Banking Technology
College Credit Certificate
The Banking Technology certificate program is designed to provide students with skills that are needed to qualify for positions within the banking industry including tellers, head-tellers, customer service representatives, accounting clerks and credit administration clerks. All course work may later be applied to the Banking Technology A.A.S. degree.
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 |
| MGT100 | Principles of Management | 3 |
| Total Credit Hours Required for this Certificate | 33 | |
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 theory to analyze social, political, financial, and business problems.
- 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.
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.