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Business: Banking and Lending Certificate Business Total Units: 22.5
Term Effective: Fall 2019


The Business: Banking and Lending Certificate of Achievement qualifies students for employment as Loan Processor, Loan Analyst, Credit Analyst, Loan Underwriter, Commercial Servicing Specialist, Commercial Operations Specialist, and related occupations in both the consumer and commercial banking and lending fields. The certificate also serves as a pathway to employment as a loan officer, with additional education/training and work experience.

Program Student Learning Outcomes:

Upon successful completion of this program, the student will be able to:

  1. Process and analyze complex financial statements, tax schedules, and related loan documents; analyze and project cash flows, calculate common financial, debt to income, and loan-to-value ratios in order to make well-informed lending recommendations.
  2. Analyze customers’ credit worthiness; explain and interpret FICO scores and credit reports from major credit reporting bureaus.
  3. Explain common bank/lending institution business services and operations, including consumer and commercial lending procedures.
  4. Explain and ensure compliance with complex banking and SBA lending regulations, “Banker’s Alphabet” and other fair lending laws, and ethics of banking.
  5. Exhibit excellent soft skills including verbal and written communication, customer service skills, effective team work, effective time management, and ability to work under strict deadlines.

Program Requirements:

The requirements for the Business: Banking and Lending Certificate program are:

  • Complete 22.5 units from
    • Business: Banking and Lending

Business: Banking and Lending - complete 22.50 units
BGN 155 Introduction to Banking3.00
BGN 156 Credit and Lending Analysis3.00
BAD 53 Introduction to Solving Business Problems With Spreadsheets1.50
BGN 81 Practical Business Math Skills3.00
Complete any combination totaling at least 3.00 units from the following:
BAD 52 Human Relations in Organizations3.00
BGN 111 Soft Skills for Business3.00
Complete any combination totaling at least 3.00 units from the following:
BGN 71 Business English Grammar3.00
ENGL 1A College Composition4.00
Complete any combination totaling at least 3.00 units from the following:
BAD 1 Financial Accounting4.00
BMG 55 Fundamentals of Financial Analysis3.00
Complete any combination totaling at least 3.00 units from the following:
BAD 10 American Business in Its Global Context3.00
BAD 18 The Legal Environment of Business3.00
RE 50 Real Estate Principles3.00
RE 53 Residential Real Estate Appraisal3.00
WEOC 99 Occupational Work Experience0.50-8.00
WEOC 99I Occupational Work Experience Internship0.50-8.00

Term Effective: Fall 2019

The requirements for this program of study are effective beginning the semester shown above. If you began working on this program before the effective semester, you may not be affected by the changes. Consult with the program contact person or the department chair to determine your eligibility to complete the program under previous requirements.

Previous Versions:

Business: Banking and Lending - effective Fall 2018

Course Prerequisites and Advisories:

Courses in a program of study may have prerequisites or advisories; that is, courses that must or should be completed before taking that course. Please check for prerequisites or advisories by clicking on the course numbers in the Program Requirements section.

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(707) 527-4435