2004-2005 COLLEGE CATALOG - Luzerne County Community ...

uying behavior; integrate public relations, advertising, sales promotion, selling,
and service distribution functions in the bank’s overall marketing plan; conduct
situation analysis and formulate a master marketing strategy; monitor and evaluate
performance.
BNK 192-Real Estate Finance 3 Sem.-Hrs.
This course gives you a comprehensive introduction to the real estate finance
industry with an emphasis on the real estate loan products offered by commercial
banks. After successfully completing this course, you will be able to: identify the
concepts and terminology specific to real estate law; appraise and evaluate both
residential and commercial property; underwrite, close, and administer residential
and income property loans; explain special risks associated with different kinds of
income properties; describe the role of government in housing; analyze real estate
investments; identify trends in real estate finance.
BNK 193-Commercial Lending 3 Sem.-Hrs.
This course will give you a conceptual framework for the study of commercial
lending. It focuses on how the commercial lending business is organized, how it
contributes to bank profitability, and the total commercial lending process. Areas
covered: explain why good human relations skills are critically important to the
successful lending officer in many stages of the commercial lending process; identify
the functions of the loan interview and credit investigation; describe how the
borrower’s financing needs and business type can affect the structuring of a loan;
list important elements of loan documents and describe their functions; name some
warning signs of problem loans and identify ways that you can prevent problem
loans.
BNK 194-Law and Banking: Principles 3 Sem.-Hrs.
This course is a banker’s guide to law and legal issues, with special emphasis on
the Uniform Commercial Code. Emphasis is placed on: identify the sources and
applications of banking law; distinguish between torts and crimes and how they
relate to banking situations; explain contracts, including the need for legal capacity;
legal objective, mutual assent, and consideration; describe real and personal
properties and their application to banking; discuss how bankruptcy affects banks
and differentiate between the liquidation and rehabilitation goals of the Bankruptcy
Code; identify the legal implications of consumer lending.
BNK 196-International Banking 3 Sem.-Hrs.
International Banking covers the fundamental, mainstay topics of international
banking such as foreign exchange, collections, letters of credit, international financing
agencies, documents used in international financial markets, and the
Eurodollar market. Teaches how to: describe the basic dynamics and overall complexities
of the international arena; identify the various international services banks
provide; explain international lending concepts, credit principles, and risk factors;
describe the various legal and regulatory constraints/requirements that dominate
international finance; explain the history and basic concepts of the Eurodollar market;
identify the various international lending agencies and their roles in international
finance; define basic international banking terms including Incoterms.
BNK 198-Analyzing Financial Statements 3 Sem.-Hrs.
This course provides the opportunity to further develop the skills necessary to
conduct a comprehensive and effective financial analysis of a business borrower in
order to assess repayment capacity. Topics covered are: explain why financial analysis
is important in commercial lending; relate how a company’s type of business,
legal structure, size, and management strategies affect the way a lender conducts
financial analysis; analyze income statements, balance sheets, and pro forma state-
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