Leadership at Credit Management


Our emphasis on client service is exemplified by the ethics and integrity of our senior management staff, positioning CMC as one of the most recommended agencies in the industry. With over a century of combined experience, this team has not only defined who CMC is in the industry, but how CMC will continue to evolve.

Each team member is also always accessible to you, ensuring that you will experience an efficient and managed process. Open communication and a teamwork approach is a philosophy we engage in. Listening and responding to our clients is the premise that CMC was built upon, and we guarantee you will find our partnership beneficial and profitable.

Mary Lou Muti


Mary Lou has been with the organization for over 32 years, acting in the capacities of CFO and Executive Vice President prior to her position as President. Her primary responsibility is overseeing the daily operations and future direction of CMC. In addition she also manages billing, finances, client reports, and information system related matters. She also has the on-going task of assessing new technologies and improvement capabilities. Mary Lou graduated from Butler Community College with an Associates degree in Accounting.

Doug Gilman

Vice President of Operations

Doug joined CMC in 2011 and brought with him over 25 years of experience in the collection and billing industry. His primary responsibility is to oversee the collection, early out, and training & development departments by building and maintaining a skilled, motivated staff with industry experience and knowledge. He ensures compliance with all industry regulations, telephone performance techniques and business system operations. After the U.S. Marine Corps he attended the University of St. Thomas in Minnesota for his Bachelors degree in Finance.

Joel McKiernan

Vice President of Sales

Joel is an essential team member of Credit Management Company, and has over 22 years of experience in the healthcare revenue cycle industry. Joel is very active in the sales arena and an active member of several industry associations. He is responsible for managing and directing our sales force and new market and product development. Joel received a B.S. in Business Administration from the University of North Carolina at Charlotte..

Melissa Zurich

Marketing Director

Melissa joined CMC in 2004 and has over 19 years of creative and technical marketing experience. She is responsible for setting the overall marketing strategy of the company which entails brand management, positioning, internal and external communications, marketing information systems, promotions, advertising, collateral development, sponsorships, and marketing research needs. She received a B.S. in Marketing from Penn State University and attended the University of Houston for her MBA studies.