that we have this free resource available for our use.  It is also great to hear discussion from other companies regarding their International business. Steve Hahn and I find this Club to be a very valuable resource and hope that we are able to continue these meetings going forward.”

David S. Hatazy, Senior Credit Manager, LB Foster Company

“I recently attended your International Business Club meeting on January 24, 2017. Your speaker was Ryan Russell, Senior Trade Specialist with the U.S. Commercial Service in Pittsburgh. I was very impressed with the knowledge and expertise that Ryan brought forward to our meeting. Not only a refresher to what we may know; in addition I learned useful information that will help me with my current position. This was my first time meeting with the group. I wanted you to know I highly recommend that others attend future meetings.”

Donna Gratton, Credit Analyst, Ametek Process Analytical

“Thanks for rekindling the International Business Club. As Universal Electric strives to increase its presence internationally, this renewed initiative from PACM fits very neatly in our endeavors. We all are most fortunate to have someone like Ryan Russell, who is extremely knowledgeable, approachable, and local to boot. We strongly encourage other PACM members to assist in reinstating this valuable Club.”

Vic Woodring – CBF, CICP, Credit Manager, Universal Electric Corporation


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