Banking Technology
Associate in Applied Science Degree
General Education Requirements
This program is designed to prepare students for a career in a financial institution. Graduates of this program will have a well-rounded background in all areas of the banking industry. They will be prepared for positions such as branch managers, assistant branch managers, loan officers, mid-management level executives and as management trainees throughout different areas of a financial institution. For more information, contact the Banking Program Director of Education.
Required Program of Study
| Course Number | Course Title | Credits |
|---|---|---|
| ACC110 | Managerial Accounting | 3 |
| BNK100 | Principles of Banking (1370) | 3 |
| BNK105 | Economics for Bankers (2310) | 3 |
| BNK140 | Accounting I (1000) | 3 |
| BNK150 | Consumer Lending (7008) | 3 |
| OR BNK155 | Commercial Lending (6350) | 3 |
| BNK153 | Microcomputer Applications in Banking (2090) | 3 |
| BNK226 | Law & Banking: Principles (3660) | 3 |
| BNK228 | Marketing for Bankers (7740) | 3 |
| BNK230 | Analyzing Financial Statements (6920) | 3 |
| BNK242 | Money & Banking (1350) | 3 |
| BUS100 | Introduction to Business | 3 |
| MGT100 | Principles of Management | 3 |
Suggested Electives |
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| Courses selected as electives will depend upon the institution to which you will transfer. It is essential that students consult with a Faculty Advisor for assistance in selecting elective courses. However, it is the responsibility of students to meet with an admissions representative from the four-year institution to determine its transfer policies. | ||
| ACC210 | Financial Management | 3 |
| BNK115 | Law and Banking: Applications(3670) | 3 |
| BNK120 | Trust Banking(8250) | 3 |
| BNK125 | Trust Operations(8325) | 3 |
| BNK150 | Consumer Lending (7008) | 3 |
| BNK155 | Commercial Lending(6350) | 3 |
| BNK210 | Supervision(4310) | 3 |
| BNK220 | International Banking(7110) | 3 |
| BNK222 | Residential Mortgage Lending(7820) | 3 |
| MGT200 | Human Resources Management | 3 |
| Total Credit Hours Required for this Certificate | 61 | |
Upon successful completion of this program, the student should be able to:
- Calculate product costs and break-even point for manufacturing companies and prepare operational budgets using both variable and absorption costing methods.
- Demonstrate an awareness of how full-service commercial banking affects the economy, community, businesses and individuals.
- Apply economic terminology and principles to the business cycle and business organization.
- Compare and contrast economic systems as they relate to the fundamental concepts of supply and demand.
- Prepare financial statements in accordance with generally accepted accounting principles with an emphasis on the interpretation and analysis of the financial statement.
- Identify components of the consumer installment credit market.
- Describe various loan products.
- Trace the lending process.
- Apply credit math and loan pricing principles.
- Explain the functions of the loan interview and credit investigation.
- Describe how the borrower’s financing needs and business type affect the structuring of a loan.
- Utilize a personal computer to design, save, and modify database structures through the use of several software programs.
- Identify the sources and applications of banking law.
- Distinguish between torts and crimes and how they relate to banking situations.
- Describe real and personal properties and their application to banking.
- Develop and formulate a master marketing plan by interpreting consumer motivation and buying behavior through situation analysis focused upon market segment.
- Develop the skills necessary to conduct a comprehensive and effective financial analysis of a business borrower in order to assess repayment capacity.
- Associate the concept of money supply and the role the bank plays as a money creator and participant in the nation’s payment mechanism.
- Utilize business and management principles to analyze problems and make decisions.
- Apply math operations to solve fundamental business problems.
- Demonstrate effective communication skills in writing and speaking in a business environment.
Please note: These programs can be pursued on a part-time basis.
Appropriate placement test scores, or the completion of certain developmental courses, are required for all programs of study. Additional prerequisites may be necessary for some courses and can be found in the course descriptions section of the catalog.
It is recommended that students confer with their advisor when selecting electives.