Eddy A. Sumar, MBA, CCE, CICE, and CEW, is the Founder of ER$ Consulting Services in Rancho Cucamonga, California; he is an International Trade Financing Consultant; a Consultant for the Center for International Trade Development (CITD); a member of the Guidepoint Global Advisors, and an Associate of Quote 2 Cash (Q2C). Mr. Sumar has a Bachelor degree in Business Administration (B.B.A.) from Bethlehem University, Bethlehem, West Bank where he enjoyed a Fulbright scholarship and graduated as Valedictorian. He also obtained his MBA with distinction from Leicester University, Leicester, UK. Mr. Sumar has 22+ years of experience in the credit and collection field. He is an Alumnus of GSCFM and received the NACM/Robert Half Student of the Year Award in 2000, the Best Article Award in 2003, and the CCE Designation of Excellence Award in 2004. He is the recipient of the CMA 2006 Credit Executive of the Year Award. Mr. Sumar is a public speaker and enjoys writing and traveling. He is the author of 'From the Cutting Board to the Cutting Edge: Re-inventing Credit in the 21st Century,' published by NACM; A Treasure Hunt with Otis-Acquiring the Wisdom Needed to Navigate the Journey of Life, published by Xlibris 2008, and The Hidden Dreams-Prospecting for the Precious Resource of Untapped Youthful Energy, published by Xlibris, 2010.