Personal Banker Courses and Classes Overview

Personal bankers help clients sort out their finances and pursue financial goals; they may also be referred to as financial advisors or financial services sales agents.

Essential Information

Personal banker courses are primarily available through certificate, associate's, bachelor's and master's degree programs in banking, finance and accounting. Students in these courses learn the financial management skills needed to counsel clients who want to take control of their personal finances. Consumer finance, commercial bank management, financial markets, banking and decision-making are some topics covered in personal banker classes.

A bachelor's degree is the standard requirement for many personal bankers. Those professionals who buy or sell securities for clients must be licensed in their state. In addition, financial advisors who have three years of relevant experience and at least a bachelor's degree can pursue the Certified Financial Planner credential.

Here are some common concepts in personal banker courses:

  • Functional perspective
  • Product and process innovations
  • Financial decisions
  • Fiscal policies
  • History of banking
  • Regulation

List of Classes

Consumer Finance Course

Students who hope to become personal bankers take this course to manage their own finances and to gain the skills and knowledge to help others take control of their finances. Students receive practical experience analyzing financial statements, personal assets and loans to determine an individual's net worth. Typically, the course covers the current financial environment and what that means to individuals who hope to invest their money, buy a home or save money.

Financial Markets and Banking Course

In this intermediate personal banking course, students learn how money flows to and from consumers and financial institutions through loans, stocks and bonds. The course explores how banks lend money to individuals and the tactics individuals can use to save money. In addition, students learn the way funds work to cover long-term and short-term loans.

Commercial Bank Management Course

Students in a commercial bank management course learn to keep track of a bank's assets. This banking course also covers the way a bank is organized so graduates can manage a financial institution effectively by investing funds, predicting trends and finding ways to keep the bank profitable. This course can provide students with the skills to reach management levels within a bank and to help a bank reach its maximum value. Often, this course discusses common problems that banks face and the decisions that managers make on a regular basis.

Special Topics in Banking Course

These classes address specific issues, such as financing and closing a mortgage or car loan, that personal bankers may need to know when working with clients. Students taking the course learn the documents their clients will need for financial transactions, including documents backing creditworthiness. Often, this course covers current or recent events that affect the way the banking industry operates.

Financial Decision Making and Analyzing Financial Statements Course

Students taking this course analyze financial statements to recommend a financial plan to individuals. Prospective personal bankers analyze the risk of making various investments by forecasting the possible future of a company or industry, and providing reasons to back up their decisions. Students discuss possible returns from making various investments. Often, they pretend to invest funds in a company's stock, then track the stock over the length of the semester to observe changes over time and how those changes affect the value of their investment. Sometimes students in class discuss cover reasons for the change, such as a drop in the economy, the approach of summer or the bankruptcy of another company within the industry.

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