Commercial Banking - Certificate | Texas A & M University-College Station

Skills & Competencies

Skills developed through this program

Auto-populatedfrom O*NET via SOC 13-2072.00

Skills

SpeakingActive ListeningJudgment and Decision MakingReading ComprehensionCritical ThinkingWritingMathematicsSocial Perceptiveness

Knowledge

Customer and Personal ServiceEconomics and AccountingEnglish LanguageMathematicsSales and Marketing

Abilities

Oral ComprehensionWritten ComprehensionOral ExpressionWritten ExpressionNear VisionProblem SensitivityDeductive ReasoningInductive ReasoningSpeech RecognitionSpeech Clarity

Tasks

Meet with applicants to obtain information for loan applications and to answer questions about the p
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of g
Approve loans within specified limits, and refer loan applications outside those limits to managemen

Technology

Financial analysis softwareAccounting softwareInformation retrieval or search softwareDevelopment environment softwareTransaction server software

Tools

10-key calculatorsAutodialersDesktop computersNotebook computersPersonal computersPersonal digital assistants PDAScannersTablet computers

Work Values

RelationshipsIndependenceSupportAchievementRecognitionWorking Conditions

Career Pathways

Occupations this program prepares you for

Auto-populatedfrom O*NET + BLS

Occupations matched to this program, with median wage, top wage, growth, and openings
SOC	Occupation	Method	Wage	Growth	Openings
Match confidence: medium13-2072.00	Loan Officers	title_inference	$74,180 median$145,780 top	+1.69%	500

Program Pathways

Credentials this program stacks toward

No program pathways.

What You'll Learn

Key competencies developed through this program

Auto-populatedfrom NSX Competency Framework

Mastery: developing (Level 2)(based on Certificate)

Applicant financial status — analyze income statements, credit scores, and debt-to-income ratios independently to assess loan feasibility for standard residential cases.
Loan product recommendations — match applicants to appropriate loan types and terms based on financial profiles with routine supervisory check-ins.
Loan approval decisions — approve applications within assigned authority limits and escalate those exceeding thresholds to management per institutional policy.
Client interviews — conduct structured intake meetings with applicants to gather complete financial and property information with minimal direction.
Credit file maintenance — review and update credit and loan files on a recurring basis to ensure accuracy and regulatory compliance in the loan management system.
Financial documentation review — compile and cross-reference corporate financial statements, tax returns, and appraisals to support underwriting decisions.
Loan agreement accuracy — review finalized loan agreements against policy requirements and flag discrepancies before closing without supervisory prompting.
Customer service interactions — address applicant concerns about loan status and process timelines using active listening and clear oral communication.
Enterprise resource planning tools — navigate ERP and accounting software to retrieve applicant financial data and produce standard reports.
Time-sensitive pipeline management — prioritize multiple open loan files to meet processing deadlines in a high-volume branch environment.

Course Pathway

6 courses in this program

14 courses

22 courses

Core course

External prerequisite

Hover to see relationships

Program Requirements

Courses required to complete this program

FINC 462Commercial Bank Management

3 cr

FINC 463Seminar in Commercial Banking

3 cr

FINC 464Commercial Credit Analysis

3 cr

MKTG 337Selling Financial Products and Services

3 cr

Program Details

Detailed information about this program

No detailed information available.

Requirements

What you need to earn this credential

No requirements listed.

Financial Aid

Eligible funding programs

No funding information available.

Scholarships

No scholarships listed.