Electronic Portfolio

Bethany Jo Schmitt

Table of ContentsBackground Information

Contact InformationEducationResumeActivitiesLetter of RecommendationCommunity Service ActivitiesMarketing Project

Sample 1 and Sample 2AccomplishmentsAchievements and Awards

Sample 1 and Sample 2

Future Career: Credit AnalystCredit Analyst FieldCareer SummaryMoney/SalaryEmployment OutlookCareer ResearchSpecial SkillsCareer GoalsBecoming QualifiedJob LocationsReviewSources of Information

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Background Information

Contact InformationFirst Name: BethanyLast Name: Schmitt

Date of Birth: April 5, 1994Address: S3063 State Road 95Fountain City, WI 54629

Telephone: (608) 687-8717Cell Phone: (507) 450-7866Email: jojoschmitt@hotmail.com

Cochrane-Fountain City High School

August 2008-2012Courses Completed:

College Prep WritingCollege Prep LiteratureCOOP Business EducationPersonal FinanceBusiness ProceduresDocument Processing I & IIAdvanced Algebra/Trigonometry

GPA: 3.659

Resume Bethany J. SchmittS3063 State Road 95

Fountain City, WI 54629(608) 687-8717

jojoschmitt@hotmail.comHonors:

FBLA National Winner FBLA Business Presentation

FBLA Emerging Business IssuesFBLA Intro. To Parli. Pro

FBLA Prin. & Pro.FBLA Who’s Who

Volleyball CaptainVB 1st Team All

ConferenceSoftball Letter Winner

SB 2nd Team All ConferenceBasketball Letter winnerFFA Discovery DegreeFFA Greenhand Degree

FFA State QuizbowlFFA Chapter Degree

VB Winona Daily News Honorable Mention

Activities:

FBLA

FBLA PresidentFBLA Tri-President

FBLA M.S. LiaisonBig Brothers/Big Sisters

March of DimesRandom Acts of KindnessHigh Honors- Honor RollSalvation Army Bell Ringing

Academic All-ConferenceFFA

Old Time Farm FestVarsity Volleyball

Varsity BasketballVarsity Softball

Silent Auction

Job Objective:To obtain a job at a Financial Institution as a Credit Analyst.

Work Experience:Bank TellerWaumandee State Bank, Fountain City, WI July 2010 – Present

Utilize good communication skillsPerform daily branch operationsAccept deposits/loan paymentsProcess withdrawalsReconcile cash drawerProcess daily transactionsFile paperwork

BabysittingBrian & Wendy Schmitt, Fountain City, WI June 2003 – Present

Keith & Karen Engel, Fountain City, WI May - September 2009

Responsible for care and safety of childrenMaintain a reasonable bedtimeProvide nutritional meals and snacksOrganize educational and physical activities for the

children

Activities Future Business Leaders of America (FBLA)

Active Member 2007-2012Chapter President 2010-2012Regional, State, and National Competitor 2009-2012North Central Leadership Conference Attendee 2008, 2011Wisconsin Fall Leadership Conference Attendee 2009-2010

FFA OrganizationActive Member 2007-2012Discovery, Greenhand, Chapter, and State Degrees

Volleyball/Basketball/SoftballVarsity Level 2009-2012

Letter of Recommendation Dear Ladies and Gentlemen:

I am writing this letter of recommendation for Bethany Schmitt who is a senior at Cochrane-Fountain City High School where I am the business teacher and advisor of the Future Business Leader of America (FBLA). I have known Bethany for six years. She is definitely an outstanding student and person. Bethany currently serves as president of the Future Business Leaders of America; a position she has held for two years.

Bethany has taken a number of business classes, and I find her to be a hard working student with good computer, desktop publishing, and word processing skills. She is punctual and prepared for class. Bethany takes an active interest in the projects and tasks at hand. She is a self-confident young woman who sets high goals for herself. In class I appreciate the fact that she is always ready and willing to pitch in whenever something needs to be done. That was very evident in our recent pasta dinner fundraiser. Bethany wasn’t afraid to volunteer for a number of duties which contributed to the success of the event.

She takes her education seriously and is an active participant in her school and community. Administration and staff see her as a person who can be trusted, who volunteers her time when no one else will, and who is dedicated to improving her school and community. Bethany is professional and eager to learn in all settings, and I am able to rely on her leadership capabilities to help other students. She serves as a role model for younger students by her participation in the Future Business Leaders of America (FBLA) FBLA Big Brother/Big Sister program.

I am happy to write this letter of recommendation for Bethany Schmitt. She has the drive, desire, humor, sensibility, and leadership to be successful in her future endeavors. If you have any questions, please feel free to call me at (608) 687-4391, and I will be happy to answer any questions you may have.

Sincerely,

Terri Roemer

Business Instructor and FBLA Advisor

Community Service Projects

Salvation Army Bell Ringing

Volunteering at PTO Book Fair

Tree Planting

Marketing ProjectOur Coop Business Education class created a company called “Pastabilities.” We held and organized a pasta dinner during a high school basketball game. The class developed a mission statement, goals, contingency plan, materials list, employee’s responsibilities, public service announcement, as well as ads for the local newspaper. After the dinner, we discussed the positives and negatives of the dinner and created a business plan.

Marketing Project

AccomplishmentsFour Year Outstanding FBLA Member Business Achievement Awards

FutureBusinessLeader

National FBLA QualifierOutstanding Business StudentWho’s Who in BusinessUnited States Achievement Academy

Achievements and Awards

Achievements and Awards

Future Career: Credit Analyst

Credit Analyst FieldI have thoroughly researched the Credit Analyst field and am determined to provide quality service to my employer.My understanding and research into the Credit Analyst field is present in the following slides.

Image Source: http://www.onlinedegrees.org/calculator/salary/credit-analysts

Career SummaryCredit Analyst: Responsible for assisting the management of credit customers, assessment of their credit worthiness, establishing limits on credit, as well as negotiating resolution with past due accounts.Requirements:

Bachelor’s Degree in a business related areaAccountingFinance

Advanced skills in Microsoft ApplicationsExperience in a working environmentTeam based problem solving

Source: http://www.iseek.org/careers/careerDetail?id=1&oc=100055

Money/SalaryA Credit Analyst can expect to make between $28,000 and $110,000 based on their education, training, and experience.

Employment Employment Change

2009 2019 Number PercentU S 73,180 84,170 10,990 15% Minnesota 1,230 1,396 166 13.5% 2006 2016 Number PercentCentral Minnesota 57 64 7 12.3%

Northeast Minnesota 21 23 2 9.5%

Northwest Minnesota 46 53 7 15.2%

Southeast Minnesota 99 107 8 8.1%

Employment Outlook for Credit Analysts

Source: http://www.iseek.org/careers/careerDetail?id=1&oc=100055

Employment OutlookThe need for Credit Analysts depends on the state of

the economy. When the economy is weak, fewer people apply for home, car, and business loans.

Thus, fewer Credit Analysts will be needed to analyze these loan applications. In addition,

growth in this occupation will be slowed by the increased use of computers. Many credit companies use computers to analyze applicant's financial information. This reduces the amount of work analysts must do before they prepare their reports. As a result, analysts can process more applications.

Source: http://www.iseek.org/careers/careerDetail?id=1&oc=100055

Career Research Informational Interview

I had an interview with Jean Pronschinske who is the Vice President and Human Resources Representative at Waumandee State Bank. She provided me with information that was helpful to put into my e-portfolio. I learned:

Recommended education for Credit Analyst is a Bachelor’s Degree in Finance and/or AccountingRecommended to take as many math and accounting courses that are availableAdvancement opportunities would include different levels such as: Credit Analyst position, managing a credit administration department, becoming a CFO or CEO

Special Skills Required To Be A Credit Analyst

Quantitative and qualitative analysis skillsKnowledge of the industries being considered

Know where the jobs are and who is hiring

Written and oral communication skillsAbility to multitask and prioritizeCapability of using financial and spreadsheet software

Source: http://www.onlinedegrees.org/calculator/salary/credit-analysts

Career Goals

My goals are to obtain a four-year degree and gain experience in the finance area. The

first step is to fulfill my goals and achievements in high school. My new goals are to enroll and be accepted into a college of my choosing and successfully complete my course of study in finance. I then plan to obtain a career as a Credit Analyst.

Becoming QualifiedTraining:

The position of a Credit Analyst can be attained with a bachelor’s degree in a business related area, preferably in Accounting or Finance. On the job training is also provided to ensure that you are up-to-date on the current trends and regulations.

Experience:A Credit Analyst should have at least seven years of experience in the field or in a related area. You should be familiar with a variety of the field’s concepts, practices, and procedures.

Source: http://www.iseek.org/careers/careerDetail?id=1&oc=100055

Job LocationsWho’s Employing:

A Credit Analyst is a job that demands experience and certain qualifications. The main employers for a Credit Analyst are:

Bank and credit unionsCredit card companiesCar and truck dealersBusiness management companies

Finding the Job:The most effective way to achieve results is to create an online resume, spread the word through a website, as well as applying for open positions.

Source: http://www.iseek.org/careers/careerDetail?id=1&oc=100055

ReviewA Credit Analyst will evaluate the customers’ financial

status, examine their earnings, savings, debts, and payment history. They will also complete loan

applications and forward them to the loan companies, as well as determine how much risk is involved in lending money for the loans. The diversity of this job allows a person to accumulate a

wealth of experience.I have worked hard in school and in school related activities to develop the credentials to go above and beyond the outlined requirements for this position. It is my goal to be a valuable and respected employee through my hard work and dedication to my job and other employees.

Sources of Informationhttp://www.onlinedegrees.org/calculator/salary/credit-analystshttp://www.iseek.org/careers/careerDetail?id=1&oc=100055Jean Pronschinske, Vice President and Human Resources Representative, Waumandee State Bank