Finance (FIN)
The Finance associate degree provides students with knowledge and skills needed to succeed in entry-level and management training positions in financial institutions such as banks, insurance companies, investment firms, and corporate finance departments, as well as financial departments of non-profit organizations.
The finance field is broad and many opportunities are available to program graduates. In addition, the Finance program has established articulation agreements with universities for students who wish to pursue a bachelor's degree.
The Finance program can be completed through online learning.
Students seeking the Finance associate degree also are encouraged to seek industry certifications and licensure to enhance their career growth and salary.
- The Finance program is a Registered Education Program of the Association for Financial Counseling and Planning Education (AFCPE) and provides a pathway for students who wish to take the Accredited Financial Counselor (AFC) exam. The AFC certification demonstrates knowledge and experience needed to help individuals and families build a strong financial foundation, realize their goals, and achieve lasting financial well-being.
- To be eligible to take the AFC exam, students must complete two courses: Personal Finance (FIN 100) and Interviewing and Counseling (HSV 115). Both courses are offered in online format. Verification of financial counseling experience also is required to attain the AFC designation.
- For more information about the AFC certification, contact the Finance Program Chair or visit the AFCPE website at https://www.afcpe.org/certification.
Banking and Financial Services Certificate (BFSC)
The Banking and Financial Services Certificate prepares students for entry-level employment with commercial and community banks and other financial services organizations such as insurance companies and investment firms.
The certificate courses focus on understanding key financial concepts that are critical to serving financial institutions' clients, along with building skills in customer relations.
All courses in the certificate program also apply to the Finance associate degree program, and all certificate courses can be completed through online education.
The certificate program does not include cooperative education opportunities.
Students seeking the Banking and Financial Services Certificate may wish to seek industry certifications to enhance their career growth and salary.
- The Cincinnati State Finance program is a Registered Education Program of the Association for Financial Counseling and Planning Education (AFCPE) and provides a pathway for students who wish to take the Accredited Financial Counselor (AFC) exam. The AFC certification demonstrates knowledge and experience needed to help individuals and families build a strong financial foundation, realize their goals, and achieve lasting financial well-being.
- To be eligible to take the AFC exam, students must complete two courses: Personal Finance (FIN 100 - required for the certificate) and Interviewing and Counseling (HSV 115 - an elective for the certificate). Both courses are offered in online format. Verification of financial counseling experience also is required to attain the AFC designation.
- For more information about the AFC certification, contact the Program Chair or visit the AFCPE website at https://www.afcpe.org/certification.
Financial Counselor Certificate (FCC)
The Financial Counselor Certificate provides knowledge and skills required to help individuals and families build a strong financial foundation, realize their goals, and achieve lasting financial well-being.
Successfully completing the certificate provides a pathway for students who wish to take the Accredited Financial Counselor (AFC) exam offered by the Association for Financial Counseling and Planning Education (AFCPE). Verification of financial counseling experience also is required to attain the AFC designation.
All courses in the certificate program also apply to the Finance associate's degree program, and all certificate courses can be completed through online education.
The certificate program does not include cooperative education opportunities.
- The Cincinnati State Finance associate's degree program is a Registered Education Program of the AFCPE.
- For more information about the AFC certification, contact the Program Chair or visit the AFCPE website at https://www.afcpe.org/certification.
For more information, please contact the Business Technologies Division at (513) 569-1620.
To apply for this program at Cincinnati State, visit the Admissions section of the College website.
Finance (FIN)
| Semester 1 | Lec | Lab | Credits | |
|---|---|---|---|---|
| FYE 1XX First Year Experience Elective (B) | 1 | 0 | 1 | |
| ACC 101 | Financial Accounting ( B) | 2 | 2 | 3 |
| ENG 101 | English Composition 1 ( G) | 3 | 0 | 3 |
| FIN 100 | Personal Finance ( T) | 3 | 0 | 3 |
| FIN 130 | Principles of Banking ( T) | 3 | 0 | 3 |
| MAT XXX Mathematics Elective (G) | 3 | 0 | 3 | |
| Semester 2 | ||||
| BUS 190 | Professional Practices ( B) | 1 | 0 | 1 |
| ACC 102 | Managerial Accounting ( T) | 2 | 2 | 3 |
| LAW 101 | Business Law ( B) | 3 | 0 | 3 |
| FIN 120 | Risk and Insurance ( T) | 3 | 0 | 3 |
| IM 120 | Electronic Spreadsheets: Microsoft Excel ( B) | 2 | 3 | 3 |
| ENG 10X English Composition Elective (G) | 3 | 0 | 3 | |
| Semester 3 | ||||
| FIN X9X Cooperative Education Elective 1: Finance (T) | 1 | 40 | 2 | |
| Semester 4 | ||||
| ECO 110 | Principles of Macroeconomics ( G) | 3 | 0 | 3 |
| FIN 150 | Business Finance ( T) | 3 | 0 | 3 |
| XXX XXX Technical Elective 1 (T) | 3 | 0 | 3 | |
| XXX XXX Technical Elective 2 (T) | 3 | 0 | 3 | |
| Semester 5 | ||||
| FIN 200 | Stocks, Bonds, and Investing Principles ( T) | 3 | 0 | 3 |
| FIN X9X Cooperative Education Elective 2: Finance (T) | 1 | 40 | 2 | |
| Semester 6 | ||||
| MKT XXX Marketing Elective (B) | 3 | 0 | 3 | |
| XXX XXX Arts/Humanities Elective or Natural/Physical Science Elective (G) | 3 | 0 | 3 | |
| XXX XXX Technical Elective 3 (T) | 3 | 0 | 3 | |
| XXX XXX Technical Elective 4 (T) | 3 | 0 | 3 | |
| Total Credits: | 58 | 87 | 63 | |
Electives
Students must consult with an Academic Advisor when choosing electives.
| First Year Experience Elective | ||
| FYE 100 | College Success Strategies: Overview | 1 |
| FYE 105 | College Success Strategies: Overview and Application | 2 |
| FYE 110 | College Success Strategies: Practice and Application | 3 |
| Mathematics Elective | ||
| MAT 105 | Quantitative Reasoning | 3 |
| MAT 125 | Algebra and Trigonometry | 4 |
| MAT 126 | Functions and Calculus | 4 |
| MAT 131 | Statistics 1 | 3 |
| MAT 132 | Statistics 2 | 3 |
| MAT 151 | College Algebra | 4 |
| MAT 215 | Business Calculus | 6 |
| MAT 251 | Calculus 1 | 5 |
| MAT 252 | Calculus 2 | 5 |
| English Composition Elective | ||
| ENG 102 | English Composition 2: Contemporary Issues | 3 |
| ENG 103 | English Composition 2: Writing about Literature | 3 |
| ENG 104 | English Composition 2: Technical Communication | 3 |
| ENG 105 | English Composition 2: Business Communication | 3 |
| Marketing Elective | ||
| MKT 101 | Principles of Marketing | 3 |
| MKT 105 | Marketing and Customer Relations | 3 |
| MKT 130 | Principles of Sales | 3 |
| Arts/Humanities Elective or Natural/Physical Science Elective (select one course) | ||
| Any OT36 course from ART, LIT, MUS, PHI, REL, THE, or COMM 130 | 3 | |
| or, any OT36 course from BIO, CHE, EVS, PHY, PSC | 3 | |
| Cooperative Education Electives (4 credit hours required) | ||
| FIN 191 | Part-Time Cooperative Education 1: Finance | 1 |
| FIN 192 | Part-Time Cooperative Education 2: Finance | 1 |
| FIN 193 | Part-Time Cooperative Education 3: Finance | 1 |
| FIN 194 | Part-Time Cooperative Education 4: Finance | 1 |
| FIN 197 | Part-Time Career Education Project: Finance | 1 |
| FIN 291 | Full-Time Cooperative Education 1: Finance | 2 |
| FIN 292 | Full-Time Cooperative Education 2: Finance | 2 |
| FIN 297 | Full-Time Career Education Project: Finance | 2 |
| Technical Electives (Total of 12 credits required) | ||
| ACC 175 | Federal Taxation: Individuals | 3 |
| ACC 180 | Federal Taxation: Business | 3 |
| ACC 201 | Intermediate Accounting 1 | 4 |
| ACC 202 | Intermediate Accounting 2 | 3 |
| ACC 210 | Cost Accounting | 3 |
| COMM 105 | Interpersonal Communication | 3 |
| COMM 110 | Public Speaking | 3 |
| ECO 105 | Principles of Microeconomics | 3 |
| HSV 115 | Counseling and Interviewing Techniques | 3 |
| LAW 110 | Employment and Administrative Law | 3 |
| LAW 130 | Estate Planning, Family and Probate Law | 3 |
| MGT 101 | Principles of Management | 3 |
| MGT 105 | Human Resource Management | 3 |
| MGT 120 | Entrepreneurship | 3 |
| MGT 130 | Project Management | 3 |
| RE 100 | Real Estate Principles and Practices | 3 |
| RE 105 | Real Estate Law | 3 |
| RE 110 | Real Estate Appraisal and Finance | 3 |
Some courses are offered in alternative versions identified with a letter after the course number-- for example, ENG 101 and ENG 101A.
- This curriculum displays only course numbers without the added letter.
- The alternative version, when available, meets the requirements of the course version without the added letter.
The letters G, B, and T (displayed after course titles or elective descriptions) identify types of courses required by the Ohio Department of Higher Education as part of an associate’s degree curriculum.
G = General Education course in this curriculum
B = Basic Skills course in this curriculum
T = Technical course in this curriculum
Banking and Financial Services Certificate (BFSC)
| First Year | ||||
|---|---|---|---|---|
| Semester 1 | Lec | Lab | Credits | |
| FIN 100 | Personal Finance | 3 | 0 | 3 |
| ENG 101 | English Composition 1 | 3 | 0 | 3 |
| FIN 130 | Principles of Banking | 3 | 0 | 3 |
| IM XXX Computer Skills Elective | 2 | 3 | 3 | |
| MAT XXX Mathematics Elective | 2 | 2 | 3 | |
| Semester 2 | ||||
| ACC 101 | Financial Accounting | 3 | 0 | 3 |
| LAW 101 | Business Law | 3 | 0 | 3 |
| ECO 110 | Principles of Macroeconomics | 3 | 0 | 3 |
| MKT 105 | Marketing and Customer Relations | 3 | 0 | 3 |
| XXX XXX Technical Elective (T) | 3 | 0 | 3 | |
| Total Credits: | 28 | 5 | 30 | |
Electives
| Students must consult with an Academic Advisor when choosing electives | ||
| Computer Skills Elective | ||
| IM 111 | Computer Applications | 3 |
| IM 120 | Electronic Spreadsheets: Microsoft Excel | 3 |
| Mathematics Elective | ||
| MAT 105 | Quantitative Reasoning | 3 |
| MAT 131 | Statistics 1 | 3 |
| Technical Elective | ||
| HSV 115 | Counseling and Interviewing Techniques | 3 |
| FIN 120 | Risk and Insurance | 3 |
| FIN 200 | Stocks, Bonds, and Investing Principles | 3 |
Financial Counselor Certificate (FCC)
| First Year | ||||
|---|---|---|---|---|
| Semester 1 | Lec | Lab | Credits | |
| FIN 100 | Personal Finance | 3 | 0 | 3 |
| HSV 115 | Counseling and Interviewing Techniques | 3 | 0 | 3 |
| Total Credits: | 6 | 0 | 6 | |
Some courses are offered in alternative versions identified with a letter after the course number-- for example, ENG 101 and ENG 101A.
- This curriculum displays only course numbers without the added letter.
- The alternative version, when available, meets the requirements of the course version without the added letter.
Finance Technology (FIN)
- Apply time value of money concepts to decision-making in both personal and corporate financial planning.
- Demonstrate basic knowledge of corporate financial decision-making.
- Develop an appropriate portfolio of securities for an individual considering risk tolerance and time horizon.
- Create a risk assessment for an individual using principles of risk and insurance.
- Describe the framework of the US and global financial system and the role of individual financial institutions in this framework.
- Demonstrate employability skills in a financial environment.
Courses
FIN 100 Personal Finance
3 Credits. 3 Lecture Hours. 0 Lab Hour.
A course on coordinated and realistic personal financial planning. Topics include: budgeting and tax planning, managing liquidity, personal loans, purchasing cars and homes, insurance and investing principles, and retirement and estate planning.
Prerequisites: Placement in ENG 101A and MAT 093 (minimum grade C) or appropriate math placement
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FIN 120 Risk and Insurance
3 Credits. 3 Lecture Hours. 0 Lab Hour.
A course on principles of risk management and insurance for enterprises and individuals. Topics include: fundamentals of life, health, property, and liability insurance; and enterprise risk management for businesses. This course is offered through online delivery only.
Prerequisites: FYE 120 or placement into ENG 101
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FIN 130 Principles of Banking
3 Credits. 3 Lecture Hours. 0 Lab Hour.
A course on fundamental principles and practices of banking and credit in the United States. Topics include: financial services operations including human resources, marketing, and ethics; money and interest; negotiable instruments; mortgages; commercial lending; security; and the role of banking in today's economy. This course is offered through online delivery only.
Prerequisites: Placement into ENG 101A
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FIN 150 Business Finance
3 Credits. 3 Lecture Hours. 0 Lab Hour.
A course on principles of financing business firms. Topics include: financial statement analysis, time value of money, management of cash flow, risk and return, and short and long-term sources of financing.
Prerequisites: ACC 101
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FIN 191 Part-Time Cooperative Education 1: Finance
1 Credit. 1 Lecture Hour. 20 Lab Hours.
Students seeking an associate's degree participate in their first part-time field learning experience related to their degree. Students are expected to register for academic courses during the same semester. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: BUS 190 (minimum grade C)
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FIN 192 Part-Time Cooperative Education 2: Finance
1 Credit. 1 Lecture Hour. 20 Lab Hours.
Students seeking an associate's degree participate in their second part-time field learning experience related to their degree. Students are expected to register for academic courses during the same semester. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: FIN 191
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FIN 193 Part-Time Cooperative Education 3: Finance
1 Credit. 1 Lecture Hour. 20 Lab Hours.
Students seeking an associate's degree participate in their third part-time field learning experience related to their degree. Students are expected to register for academic courses during the same semester. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: FIN 192
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FIN 194 Part-Time Cooperative Education 4: Finance
1 Credit. 1 Lecture Hour. 20 Lab Hours.
Students seeking an associate's degree participate in their fourth part-time field learning experience related to their degree. Students are expected to register for academic courses during the same semester. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: FIN 193
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FIN 195 Part-Time Cooperative Education 5: Finance
1 Credit. 1 Lecture Hour. 20 Lab Hours.
Students seeking an associate's degree participate in their fifth part-time field learning experience related to their degree. Students are expected to register for academic courses during the same semester. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: FIN 194
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FIN 196 Part-Time Cooperative Education 6: Finance
1 Credit. 1 Lecture Hour. 20 Lab Hours.
Students seeking an associate's degree participate in their sixth part-time field learning experience related to their degree. Students are expected to register for academic courses during the same semester. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: FIN 195
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FIN 197 Part-Time Career Education Project: Finance
1 Credit. 1 Lecture Hour. 20 Lab Hours.
Students seeking an associate's degree complete individual study or a special project related to their major field and pertaining to their career goals. Working with an assigned faculty mentor, students define the project goals, carry out project tasks, and evaluate the results. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: BUS 190 and coordinator consent
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Instructor Consent Required
FIN 200 Stocks, Bonds, and Investing Principles
3 Credits. 3 Lecture Hours. 0 Lab Hour.
A course on securities and the markets in which they are traded, and sources of financial information. Topics include: features and characteristics of financial instruments such as money market instruments, stocks, bonds, mutual funds and exchange-traded funds, international securities, options, and futures contracts. This course is offered through online learning only.
Prerequisites: FIN 100 or ACC 101
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FIN 291 Full-Time Cooperative Education 1: Finance
2 Credits. 1 Lecture Hour. 40 Lab Hours.
Students seeking an associate's degree participate in their first full-time field learning experience related to their degree. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: BUS 190 (minimum grade C)
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FIN 292 Full-Time Cooperative Education 2: Finance
2 Credits. 1 Lecture Hour. 40 Lab Hours.
Students seeking an associate's degree participate in their second full-time field learning experience related to their degree. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: FIN 291
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FIN 293 Full-Time Cooperative Education 3: Finance
2 Credits. 1 Lecture Hour. 40 Lab Hours.
Students seeking an associate's degree participate in their third full-time field learning experience related to their degree. Students must follow cooperative education policies and procedures to earn credit. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: FIN 292
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FIN 297 Full-Time Career Education Project: Finance
2 Credits. 1 Lecture Hour. 40 Lab Hours.
Students seeking an associate's degree complete individual study or a special project related to their major field and pertaining to their career goals. Working with an assigned faculty mentor, students define the project goals, carry out project tasks, and evaluate the results. Grades issued are Satisfactory or Unsatisfactory.
Prerequisites: BUS 190 and coordinator consent
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Instructor Consent Required