1. Reva Kishmish 2nd hour Getting Creative Computers
My Future Careers
Reva Kishmish
2nd hour
Getting Creative Computers

2. Top 3 Clusters Financial Examiners Financial Analysts
Insurance Underwriters

3. Financial Examiners 1st career

4. 1st career tasks
Investigate activities of institutions in order to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.
Review and analyze new, proposed, or revised laws, regulations, policies, and procedures in order to interpret their meaning and determine their impact.
Plan, supervise, and review work of assigned subordinates.
Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.
Examine the minutes of meetings of directors, stockholders and committees in order to investigate the specific authority extended at various levels of management.

5. 1st career Interests
Enterprising - Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.
Conventional - Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow

6. 1st career Education
Education - Most of these occupations require a four-year bachelor's degree, but some do not.
Training - Employees in these occupations usually need several years of work-related experience, on-the-job training, and/or vocational training.
Experience - A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.

7. 1st career knowledge and skills
Communications and Media - Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.
Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Writing - Communicating effectively in writing as appropriate for the needs of the audience.
Speaking - Talking to others to convey information effectively.
Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

8. 1st Career Nature Of Work
Monitor the financial condition of banks and other financial institutions
Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities
Prepare reports that detail an institution’s safety and soundness
Examine the minutes of meetings of managers and directors
Recommend solutions to questionable financial conditions
Train other examiners in the financial examination process

9. Working conditions
Financial examiners typically work in offices. They occasionally may have to travel to inspect a bank onsite.
Financial examiners held 29,300 jobs in The following industries employed the most financial examiners in 2010:

10. Job Outlook
Employment of financial examiners is projected to grow 27 percent from 2010 to 2020, faster than the average for all occupations. Implementation of new financial regulations is expected to create a need for more examiners.

11. Earnings
The median annual wage of financial examiners was $74,940 in May The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than $43,170, and the top 10 percent earned more than $134,820.
Most financial examiners worked full time in 2010.

12. Financial Analysts 2nd career

13. 2nd career Tasks
Gather and organize information on problems or procedures.
Analyze data gathered and develop solutions or alternative methods of proceeding.
Confer with personnel concerned to ensure successful functioning of newly implemented systems or procedures.
Develop and implement records management program for filing, protection, and retrieval of records, and assure compliance with program.
Review forms and reports, and confer with management and users about format, distribution, and purpose, and to identify problems and improvements.
Interview personnel and conduct on-site observation to ascertain unit functions, work performed, and methods, equipment, and personnel used.
Document findings of study and prepare recommendations for implementation of new systems, procedures, or organizational changes.
Prepare manuals and train workers in use of new forms, reports, procedures or equipment, according to organizational policy.

14. Interests
Investigative - Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally.
Enterprising - Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.
Conventional - Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.

15. Education
Education - Most of these occupations require a four-year bachelor's degree, but some do not.
Training - Employees in these occupations usually need several years of work-related experience, on-the-job training, and/or vocational training.
Experience - A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.

16. Knowledge and Skill
Sales and Marketing - Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
Personnel and Human Resources - Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.
English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
Computers and Electronics - Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
Reading Comprehension - Understanding written sentences and paragraphs in work related documents.

17. 1st career Nature Of Work
Recommend individual investments and collections of investments, which are known as portfolios
Evaluate current and historical data
Study economic and business trends
Study a company's financial statements and analyze commodity prices, sales, costs, expenses, and tax rates to determine a company's value by projecting the company's future earnings
Meet with company officials to gain better insight into the company's prospects and management
Prepare written reports
Meet with investors to explain recommendations

18. Working conditions
Financial analysts held about 236,000 jobs in They work primarily in offices. Most work full time, and many work more than 40 hours per week. They travel frequently to visit companies or potential investors, and face deadline pressure. Much of their research must be done after office hours because their days are filled with telephone calls and meetings.
Many financial analysts work at large financial institutions based in New York City or other major financial centers. In 2010, about 46 percent of financial analysts worked in finance and insurance industries. They worked primarily for security and commodity brokerages, banks and credit institutions, and insurance carriers. Others worked throughout private industry and for government.

19. Job outlook
Employment of financial analysts is expected to grow 23 percent from 2010 to 2020, faster than the average for all occupations. A growing range of financial products and the need for in-depth knowledge of geographic regions are expected to lead to strong employment growth.
Investment portfolios are becoming more complex, and there are more financial products available for trade. In addition, emerging markets throughout the world are providing new investment opportunities, which require expertise in geographic regions where those markets are.
Regulatory reform enacted in 2010 should allow the financial industry to grow at a similar pace as in previous decades. Restrictions on trading by banks may shift employment of financial analysts from investment banks to hedge funds and private equity groups.

20. Earnings
The median annual wage of financial analysts was $74,350 in May The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than $44,490, and the top 10 percent earned more than $141,700.
Financial analysts often work more than 40 hours a week. In fact, almost one-third of full-time analysts usually work between 50 and 70 hours a week.

21. Insurance Underwriters 3rd career

22. 3rd career tasks
Examine documents to determine degree of risk from such factors as applicant financial standing and value and condition of property.
Decline excessive risks.
Write to field representatives, medical personnel, and others to obtain further information, quote rates, or explain company underwriting policies.
Evaluate possibility of losses due to catastrophe or excessive insurance.
Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe profitable distribution of risks, using reference materials.
Review company records to determine amount of insurance in force on single risk or group of closely related risks.
Authorize reinsurance of policy when risk is high.

23. Interests
Enterprising - Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business. Conventional - Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.

24. Education
Education - Most of these occupations require a four-year bachelor's degree, but some do not.
Training - Employees in these occupations usually need several years of work-related experience, on-the-job training, and/or vocational training.
Experience - A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.

25. Knowledge and skill
Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
Economics and Accounting - Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
Sales and Marketing - Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
Psychology - Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.
Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

26. Nature of work Analyze information in insurance applications
Determine the risk of insuring a client
Screen applicants on the basis of set criteria
Evaluate recommendations from underwriting software
Decide whether to offer insurance
Determine appropriate premiums and amounts of coverage
Write policies to cover potential loss

27. Working Conditions
Insurance underwriters held about 101,800 jobs in  They work indoors in a comfortable office setting. Some property and casualty underwriters may visit properties to assess them in person.

28. Job outlook
Employment of underwriters is expected to increase 6 percent from 2010 to 2020, slower than the average for all occupations. New types of automated underwriting software allow workers to process applications more quickly than before, reducing the need for underwriters. However, there still will be a need for underwriters to evaluate automated recommendations.
Among underwriter specialties, underwriters working in health insurance are projected to have faster employment growth. Federal healthcare reform will require more individuals to purchase health insurance, leading to an increase in applications. In addition, as the population ages, there will likely be increased demand for long-term care insurance.

29. Earnings
The median annual wage of insurance underwriters was $59,290 in May The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than $36,700, and the top 10 percent earned more than $102,540.
Most underwriters work full time.

30. Salary for my 3 careers

31. Citation for my careers
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