FBLA Regional Competition

1. Electronic Portfolio
Bethany Jo Schmitt

2. Table of Contents
Background Information Future Career: Credit Analyst
Contact Information Credit Analyst Field
Education Career Summary
Resume Money/Salary
Activities Employment Outlook
Letter of Recommendation Career Research
Community Service Activities Special Skills
Marketing Project Career Goals
Sample 1 and Sample 2 Becoming Qualified
Accomplishments Job Locations
Achievements and Awards Review
Sample 1 and Sample 2 Sources of Information

3. Background Information

4. Contact Information
First Name: Bethany
Last Name: Schmitt
Date of Birth: April 5, 1994
Address: S3063 State Road 95
Fountain City, WI 54629
Telephone: (608) 687-8717
Cell Phone: (507) 450-7866
Email: jojoschmitt@hotmail.com

5. Cochrane-Fountain City
High School
August 2008-2012
Courses Completed:
College Prep Writing
College Prep Literature
COOP Business Education
Personal Finance
Business Procedures
Document Processing I & II
Advanced Algebra/Trigonometry
GPA: 3.659

6. Resume Bethany J.
Schmitt
S3063 State Road 95
Fountain City, WI 54629
(608) 687-8717
jojoschmitt@hotmail.com
Job Objective: Honors:
To obtain a job at a Financial Institution as a Credit Analyst. FBLA National Winner FBLA Business Presentation
FBLA Emerging Business Issues FBLA Intro. To Parli. Pro
Work Experience: FBLA Prin. & Pro. FBLA Who’s Who
Bank Teller Volleyball Captain VB 1st Team All Conference
Waumandee State Bank, Fountain City, WI July 2010 – Present Softball Letter Winner SB 2nd Team All Conference
Utilize good communication skills Basketball Letter winner FFA Discovery Degree
Perform daily branch operations FFA Greenhand Degree FFA State Quizbowl
Accept deposits/loan payments FFA Chapter Degree
Process withdrawals VB Winona Daily News Honorable Mention
Reconcile cash drawer
Process daily transactions Activities:
File paperwork FBLA FBLA President
Babysitting FBLA Tri-President FBLA M.S. Liaison
Brian & Wendy Schmitt, Fountain City, WI June 2003 – Present Big Brothers/Big Sisters March of Dimes
Random Acts of Kindness High Honors- Honor Roll
Keith & Karen Engel, Fountain City, WI May - September 2009 Salvation Army Bell Ringing Academic All-Conference
Responsible for care and safety of children FFA Old Time Farm Fest
Maintain a reasonable bedtime Varsity Volleyball Varsity Basketball
Provide nutritional meals and snacks Varsity Softball Silent Auction
Organize educational and physical activities for the children

7. Activities
Future Business Leaders of America (FBLA)
Active Member 2007-2012
Chapter President 2010-2012
Regional, State, and National Competitor 2009-2012
North Central Leadership Conference Attendee 2008, 2011
Wisconsin Fall Leadership Conference Attendee 2009-2010
FFA Organization
Active Member 2007-2012
Discovery, Greenhand, Chapter, and State Degrees
Volleyball/Basketball/Softball
Varsity Level 2009-2012

8. 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

9. Community Service Projects
Tree Planting
Salvation Army Bell Ringing
Volunteering at PTO Book Fair

10. Marketing Project
Our 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.

11. Marketing Project

12. Accomplishments
Four Year Outstanding FBLA Member
Business Achievement Awards
Future
Business
Leader
National FBLA Qualifier
Outstanding Business Student
Who’s Who in Business
United States Achievement Academy

13. Achievements and Awards

14. Achievements and Awards

15. Future Career: Credit Analyst

16. Credit Analyst Field
I 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

17. Career Summary
Credit 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 area
Accounting
Finance
Advanced skills in Microsoft Applications
Experience in a working environment
Team based problem solving
Source: http://www.iseek.org/careers/careerDetail?id=1&oc=100055

18. Money/Salary
A Credit Analyst can expect to make between $28,000
and $110,000 based on their education, training, and
experience.
Employment Outlook for Credit Analysts
Employment Employment Change
2009 2019 Number Percent
US 73,180 84,170 10,990 15%
Minnesota 1,230 1,396 166 13.5%
2006 2016 Number Percent
Central
57 64 7 12.3%
Minnesota
Northeast
21 23 2 9.5%
Minnesota
Northwest
46 53 7 15.2%
Minnesota
Southeast
99 107 8 8.1%
Minnesota
Source: http://www.iseek.org/careers/careerDetail?id=1&oc=100055

19. Employment Outlook
The 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

20. 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 Accounting
Recommended to take as many math and accounting courses
that are available
Advancement opportunities would include different levels
such as: Credit Analyst position, managing a credit
administration department, becoming a CFO or CEO

21. Special Skills Required To Be A
Credit Analyst
Quantitative and qualitative analysis skills
Knowledge of the industries being considered
Know where the jobs are and who is hiring
Written and oral communication skills
Ability to multitask and prioritize
Capability of using financial and spreadsheet software
Source: http://www.onlinedegrees.org/calculator/salary/credit-analysts

22. 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.

23. Becoming Qualified
Training:
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

24. Job Locations
Who’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 unions
Credit card companies
Car and truck dealers
Business 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

25. Review
A 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.

26. Sources of Information
http://www.onlinedegrees.org/calculator/salary/cre
dit-analysts
http://www.iseek.org/careers/careerDetail?id=1&oc
=100055
Jean Pronschinske, Vice President and Human
Resources Representative, Waumandee State Bank