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Core Classes | First Year Students
The exceptional reputation of Pacific Coast Banking School has been built on a program consisting of:
 relevant cutting-edge courses developed by leading faculty, top industry consultants and senior bankers in the United States.
 powerful, relevant curriculum with full-length courses which go hand-in-hand with our students' experience, education, and the goals of their organization, focusing on the principles and strategies needed to manage a financial institution.
rigorously selected and evaluated world-class faculty.
The first year at PCBS is designed to equip students to rise into leadership by providing a broad foundation in bank management, including economic, financial, and leadership courses. The curriculum is entirely comprised of core (or required) courses. The in-depth information provided is then utilized in the four extension problems throughout the year between the first and second sessions.
Analysis of Business Conditions
This course involves analysis and interpretation of the macro-economy. National policies designed to promote employment, price stability, and economic growth are considered. The course reviews the major schools of economic thought and then carefully examines the postwar performance of the U.S. economy, demographics, actions by the Fed, and current national and international policies.
Credit Risk Management: Predicting Portfolio Credit Quality
Credit risk management has traditionally focused on transaction management. Policies, procedures, systems and controls were designed to assure the bank originated quality transactions. Yet, many banks have failed despite doing an adequate job of managing the risk in individual transactions. These banks became victims of the three deadly sins of credit risk management. This course will allow students to define their institution’s tolerance for risk, assess the bank’s credit culture, and assess the potential for volatility in portfolio credit quality and earnings. Students will construct a credit risk profile for their bank to assess the institution’s vulnerability to the three deadly sins and will be given an opportunity to evaluate their bank’s credit process. Students will be able to benchmark their institution’s loan policy, loan approval process, asset quality (risk) rating framework, credit policy committee, credit administration and loan review functions against industry best practices. Students will also be introduced to tools to better manage portfolio credit risk.
Managing Bank Financial Performance
Topics covered include financial structure and financial performance of banks; sources of information for measuring financial performance of banks; analyzing and evaluating bank profitability; analyzing and evaluating financial risk of banks; and analyzing bank rating services. The most important concepts that students learn from this course include how to integrate financial reports on the banking industry, how to pin-point the weaknesses and strengths of a financial institutions by going through information provided in the UBPR, and how to evaluate a bank’s financial performance and find solutions to improve bank performance.
Understanding Business Finance
This course takes into consideration major decision areas relative to the financial management of business. A combination of lectures and cases provides an opportunity to discuss both the conceptual framework and the application of specific techniques to business situations. Major topics include a consideration of the role of the financial manager in the firm and the process of allocating scarce financial resources to meet long-term corporate objectives. Case analysis provides hands-on experience with the evaluation of financial performance, estimating future funds requirements, principles of valuation and the evaluation of asset investment opportunities in a competitive environment. Throughout the course, current developments in the rapidly changing field of management are brought forth and discussed. Students complete an extension problem on this subject between their first and second resident sessions.
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