Course Syllabus

Section 0313 - Fall 2019 Course Syllabus

Word document version of this Syllabus: 

Course Description

Comprehensive introduction to the fundamentals of credit analysis and lending; overview of financial statements; nature of credit and debt; credit and borrower risk analysis.

Student Learning Outcomes

Upon completion of the course, students will be able to:
1.  Understand and explain the nature of credit and debt
2.  Explain what comprises a set of financial statements
3.  Evaluate the risks in granting credit


Upon completion, students will be able to:
1. Interpret financial statements for the purpose of extending credit
2. Evaluate cash flow to determine ability to repay debt
3. Evaluate a borrower's credit history
4. Analyze the risk potential of borrowers

Class Meetings

This class is online.  We will have two Zoom meetings a week

Instructor Contact

Richard Strezo


Phone: (707) 527-4435

Office Hours: M,W,F Contact me anytime by email to set up a Zoom anytime after 5 p.m.

You may also use the Canvas Conversations Inbox to send me a message.

I will try to respond to emails as quickly as possible and usually within 24 hours.

Course Web Site

Students will use the Canvas course web site [for assignment instructions, submitting assignments, viewing classmates' work, sharing resources, and viewing grades].


Fundamentals of Credit and Credit Analysis . CreateSpace Independent Publishing Platform (January 14, 2015)

ISBN-10: 1507727631 

IBSN-13: 978-1507727638

You can locate and order textbooks online via the Amazon or  SRJC Bookstore. If your class is based out of Petaluma, your books will be listed on the Petaluma Bookstore web site.

Required Software

Run this computer readiness test (Links to an external site.) to check your browser for plugins and versions.

Important Dates

[Find these dates in your Faculty Portal when you View Roster > Display Roster. You can also find a table of the dates in the online schedule by clicking on the Date Begin/End link when viewing a course.

Date Class Begins: 10/21/2019   Date Class Ends: 12/20/2019
Last Day Add w/o add code: 10/23/2019   Last Day Add with add code: 11/1/2019
Last Day Drop for Refund: 10/26/2019   Last Day for P/NP option:  
Last Day Drop w/o W: 11/1/2019   Last Day Drop with W: 12/6/2019
FIRST CENSUS DATE: 11/1/2019   Date Final Exam: To be Arranged
      Date Midterm Roster: 11/19/2019 - 12/6/2019

Dropping the Class



For face-to-face courses, students who fail to attend the first class meeting may be dropped by the instructor. For classes that meet online, students who fail to log on and initiate participation by 11:59 p.m. Pacific Time of the first day of the class may be dropped by the instructor. 

Instructors are required to drop all No-Show students immediately following the second class meeting. A No-Show is an enrolled student who has not attended any class meeting of the course. For classes that meet online, a No-Show is an enrolled student who has not logged on and initiated active participation by 11:59 p.m. Pacific Time of the second day of the class. 

Pass‐No Pass (P/NP)

At this time, the Department has not told me if this class can be taken as a pass or no-pass.  I will find out the week of November 1.  If permitted, you may take this class P/NP. You must decide before the deadline, and add the option online with TLC or file the P/NP form with Admissions and Records. With a grade of C or better, you will get P.

You must file for the P/NP option by [TBD]. Once you decide to go for P/NP, you cannot change back to a letter grade. If you are taking this course as part of a certificate program, you can probably still take the class P/NP. Check with a counselor to be sure.

Instructor Announcements and Q&A Forum

The instructor will post announcements on the Announcements page in Canvas throughout the semester. Canvas notifies students according to their preferred Notification Preferences. [A “Q&A Forum” is also available as a pinned Discussion to ask for assistance of your classmates or of the instructor.]

Late Policy

All assignments are due [at 11:59 p.m. Pacific Standard Time] on the due date. [A late submission will receive a 20% penalty. Submissions more than one week late are not accepted without prior arrangement.]


There will be online quizzed and one final exam. The material comes from the textbook, class lectures and supplemental materials. If any exam is missed, a zero will be recorded as the score. It is your responsibility to take the exams by the due date.

Grading Policy

Click the “Grades” link in Canvas to keep track of your grades. I grade [once a week] and post grades and comments in the Canvas grade-book. *Note.  The points may change depending on the other modules but the percentages will remain the same.

Grades will be assigned as follows:









[If taking Pass/No Pass you need at least 70% of the total class points and complete the midterm exam and the final exam to pass the class.]

Standards of Conduct

Students who register in SRJC classes are required to abide by the SRJC Student Conduct Standards. Violation of the Standards is basis for referral to the Vice President of Student Services or dismissal from class or from the College. See the Student Code of Conduct page.

Collaborating on or copying of tests or homework in whole or in part will be considered an act of academic dishonesty and result in a grade of 0 for that test or assignment. Students are encouraged to share information and ideas, but not their work. See these links on Plagiarism:

SRJC Writing Center Lessons on avoiding plagiarism (Links to an external site.)
SRJC's statement on Academic Integrity (Links to an external site.)

Special Needs

Every effort is made to conform to accessibility standards for all instructor-created materials. Students should contact their instructor as soon as possible if they find that they cannot access any course materials. Students with disabilities who believe they need accommodations in this class are encouraged to contact Disability Resources (527-4278).

List of assignments

Note to students: the assignments listed below do not include all course content. To view all course content, go to Modules.


Other Important Policies and Practices

Avoid Plagiarism Like the, er, Plague

Although most students have likely heard about plagiarism during their years of schooling, it still is prevalent-even in higher education.

The video below reviews what plagiarism is and how not to do it.

Plagiarism: How to avoid it

This activity tests your knowledge of plagiarism (not graded): Self-check: Plagiarism

Netiquette, or Why Is It Harder to Be Polite Online?

Netiquette refers to using common courtesy in online communication. All members of the class are expected to follow netiquette in all course communications. Use these guidelines:

  • Use capital letters sparingly. THEY LOOK LIKE SHOUTING.
  • Forward emails only with a writer's permission.
  • Be considerate of others' feelings and use language carefully.
  • Cite all quotations, references, and sources (otherwise, it is plagiarism).
  • Use humor carefully. It is hard to "read" tone; sometimes humor can be misread as criticism or personal attack. Feel free to use emoticons like :) for a smiley face to let others know you are being humorous.
  • Use complete sentences and standard English grammar to compose posts. Write in proper paragraphs. Review work before submitting it.
  • Text speak, such as "ur" for "your" or "ru" for "are you" etc., is only acceptable when texting.

Special Needs

Students with disabilities who believe they need accommodations in this class are encouraged to contact Disability Resources (527-4278), as soon as possible to better ensure such accommodations are implemented in a timely fashion.

Course Summary:

Date Details Due