BANKING AND FINANCE

FN 141 - Real Estate Principles and Practices.
3 credits. General introduction to real estate as a business and as a profession. Designed to acquaint the student with the wide range of subjects and terminology necessary to the practice of real estate. This introductory course in fundamentals includes the nature of real estate and ownership, principles and concepts of title transfer, title insurance, real estate marketing, financing, leasing, taxation, insurance development, appraising, and state license law. Approved as a prerequisite for licensure examination as a salesperson by the West Virginia Real Estate Commission and the Ohio Real Estate Commission.

FN 151 - Principles of Bank Operations.
3 credits. Fundamentals of bank functions presented in a descriptive fashion so that the beginning banker may acquire a broad perspective of the banking operation so as to prepare for career advancement in the banking industry.

FN 163 - Trust Functions and Services.
3 credits. Provides a complete picture of the services rendered by institutions engaged in trust business. Gives an introduction to the services and duties involved in trust operations and is intended for all banking majors. Offers a clear distinction between business and legal aspects of trust functions.
(PR: FN 151)

FN 231 - Business Finance.
3 credits. This course will focus on the methods of financial analysis. Emphasis is given to the time value of money, evaluation of financial statements, international issues, the stock market, investing, and consumer credit issues.
(PR: AC 103, AC 108, AC 201 or ACC 215)

FN 248 - Real Estate Law.
3 credits. Study of the principles of law governing interests in real estate including acquisition, encumbrance, transfer rights and obligations of parties, and state and federal regulations thereof. This course is approved as a prerequisite for licensure examination as a salesperson by the West Virginia Real Estate Commission and the Ohio Real Estate Commission.

FN 250 - Computer Applications to Banking.
3 credits. Study of software programs applicable to current banking systems.
(PR: IT 101 or IT 101E)

FN 251 - Consumer Lending.

3 credits. This course provides an overview of consumer credit and an in-depth look at consumer credit products and services, the consumer lending process and consumer credit administration.
(PR: FN 151)

FN 252 - Law and Banking.
3 credits. Introduction to rules of American law that underlie banking. Topics include jurisprudence, the court system and civil procedure, contracts, quasi-contracts, property, torts and crimes, agencies, partnerships, corporations, sales of personal property, commercial papers, bank deposits and collections, documents of title, and secured transactions. Emphasis is on the Uniform Commercial Code.
(PR: FN 151)

FN 254 - Bank Investments.
3 credits. Describes the primary reserve needs of commercial banks. Sources of reserves and their random and cyclic fluctuations are analyzed in relation to their influence on investment policy. Included is a study of yield changes as they affect a bank's long-term holdings.
(PR: FN 151)

FN 258 - Home Mortgage Lending.
3 credits. Designed for mortgage loan offices from the viewpoint of developing a sound mortgage portfolio. Overview of the mortgage market, acquisition of a mortgage portfolio, mortgage plans and procedures, mortgage loan processing and servicing, and obligations of the mortgage loan offices in portfolio management are covered.
(PR: FN 151)

FN 259 - Commercial Lending.
3 credits. This course provides a conceptual framework for the study of commercial lending. It focuses on the organization of this business, its contribution to bank profitability and the commercial lending process.
(PR: FN 151)

FN 264 - Analyzing Financial Statements.
3 credits. Acquaints student with basic considerations in statement analysis, details of financial statements, basic ratios, analysis of internal comparison, analysis by external comparison, consolidated statements, budgets and projections.
(PR: AC 108 and FN 151)

ISM 133 - Principles of Supervision & Management.
3 credits. Fundamental principles of administrative, staff, and operating management with organizational structures, operative procedures, and systems emphasized. Includes responsibilities, duties, and relationships of supervisors and leaders.