Barret’s curriculum is selected and designed to deliver to the student, in a demanding academic environment, a high level of understanding of all major functions performed in the financial institutions of today. Included are the analytical, operational, planning, and regulatory areas. The curriculum is reviewed and up-dated each session.

Tactical approaches to modern community banking

*Boosting Bank Profitability/4.5**

Financial Institutions and Markets/3.0

Technology, Payments, and Cybersecurity/3.0

*Financial Statements/8.5** (lender track only)

*Human Behavior/7.5**

Developing a Sales Culture/4.0

*Marketing and Business Development/7.5**

Compliance Management/4.0

Bank Operations Management/3.0 (non-lender track only)

*Lending for Non-Lenders/5.5** (non-lender track only)

Lecture Series Address/1.0

Total hours: 43

* Home study assignment required
** Case study discussion(s) included


Boosting Bank Profitability (Home Study Assignment Required)
Unique hands on course that culminates in a Home Study driven to increase your overall profitability.  Opportunities for improved results and best practices are identified specifically for each student’s organization while on site, with leadership follow up meetings upon return from the school.  The assignment addresses issues such as: margin and pricing pressure, the pace, benefits and cost of digital solutions, competition from non-banks for bank services as well as talent and client acquisition, resulting in improved profitability for your organization.

Technology, Payments, and Cybersecurity
An overview of bank technology focusing on current technology trends, online financial services including payment trends, system selection methodology, and network and Internet security issues.

Financial Statements (Home Study Assignment Required)
An introduction to the preparation and elementary analysis of financial statements, including a description of the accounting process, balance sheet and income statement preparation, and principles of small business accounting. Focus is on evaluating creditworthiness.

Human Behavior (Home Study Assignment Required) 
A detailed examination of the psychological characteristics (e.g., attitudes, personality, and motivation) that influence the way we interact with our environment, including clients, peers, employees, and supervisors.

Developing a Sales Culture
Objectives include understanding the meaning of a “sales culture” and the factors affecting client relationships. Focuses on defining steps to developing a sales culture within a team and yourself.

Marketing & Business Development (Home Study Assignment Required)
An assessment of the competitive positions of your bank, and the ability to use that assessment to better position your bank for competitive advantage and increased profitability. The course is designed to be a useful problem-solving and decision-making discussion for marketing strategy and planning.

Compliance Management
A review of federal and state laws pertaining to consumer regulation, including Community Reinvestment Act, Truth in Lending, RESPA, Bank Secrecy Act, and Consumer Privacy.

Financial Institutions and Markets
An overview of monetary and fiscal policies and how they impact the economic environment affecting commercial banks. Additional focus on the theory of interest rates, how they are determined, and understanding their term structure.

Operations Management (non-lender track only)
From the teller line to the board room, “operations” covers a large swath of the bank’s success.  This course will review innovations in community banking operations along with best practices.

Lending for Non-Lenders (non-lender track only)
Recognizing that some students will never make a loan in their career, this course introduces the concept of credit analysis and loan decisioning to non-lenders in order to gain an appreciation and knowledge of the bank’s most profitable asset…the loan portfolio.


Strategic Concepts for Community Bank Management

Asset/Liability Management/4.0

*Bank Performance Management & Strategic Planning/9.5**

The Business of Banking/3.0

*Commercial Lending/8.5**

*Economic Environment of Banking/5.5**

Investment Portfolio Managment/3.0

*Emotional Intelligence and Team Dynamic/7.5**

Lecture Series Address/1.0

Total hours: 42

* Home study assignment required
** Case study discussion(s) included


Commercial Lending (Home Study Assignment Required)
An in-depth analysis of the fundamentals of commercial real estate lending, including the major risks, important underwriting variables and how to understand key issues and differences among various property types. The concepts of sponsorship, loan monitoring, appraisals, and portfolio diversification are discussed.

Asset/Liability Management
An examination of the responsibilities of a bank’s Asset Liability Committee in the financial management of an institution. Issues to be discussed include capital management, liquidity and funding, pricing decisions, and interest rate risk management.

Bank Performance Management/Strategic Planning (Home Study Assignment Required) 
A study of bank financial performance based on an in-depth review of bank financial statements.  Focus is on ratio analysis and the use of the Uniform Bank Performance Report (UBPR). The course also focuses on the CAMELS regulatory performance rating and how a bank’s financial performance affects the component and composite ratings.  Includes the discussion of developing and implementing an effective strategic plan to help reach performance goals and improve financial performance.

The Business of Banking
A study of the business of banking, including current trends and hot topics affecting the industry, the Board and Director’s obligation to enhance shareholder value and various methods and strategic considerations to enhance shareholder value, including remaining independent and through mergers and acquisitions. 

Economic Environment of Banking (Home Study Assignment Required)
Macro- and micro-economic considerations that impact critical areas of the bank, including forecasting, product pricing, and understanding the importance of the economic base. Includes Federal Reserve System, monetary policy, and fiscal policy discussion.

Investment Portfolio Management
This course focuses on the basics of bond portfolio composition and management for a community bank.  Bond fundamentals, fixed income analytics and best practices consistent with the basic purpose of a bond portfolio will be discussed.

Emotional Intelligence and Team Dynamic (Home Study Assignment Required)
Emotional intelligence is effectively blending thinking & feeling to make optimal decisions.  Teams are an indispensable mechanism for organizing work.  How well teams function determines how much a company will thrive.  One of the key aspects to strong team dynamics is emotional intelligence.   Find out how emotionally intelligent you are and how you may be helping or hindering your team. 

Executive Concepts for Successful Community Bank Management

Balance Sheet Management/3.0

Enterprise Risk Management/4.0

Bank Simulation/15.5

Executive Learning Lab/4.0

Creating and Sustaining Culture/3.0

Loan Portfolio Management/4.0

Digital Marketing & Social Networking/4.0

Lecture Series Address/1.0

Total hours: 43 **

**Case study discussion(s) included


Digital Marketing & Social Networking
Community bankers need to have an appreciation and understanding of how to reach today’s customer via digital marketing strategies and social networking sites. While you may not be directly managing your banks online efforts, everyone needs to give consideration to how they are representing themselves online in today’s hyper-connected, online world. This course is led by a 15-year former community banker turned digital strategist to help students understand what’s happening online these days.

Balance Sheet Management
An overview introducing methods used to effectively manage the short and long-term funding needs of a financial institution, including capital planning and liquidity management strategies.

Loan Portfolio Management
An introduction to a risk focused framework for portfolio credit risk management incorporating an overview of the banking industry as a means to understanding priorities and industry culture while evaluating risk strategies and risk controls.

Enterprise Risk Management
An overview providing a general understanding of the major categories of risks, including credit risks, liquidity risk, market risk, operational risk, legal risk, reputational risk, and securities risks. Examples of managing financial risks are emphasized.

Bank Simulation
An interactive computer bank management simulation game designed to provide experience in total bank management, including decision-making, analysis of environmental conditions, investment strategies, and group interaction.

Creating and Sustaining Culture
Most cultures are ambiguous at best.  We see a great deal of espoused culture and values, but they are rarely shared amongst employees and applied to the way we work.  Culture and values are the new organizational structure and need to become the cement that bonds a diverse organization together.  Practice how you can influence the culture and values of your team directly. 

Executive Learning Lab
An informative and entertaining discussion of the various “secrets” to managing a successful financial institution using real examples as case studies for difficult management situations.


Barret School of Banking
650 East Parkway South Memphis, TN 38104
Phone: (901) 321-4000

Where the past, present and future of Community Banking Education connects.

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