Commercial Banking Courses, Students, Modules

Posted: by Tags: ,

Commercial banking is that area of the banking profession which is focused on providing financing for the short- and mid-term credit needs of large and small companies. Commercial banking provides the financing platform that connects businesses worldwide, and let, buy and sell all types of goods and services on a commercial scale.

For example, commercial banking allows importers and exporters to do business across geographical borders. And, commercial banking is also the source for commercial credit and customer financing programs for millions of small business owners, providing a credit lifeline to help sustain and grow businesses of all kinds.

Types of Candidates for Commercial Banking

People who seek careers in commercial banking are often detail-oriented and willing to tackle tough challenges and complex business issues. Commercial banking involves less public contact than, say, retail banking, and more concentration on the “numbers” of a particular deal. Those who are drawn to jobs in commercial banking are often money-motivated, since this banking niche is known for its fat salaries and hefty bonuses paid upon the completion of successful major banking transactions.

Course Modules for Bankers

For those people who wish to become bankers, the best preparation for a banking career begins with a commercial banking course. Candidates who plan to work at jobs in commercial banks should expect to study the following subjects:

  • Classes of borrowers; borrowers are grouped according to size, market position, financials, and many other metrics in order to set interest rates and other financing terms;
  • Lending risks, since preservation of capital is critical to a bank’s survival, and loans of different risk levels carry different interest rates and terms, it is important to understand and manage loan risks effectively;
  • Performing, underperforming and non-performing assets, and how to measure, assess and improve performance of commercial debt investments of all kinds;
  • Foreign exchange, since international transfers are the key to our modern, globally-connected economy;
  • Technology in banking, because commercial banks rely on speedy, secure communications and cutting-edge technology in order to complete their transactions.

Commercial Banking Distance Learning and Colleges

Commercial banking is a broad field, covering everything from international trade to local mom-and-pop commercial credit lines for small merchants. There are many specialized commercial banking niches, and likewise there are many types of commercial banking courses to choose from. Fortunately, banking courses are offered by most colleges and universities, including both online and bricks-and-mortar classes, and there are also many other specialty schools and academic institutions offering courses in commercial banking.

Bricks-and-mortar banking classes offer “live” interaction and physical classrooms, yet they generally cost more than online banking courses. Also, online banking classes allow students maximum flexibility in scheduling their coursework and study sessions, yet some students miss the camaraderie of meeting in-person with the teachers and other students.

No matter the preference for bricks-and-mortar or online schools for banking, courses in commercial banking are available for serious students who have the discipline to follow through and complete a course in banking. Armed with a degree or certificate after completing a commercial banking course, a candidate is well-prepared to begin an interesting and profitable career in banking.

Leave a Reply