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Schedule and Course Description Course Title Price Class Starting Dates Accounting $495 11/19, 12/17, 1/15, 2/25, 4/21, 5/12, 6/16, 8/4 Agricultural Lending $395 TBA Bank Financial Analysis $395 TBA Business Communications $450 12/3, 2/4, 4/7, 6/2, 8/4 Business Math $450 11/19, 1/8, 2/18, 3/31, 5/12, 6/23, 8/4 Economics for Bankers $450 11/12, 12/10, 2/4, 3/24, 5/19, 7/14 Financial Accounting $495 12/10, 2/11, 3/17, 4/14, 5/12, 6/16, 7/28 Fraud Identification $495 TBA Fundamentals of Banking $450 11/12, 12/3, 12/17, 1/15, 1/28, 2/11, 2/25, 3/10, 3/24, 4/7, 4/21, 5/5, 5/19, 6/16, 7/14, 8/18 Law and Banking:  Principles $450 12/10, 2/11, 3/24, 5/19, 7/28 Law and Banking:  Applications $450 12/3, 1/21, 3/10, 5/5, 7/21 Management $450 12/10, 2/4, 5/12 Marketing Financial Services $450 11/12, 2/18, 4/28, 7/28 Money and Banking $450 11/19, 2/18, 5/5, 7/21 Real Estate Appraisal $450 12/17, 2/4, 5/5 Real Estate Appraisal Review $695 TBA Real Estate Law $450 1/15, 5/12 Spanish for Bankers $450 12/17, 2/11, 4/7, 6/9, 8/18 Supervision $450 12/17, 1/28, 3/17, 4/28, 6/9, 7/28

Accounting

Accounting is designed to make accounting understandable to virtually everyone without sacrificing substance and technical correctness, and will provide students with a complete foundation in basic accounting procedures. Students will build practical accounting skills that are needed when entering the world of work.


Agricultural Lending

This course will focus on how the major agricultural trends are impacting marketing and credit decisions, and how the competitive structure is changing. The differential credit analysis techniques will be introduced through short case studies; included will be the worksheets used for small and large commercial agricultural loans, ratio benchmarks for agricultural loans, common denominators of problem loans, and risk- rating systems for both small and large agricultural loans."

Bank Financial Analysis

This course builds your knowledge of proper analytical techniques for evaluating the financial condition of a financial institution. Subjects include an indepth look into the Uniform Bank Financial Report, operating ratio analysis, capital components, return on assets, establishing net interest margin, rate sensitivity, asset and liability liquidity sources, and many more financial components utilized in conducting a bank financial analysis. The course even includes a case study to test your knowledge of proper analytical techniques."

Business Communications

This course takes you through a well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies. Students learn a process for solving future communication problems, and how to use Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.


Business Math

coverage of personal and business related math topics.  Basic math skills are essential for survival in today’s business world.  Learning day-to-day application of math concepts is necessary to become successful in the financial services industry.

• Understand how many ratios, payments, interest, etc. are calculated.
• Understand how gross and net pay are calculated.
• Understand the different types of banking accounts and how business math applies to them.
• Calculate loan payments and interest.
• Understand the cost of credit.
• Calculate mortgage payments, including insurance costs.
• Calculate life insurance premiums.
• Estimate technology costs.
• Understand employee recruitment expenses, including  the cost of part-time vs. full-time employees.

Economics for Bankers

Economics for Bankers applies economics to phenomenon that students are familiar with and interested in, this course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This course focuses on macroeconomics, and offers a unique blend of solid theoretical, while utilizing intriguing applications that convey the prevalence of economics in everyday life.


Financial Accounting

This course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and positing; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership. Course objectives: describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and explain their characteristics.

Fraud Identification

A seasoned state bank regulator facilitates this interactive, on-line course. The 5-week course consists of many activities, including: analyzing 21 actual fraud cases; viewing PowerPoint presentations on audit, internal controls, and cyber banking; reflecting on and discussing specific fraud issues; interacting with the other participants and the facilitator regarding these issues and the red flags associated with the fraud cases. To fully benefit from the course, you should participate on a regular basis (at least 2-3 times a week) in the threaded discussions. The amount of time necessary to complete the activities is approximately five hours per week."

Fundamentals of Banking

Fundamentals of Banking teaches students the importance of money and interest, negotiable instruments, mortgages, commercial lending, and the role of banking in today’s economy.
 

Law and Banking:  Applications

This program is your guide to legal and regulatory issues, with special emphasis on the Uniform Commercial Code. A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.

Topics covered include:

• Introduction to Law and Legal Reasoning
• Courts and Alternative Dispute Resolution
• Negotiable Instruments
• Creditors’ Rights and Bankruptcy
• Agency Formation and Duties
• Liability to Third Parties and Termination
• Administrative Law; Consumer and Environmental law
• Cyberlaw and E-Commerce

• Introduction to Law and Legal Reasoning
• Courts and Alternative Dispute Resolution; Torts
• Criminal Law and Procedures
• Contracts:  Nature and Terminology, Agreement, Consideration and Capacity of Assent
• Breach of Contract and Remedies
• The Formation of Sales and Lease Contracts
• Title, Risk, and Insurable Interest
• Sole Proprietorships and Partnerships
• Corporations:  Formation and Financing, Directors, Officers, and Shareholders
• Limited Liability Companies and Limited Partnerships
• Wills, Trusts, and Elder Law
• Personal Property and Bailments
• Real Property

Note:  You may choose either Law and Banking course to satisfy the Law and Banking course requirement for any of the CFT diplomas.  The second of the two courses could then be applied as an elective, if you desired a more comprehensive knowledge of banking law.

Management

This course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show their implications for managers and organizations. The text’s unique organization focuses on how managers “make things happen” in modern organizations, exploring the role and impact of management on individuals and organizations."

Marketing Financial Services

Marketing Financial Services looks at what motivates customers to purchase financial services and teaches you how to develop a successful marketing plan. Topics include: developing a marketing plan, promotion, delivery channels, sales and sales management, product development, research techniques, communications and public relations, and future trends. There's also a special focus on customer satisfaction and service quality, and on advancements in technology (such as the Internet) for new products, new delivery systems, and new advertising forms.

After successfully completing this program, you will be able to:

• Recognize consumer motivation and buying behavior
• Integrate public relations, advertising, sales
promotion, selling, and service distribution functions in your bank's overall marketing plan
• Conduct situation analysis and formulate a master marketing strategy
• Monitor and evaluate performance

• Explain how the regulatory agencies use appraisal reports.
• Describe the various types of appraisal reports.
• Explain the appraisal valuation process.
• Describe the identification aspects of highest and best use analysis step of the appraisal valuation process.
• Describe and apply the cost approach to valuation.
• Describe and apply the direct sales comparison approach to valuation.
• Describe and apply the income capitalization approach to valuation.
• Define pertinent appraisal terms.

• Understand partial ownership AND co ownership of real property, and lending issues related to these topics;
• Discuss real estate residential and commercial leases;
• Understand mechanic's liens (strikethrough: methods of real property conveyance);
• discuss constitutional issues, specifically eminent domain powers;
• understand environmental issues in real property, focusing on Comprehensive Environmental Response, Compensation and Liability Act (CERCLA).

• The Spanish alphabet
• Pronunciation
• Vocabulary
• Everyday expressions
• And basic banking terminology