HOUSTON COMMUNITY COLLEGE SYSTEM
Commercial Lending
BNKG 1349
Fall 2012 -Kurllenne Dowden-Martin, MBA
- Contact Number: 281-630-0413
-Email address: kkdmartin@yahoo.com
COURSE DESCRIPTION (From HCCS 2001 - 2002 Catalog)
Overview of the commercial lending market and process with an emphasis on credit
analysis, evaluation, federal regulation and state laws related to business and industrial
lending. 3 credits (3 lecture).
TEXTS AND/OR REFERENCES
Commercial Lending, 6th Edition by George Ruth, American Bankers Association
COURSE LEARNING OUTCOMES
1. Through in class participation, preparation and presentment of a class project, and
written tests the student will communicate understanding of key aspects of commercial
lending concepts and practices.
2. The student will display knowledge of sales and marketing techniques used in commercial
lending through written exercises and/or tests.
3. The student will characterize commercial loan products and services through written
exercises and/ or tests.
4. The student will indicate knowledge of business financial statements through participating
in class discussion and/or activities, written exercises and/or through written tests.
5. The student will display basic understanding of the administrative aspects of commercial
lending, such as regulation, documentation and recovery through participation in class,
group, and/or homework assignments, and/or written tests.
SCANS (Secretary’s Commission Addressing Necessary Skills) OBJECTIVES
1. Working with Information: Acquire/evaluate data
Organize/maintain information
Interpret/communicate data
Through participation in the class work, group exercises and term project, the student will
learn to acquire data and evaluate the application of data. By completing the term project,
the student will demonstrate the ability to organize and maintain information through out
the semester.
2. Demonstrating Thinking Skills: Reading Writing Speaking Listening
Arithmetic/Mathematics
By completing weekly reading assignments in the text and by reading other information for
the term project, the student will demonstrate reading ability.
The student will demonstrate writing ability by completing the research project and by
completing written assignments and/or answering test questions. By correcting using credit
math and loan pricing principles in assignments and/or on written tests, the student will
exhibit skills in arithmetic and mathematics. The student will exhibit speaking skills through
group work and in-class participation.
3. Demonstrate Thinking Skills: Creative Thinking Decision Making
Problem Solving Thinking Logically
Through completing the research project, the student will practice creative thinking, use
decision-making skills and think logically. By correctly using credit math and loan pricing
principles and applying them to lending situations and answering questions in assignments
and/or on written tests, the student will exhibit the ability to assimilate information, think
logically and solve problems.
4. Exhibiting Personal Qualities: Individual responsibility Sociability
Self-management Integrity
Each student will be individually responsible for completing assignments and the research
project. Each student will manage his/her time and resources to assure timely completion of
assignments and the term project. Each student will participate in group assignments with
other class members. Each student will practice integrity by exhibiting honesty in
completing assignments, tests and the term project.
5. Managing Resources: Manage Time
Each student will manage time to complete assignments, the research project and written
tests within prescribed time limits.
6. Exhibit Interpersonal Skills: Work on teams Lead work team
Work with different cultures
Each student will work on teams of varying cultural diversity to complete group
assignments. Each student will have the opportunity to lead work teams.
ATTENDANCE, SCHOLASTIC DISHONESTY AND OTHER POLICIES
See “VARIOUS POLICIES’ section of this syllabus.
EVALUATION
Midterm Exam .........................20%
Final Exam...........................20%
Quizzes/Assignments..................... 20%
Attendance ..........................20%
Research Paper .........................20%
NUMERICAL GRADES RELATED TO LETTER GRADES
A 90 TO 100
B 80 TO 89
C 70 TO 79
D 60 TO 69
F Below 60
Excellent
Good
Fair
Passing
Failing
Statement of Workplace and Foundation Competencies (SCANS Skills)
HCSS is determined to prepare you with the knowledge and skill you need to succeed in today’s
dynamic work environment. Towards this end, specific workplace competencies and foundation skills
have been designed into this course and into the curriculum for each program of study. Please see the
Scans Competencies And Foundation Matrix of this syllabus for information regarding the specific
common workplace competencies designed into this course and into the BNKG curriculum.
Disability Services: Students who require reasonable accommodations for disabilities are encouraged
to report to Room 102 SJAC, or call (713) 718-6164 to make necessary arrangements. Faculty is only
authorized to provide accommodations requested by the Disability Support Services Office. "Any student
with a documented disability (e.g. physical, learning, psychiatric, vision, hearing, etc.) who needs to
arrange reasonable accommodations must contact the Disability Support Services Office at the respective
college at the beginning of each semester. Faculty are authorized to provide only the accommodations
requested by the Disability Support Services Office."
VARIOUS POLICIES
Incomplete:
The grade of “I” (incomplete) is conditional. A student receiving an “I” must arrange with
the instructor to complete the course work by the end of the following term (excluding
summer). After the deadline, the “I” becomes an “F”. All “I’s” must be changed to grades
prior to graduation.
Attendance:
A student may be dropped from a course for excessive absences after the student has
accumulated absences in excess of 12.5% of the hours of instruction. In a traditional 16week term, 12.5% of the hours of instruction equates to six hours of instruction or two
absences.
Dropping:
The State of Texas has begun to impose penalties on students who drop courses excessively. For example, if you
repeat the same course more than twice, you have to pay extra tuition. In 2007, the Texas Legislature passed a law
limiting students to no more than six total course withdrawals throughout their academic career in obtaining a
baccalaureate degree.
To help students avoid having to drop/withdraw from any class, HCC has instituted an Early Alert process
by which your instructor will “alert” you and HCCS Student Services of the chance you might fail a class because of
excessive absences and/or poor academic performance. You should visit an HCC counselor or HCC Online Student
Services to learn about what, if any, HCC interventions might be offered to assist you – tutoring, child care,
financial aid, job performance, etc, - to stay in class and improve your academic performance.
You MUST visit a counselor or online student services prior to withdrawing (dropping) the class and this
must be done prior to February 5, 2010 at 4:30PM to receive a “W” on your transcript. After that deadline, you
will receive the grade you are making in the class which will more than likely be an “F”.
Weeks
One
Instructors initiate “Early Alert” process – to let students know they may be in danger of failing the course
and informing them of actions they need to take.
Three
Students Services should send Instructors a report on actions taken or not by students.
Four
Drop Deadline
Eight
Grade Assignment
Scholastic dishonesty: Houston Community College System students are responsible for conducting
themselves with honor and integrity in fulfilling course requirements. Scholastic
dishonesty includes, but is not limited to, cheating on a test, plagiarism and collusion.
Cheating on a test includes: copying from another student’s test paper; using during
a test materials not authorized by the person giving the test; collaborating with another
student during a test without authority; knowingly using, buying, selling, stealing,
transporting, or soliciting in whole or part the contents of an unadministered test; bribing
another person to obtain a test that is to be administered. Plagiarism means the
appropriation of another’s work and the unacknowledged incorporation of that work in
one’s own written work offered for credit. Collusion means the unauthorized
collaboration with another person in preparing written work offered for credit. Possible
punishments for academic dishonesty may include a grade of 0 or F on the particular
assignment, failure in the course, and/or recommendation for probation or dismissal
from the College. Students who wish to appeal the penalty should notify the instructional
supervisor within thirty working days of the incident. A standing committee appointed
by the Dean of Instruction will convene to sustain, reduce, or reverse the penalty. The
committee will be composed of two students, two faculty members, and one instructional
administrator. A majority vote will decide the appeal. A recommendation for suspension
or expulsion will be referred to the Dean of Students for disposition under Section 203.
This course outline may be altered at instructor’s discretion.
COURSE OUTLINE: Attendance and Due Dates and Material Covered
10/22 Orientation, Ch 1-2 Quiz 1, Assign Ch 3-5,
10/29 Research Paper Topic Due for Approval
11/6 Ch 3-5 Quiz 2
11/13 Midterm Exam Ch. 1-5, Assign Ch 6-7
11/20 Ch 6-7 Quiz 3, Assign Ch 8-10 (NO CLASS- HOLIDAY)
11/27 Assignment #2 Due
12/4 Ch 8-10 Quiz 4
12/4 Research Paper Due
12/11 Final Exam Ch 6-10, End of Semester
ALL ASSIGNMENTS ARE TO BE SUBMITTED
THROUGH EAGLE ONLINE.