Ron Wells maintains a free access, credit management resources web site at: www.BarrettWells.co.uk. He has delivered numerous presentations relating to credit and performance risk management, and taught several classes in related subjects; see www.barrettwells.com for details and copies. Both sites include a Google Search facility. Ron is the author of Global Credit Management, an Executive Summary published by John Wiley & Sons. This concise work describes the essence of effective credit management, which too often is a passive and reactive discipline within a company. It includes practical guidance to equip a reader with the basic tools necessary to establish a holistic credit management discipline within a business. The Mandarin Chinese (simplified characters) version of Global Credit Management was published by T3P LIMITED in July 2007, titled Huan Xin Ping Heng Biao Shang De Shui Shi - Awaken the Sleeping Lion on the Balance Sheet. See www.t3plimited.com (Chinese version: www.t3plimited.net) for details. Ron is a Certified Credit Executive (CCE), a Chartered Management Accountant (ACMA), a qualified International Banker (ACIB) and a Chartered Corporate Secretary (FCIS). He participated in the NACM Graduate School for Credit and Financial Management in 1996/97, passed with distinction and was elected Best Student. Ron joined Cargill International Trading Pte Ltd in February 2011, as Asia Credit Manager for the Energy, Transportation and Ferrous Metal commodity trading platforms. Ron is now based in Singapore. Previously Ron worked for RBS Sempra Commodities in London, as Vice President - Credit Risk Management, from October 2007 and became Executive Director of Counterparty Risk Analysis and Portfolio Management EMEA, with J.P. Morgan’s Global Commodities Group when the latter purchased the former on July 1, 2010. Prior to October 2007 Ron was Credit Manager for Global Supply & Trading with Chevron Corporation for 16 years. Ron earlier worked for various companies and commercial banks becoming a specialist in financial analysis, corporate credit management, trade operations management and trade finance-related marketing. Ron specialises in counterparty risk management, which demands a broad range of knowledge and skills, as well as an extensive network of contacts. His most significant experience is related to pro-actively supporting the physical trading of commodities and to trade finance.