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Credit Business Management Program Code 101145

Associate Degree

Offered at the Green Bay campus. For information: (920) 498-5444. Toll-free: (888) 385-6982.

This program is fully eligible for financial aid.

Credit Business Management prepares learners for careers in credit management. The learners will comprehend the concepts of leadership, demonstrating promotion, control, and collection of consumer and business transactions.

Employment Potential

A graduate of the program will have the potential for employment in the following areas:

Credit Manager Trainee: learns all phases of operating a business or financial institution credit department, usually in preparation for a management position.

Assistant Credit Manager: assists a department or branch manager in all phases of operation, including the extension, collection, and control of credit.

Credit Specialist: supports the credit process in the application of cash receipts, collection calls, and problem resolution.

Collection Specialist: contacts consumers or businesses to arrange payments and may become involved with legal aspects of collections.

Personal Banker: assists customers in opening accounts, explains bank services, and becomes involved in other financial institution services.

Loan Officer: processes and investigates applications for credit and makes decisions on loan applications.

With additional education and/or work experience, graduates may find other opportunities for employment.

. Credit Manager
. Commercial Banker

Note

. Learners interested in double majoring in Accounting or Financial Institutions Management should consult with an instructor.
. Refer to the program website for information on accelerated learning and for helpful tips that will assist you in achieving the highest quality and most rewarding academic experience.
. Most credits from this degree can be transferred to some four-year colleges for learners interested in pursuing a bachelor’s degree.

The following certificates/technical diplomas may be applied toward this program:

. 908094, Leadership in Human Relations Certificate

Program Outcomes

. Adhere to internal credit policies and procedures.
. Process credit applications.
. Conduct credit investigations.
. Analyze business and consumer financial statements.
. Make credit decisions.
. Use credit related documents.
. Contact customers regarding outstanding balances.
. Negotiate payment proposals with customers.
. Resolve collection issues/problems.
. Resolve discrepancies in customers' accounts.
. Assess how economic policies and changes in the level of business activity affect the credit industry.
. Deliver effective customer service.
. Evaluate the performance of a credit department.
. Demonstrate state and federal laws.
. Manage the work of other people in a team environment.
. Use an electronic word processing computer program.
. Use an electronic spreadsheet computer program.
. Perform basic business math calculations.

Requirements for Program Entry

. Completed application.
. High school transcript or equivalent. (For a list of equivalents, go to www.nwtc.edu/gettingstarted.)
. Basic math.
. Ability to use computer keyboard.
. As a requirement for program entry, an Academic Skills Assessment (Accuplacer) with appropriate benchmark scores is necessary. Admission Benchmarks are: Reading Comprehension: 55; Arithmetic: 34; Sentence Skills: 60. However, we recommend a student receive the following scores to be successful in this program. Reading Comprehension: 68; Arithmetic: 34; Sentence Skills: 60. Remediation options are available to reach recommended scores. Equivalent assessment scores are acceptable. To learn more about these assessments and program benchmark scores, please contact a counselor at (920) 498-5444 or (888) 385-6982.

Curriculum

The Credit Business Management Associate Degree is an accelerated program. Upon graduation, a student will have completed 67 credits.

FIRST SEMESTER
10-102-158 Business-Introduction
3
10-103-121 Micro: Word-Intro
1
10-103-131 Micro: Excel-Intro
1
10-103-132 Micro: Excel-Part 2
1
10-114-111 Credit-Consumer
4
10-114-117 Credit-Business
4
10-801-136 English Composition 1
3
SEMESTER TOTAL
17
SECOND SEMESTER
10-101-110 Accounting 1
4
10-102-150 Business Law & Ethics
3
10-114-121 Credit-Management Practices
3
10-114-166 Credit-Collection Methods
3
10-801-196 Oral/Interpersonal Comm
3
SEMESTER TOTAL
16
THIRD SEMESTER
10-114-101 Credit-Business Applications
3
10-114-170 Credit-Law
3
10-804-123 Math w Business Apps
3
10-809-195 Economics
3
10-809-199 Psychology Of Human Relations
3
SEMESTER TOTAL
15
FOURTH SEMESTER
10-102-100 Bus and Info Tech Occup Prep
1
10-102-181 Financial Statement Analysis
4
10-114-122 Credit-Customer Serv/Sales
3
10-114-199 Credit-Internship Practicum
2
10-809-166 Intro to Ethics: Theory & App
3
10-809-172 Race Ethnic & Diversity
3
Elective
3
SEMESTER TOTAL
19
TOTAL CREDITS
67

Curriculum Note
The courses beginning with course numbers 10-114-xxx are delivered in an Accelerated Learning format. These courses have a compressed schedule. The competencies learned in an accelerated class are exactly the same as those in a traditional class. Students are expected to do most assignments outside of class time.

Suggested Electives
Any course in the Financial Institutions Management or Accounting program.

COURSE DESCRIPTIONS

These courses provide an opportunity for students to develop the knowledge, skills, and understanding required for employment in this field.

10-101-110 ACCOUNTING 1 ...accounting principles, financial statements, business transactions, accounting cycles/systems, specialized journals, accounting for cash and receivables for sole proprietorships in service or merchandising businesses.

10-102-100 BUS AND INFO TECH OCCUP PREP ...career exploration, self exploration, career planning, career placement, job seeking skills.

10-102-150 BUSINESS LAW & ETHICS ...common law contracts and sales contracts: formation, interpretation, performance, and discharge; the law of agency; corporations; and introduction to the American legal system: criminal and tort law, and global business issues.

10-102-158 BUSINESS-INTRODUCTION ...organization/management process of human resources, production, operations, marketing, distribution, and finances; risk management; ethics/legalistic management; international business; accounting, computers, and data processing.

10-102-181 FINANCIAL STATEMENT ANALYSIS ...types of financial statements, analyze financial statements, research company data, perform industry research, examine SEC 10-K and annual report, and write financial analysis report. Highly recommended to be taken in the 4th semester or that the learner have applicable credit or accounting work experience. (Prerequisite: 10-101-110, Accounting 1)

10-103-121 MICRO: WORD-INTRODUCTION ...word processing basics including creating, revising, formatting, and printing; sections, tabs, multiple-page numbering; manipulating text; creating headers/footers; creating and formatting tables, graphics; and merging documents. Requires Windows experience.

10-103-131 MICRO: EXCEL-INTRODUCTION ...creating a worksheet, enhancing worksheet appearance, moving and copying data, using formulas and functions, creating charts and using clip art. Requires Windows experience.

10-103-132 MICRO: EXCEL-PART 2 ...advanced formatting techniques and functions, working with templates, collaborating with multiple Excel users, Excel's database features and analysis tools. Requires prior completion of Excel Intro.

10-114-101 CREDIT-BUSINESS APPLICATIONS ...credit, sales, purchasing, shipping, receiving, accounts receivable, accounts payable, and collection procedures, prepare/analyze financial statements, use Excel to solve financial problems, amortization, breakeven, depreciation, gain/loss, and inventory. (Prerequisite: 10-101-110, Accounting 1)

10-114-111 CREDIT-CONSUMER ...the role of consumer credit, loan processes, collections, financial advising and counseling; loan, promotion, and bank policies; consumer, commercial, mortgage loans, and credit cards.

10-114-117 CREDIT-BUSINESS ...credit in the business world and company, organizing credit department, policies, procedures, terms of sale, credit investigations, evaluate credit worthiness, support credit decisions, credit forms, international credit and business fraud. (Prerequisite: 10-114-111, Credit-Consumer)

10-114-121 CREDIT-MANAGEMENT PRACTICES ...manager's responsibilities/environment, planning, problem solving, organizational structure/cultures, staffing/human resources, leadership/teamwork, motivational techniques, communications, management controls, ineffective performers, and ethical business practices. (Prerequisite: 10-114-167, Finance-Commercial Lending or 10-114-117, Credit-Business)

10-114-122 CREDIT-CUSTOMER SERVICES & SALES ...customer service and sales issues faced by a business credit department, proper phone and face-to-face etiquette with credit customers, and deduction resolution. (Prerequisite: 10-114-166, Credit-Collection Methods)

10-114-166 CREDIT-COLLECTION METHODS ...know your debtor, collection laws, pre-legal and legal methods used in collections, negotiating payment proposals, NSF checks, skip tracing, and bankruptcy. (Prerequisite: 10-114-167, Finance-Commercial Lending or 10-114-117, Credit-Business or 10-114-109, Credit-Policies/Procedures)

10-114-170 CREDIT-LAW ...Uniform Commercial Code, credit regulations, Wisconsin Consumer Protection Law, collection law, and bankruptcy. (Prerequisite: 10-114-167, Finance-Commercial Lending or 10-114-117, Credit-Business or 10-114-109, Credit-Policies/Procedures)

10-114-199 CREDIT-INTERNSHIP PRACTICUM ...practical hands-on experience applying skills developed in the program at an approved site with supervision by an employer and the instructor with related projects and discussion. (Pre/Corequisite: 10-102-100, Bus and Info Tech Occup Prep)

10-801-136 ENGLISH COMPOSITION 1 ...learners develop knowledge/skills in planning, organizing, writing, editing. Students will also analyze audience/purpose, use elements of research, format documents using standard guidelines, and develop critical reading skills. 3 cr.

10-801-196 ORAL/INTERPERSONAL COMMUNICATION ...the communication process, perception and self-concept, language, listening, nonverbal communication, interpersonal relationships, communication in groups and public communication; prepare and deliver an oral presentation. 3 cr.

10-804-123 MATH W BUSINESS APPS ...real numbers; basic operations; proportions/one variable; percents, simple/compound interest; annuity; apply math concepts to purchasing/buying process, selling process; and basic statistics with business/consumer applications. (Prerequisite: Recommendation:Accuplacer Arithmetic = 65). 3 cr.

10-809-195 ECONOMICS ...scarcity, resources, alternative economic systems, growth, supply and demand, monetary and fiscal policy, inflation, unemployment, and global economic issues. 3 cr.

10-809-199 PSYCHOLOGY OF HUMAN RELATIONS ...decision making, motivation, conflict resolution, learning strategies, growth and adjustment, diversity, psychological theories, relationships, psychological disorders, stress, career analysis, social psychology, and lifespan development. 3 cr.

10-809-166 INTRO TO ETHICS: THEORY & APP ...basic understanding of theoretical foundations of ethical thought; analyze/compare relevant issues using diverse ethical perspectives; critically evaluate individual, social/professional standards of behavior--applying a systematic decision-making process. 3 cr.

10-809-172 RACE ETHNIC & DIVERSITY ...basic American values of justice and equality by teaching vocabulary, history of immigration/conquest, transcultural communication, legal liability, multicultural majority/minority relations, ageism, sexism, gender, sexual orientation, the disabled/ADA. 3 cr.


business management at work