BAF 100 BANKING FUNDAMENTALS (5-0-5)
Prerequisite: Provisional admission
Introduces the student to the following areas: bank history and structure, the banking industry, the concept of value and property, money as a medium of exchange and a store of value, interest rate theory, invested capital, national income concepts, monetary theory, the dual banking system, non-financial institutions, on-us checks, memo posted credits, opening bank accounts, types of accounts, endorsement types, MICR technology, digital cash and digital signatures, changing bank technologies, subrogation and wrongful dishonor.

BAF 113 MONEY AND BANKING (5-0-5)
Prerequisite:  Program admission
Emphasizes the relevance of monetary instruments, intermediaries, and the central banks as they impact local, state, national, and international economics.  Topics include:  history and evolution of financial institutions, monetary theory concepts, money flow and stock concepts, central bank importance and global roles, changes in the value of money, determination of interest rates, the term structure of interest rates, business cycles and technologies impact, bank risk, global banking considerations, money creation ability of the banks, the money multiplier, the tools of monetary policy, IS-LM concepts, the Federal Reserve Bank, bank regulations, and the amorphing of financial services with the Internet.

BAF 114 BANK BUSINESS AND INFORMATION SYSTEMS (3-0-3)
Prerequisite:  MAT 111 or MAT 196
Emphasizes the use of the financial calculator, teller operations, electronic batching, e-commerce, Excel spreadsheet cash flow use and calculations.  This course also introduces the student to the following areas:  debt and equity financing types and markets, securitization, classes of credit, amortization schedules, calculating mortgage payments and the rate of interest, from and back-end debt ratio’s, the underwriting function, credit risk, insurance policy types, deposit and disbursement activity, organizing your cash drawer, currency identification, safe deposit box use, security safeguards, personal financial management software types and use.

BAF 115 FINANCIAL MANAGEMENT AND COUNSELING (4-0-4)
Prerequisite:  Program admission
Provides knowledge and applications in the management of personal and consumer finance.  This course also introduces the student to the following areas: record keeping, budgeting, credit principles, investment principles and goals, insurance needs, economic forecasting and financial planning, consumer life cycles, career choices, tax impact and tax software, fixed rate, variable rate and arm mortgage products, closed end and open end credit, common stock, preferred stock, mutual funds, bonds and corporate financing, inflation risk and security risk, face values, maturities, and call features, property and auto insurance, and injury liability.

BAF 132 BANKING AND FINANCE O.B.I. I (0-15-5)
Prerequisites: Program admission, ENG 191, BAF 100
Introduces students to the application and reinforcement of banking and finance and employability principles in the actual job placement or practicum experience.  Students are acquainted with occupational responsibilities through realistic work situations and are provided with insights into banking and finance applications on the job.  Topics include, but are not limited to: problem solving, adaptability to the job setting, use of proper interpersonal skills, application of banking and finance techniques, and professional development.  The occupational based instruction is implemented through the use of written individualized training plans, written performance evaluation, required weekly seminar, and required practicum or on the job training.

BAF 133 BANKING AND FINANCE O.B.I. I (0-15-5)
Prerequisite/Co-requisite:  BUS 132
Focuses on the application and reinforcement of banking and finance and employability principles in an actual job placement or practicum experience.  Students are acquainted with occupational responsibilities through realistic work situations and are provided with insights into banking and finance applications on the job.  Topics include, but are not limited to: problem solving, adaptability, to the job setting, use of proper interpersonal skills, application of the banking and finance techniques, and professional development.  The occupational-based instruction is implemented through the use of written individualized training plans, written performance evaluation, required weekly seminar, and required practicum or on-the-job-training.

BAF 200 FINANCE (5-0-5)
Prerequisite: ACC 101
Provides knowledge and application of the concepts of free and mutual markets, capitalism, wealth creation from technology innovation, risk concepts, accounting and economic balance sheets, income statements, sources and uses statement, trend analysis and market value, simple and compound interest, the time value of money, present value , future value, and net present value, internal rate of return, capital budgeting decisions, e-technology application/financial value, stockholder equity, book value, dividend policy, debt and equity, corporate growth, global finance, annuities, capital structure, financial leverage, and risk.

BAF 205 REAL ESTATE FINANCE (5-0-5)
Prerequisite: Program admission
Emphasizes the real estate industry including the mortgage industry, economic concepts behind real estate, real estate law concepts, amortization, maturity mismatch, flexible loan insurance, regulations, loan origination, loan processing, real estate appraisals, disclosure, title insurance, foreclosure, mortgage backed securities, technology application in real estate, R.E.I.Ts, interest rate analysis, collaterized securities, qualifying ratios, pass-throughs, market feasibility, zoning, environmental impact, options, capitalization rates, and land use.

BAF 210 CONTEMPORARY BANK MANAGEMENT (5-0-5)
Prerequisite: BAF 100
Provides knowledge and application of the principles of bank management, bank services, bank technology, currency acts and regulations, bank holding companies, correspondent banking, affiliated banks, bank stock valuation, asset-liability management, returns and margins, bank liquidity, composition of deposits and loans, customer service, bank leadership, global bank management, interest sensitive gap management, bank balance sheets, income statement, and sources and uses statement, portfolio immunization, the Federal Reserve Bank, pricing of deposits and loans, deposit services, proper bank behavior, bank lending policies, and management of the banks equity capital position.

BAF 215 WEB-BASED BANKING AND FINANCE (2-3-5)
Prerequisites: BAF 100, SCT 100
Introduces the student to the origins of virtual banking, the new Web-O-Nomics (a concentration economy), converging technologies, digital value chains, and hands-on Web Bank and Financial Services account set-up.  Topics include: amorphing of Financial Services, student Web site assignments/navigation, networking, icons, gateways, I.S.O.N.s, Internet bandwidth consideration, R.A.M., and N.V.I. memories, making recurring Web payments, Web new account set-up, Web brokering, Web bank regulations, bank security, technology resources, data warehouses, digital currency, rich information exchange, b-web partnering, universal standards, TCP/IP protocol, H.T.M.L. and Java network significance, performance and fidelity, S.S.L. encrypting, adding new functionality to financial services, accounting software review, and multiple case studies.