Humberto Ebling is an experienced credit and collections consultant with almost six years of experience. His expertise has been developed servicing Bayer's distributors in Rio Grande do Sul, Brazil in various aspects of credit, collections, risk analysis, financial statements analysis, Barter, CRA, debt negotiation, and implementation of credit and collection policies. As a consultant, Humberto has also provided useful advisory services to his clients on governance and corporate finance. Prior to his current role at Imexsul Insumos Agrícolas, he owned a health food restaurant chain and worked as an accountant and finance manager in several Brazilian companies. Humberto holds a degree in Accounting from the Universidade Federal de Santa Maria.