2019 – 2020
Florida Department of Education
Curriculum Framework 

Program Title:	Mortgage Finance Specialist – Financial Services
Career Cluster:	Finance

CCC	
CIP Number	0252080105	
Program Type	College Credit Certificate (CCC)	
Program Length	12 credit hours	
CTSO	Collegiate DECA	
SOC Codes (all applicable) 	11-3031 – Financial Managers	
CTE Program Resources 	http://www.fldoe.org/academics/career-adult-edu/career-tech-edu/program-resources.stml	

Purpose

This certificate program is part of the Financial Services AS degree program (1252080100). 

A College Credit Certificate consists of a program of instruction of less than sixty (60) credits of college-level courses, which is part of an AS or AAS degree program and prepares students for entry into employment (Rule 6A-14.030, F.A.C.).

The purpose of this program is to prepare students for employment in the Mortgage Finance industry in a position such as loan processor. 

This program offers a sequence of courses that provides coherent and rigorous content aligned with challenging academic standards and relevant technical knowledge and skills needed to prepare for further education and careers in the Finance career cluster; provides technical skill proficiency, and includes competency-based applied learning that contributes to the academic knowledge, higher-order reasoning and problem-solving skills, work attitudes, general employability skills, technical skills, and occupation-specific skills, and knowledge of all aspects of the Finance career cluster.

Additional Information relevant to this Career and Technical Education (CTE) program is provided at the end of this document.

Standards

After successfully completing this program, the student will be able to perform the following:

01.0	Demonstrate comprehension and communication skills.
02.0	Demonstrate effective customer services skills. 
03.0	Demonstrate human relations skills necessary for workplace success.
04.0	Demonstrate proficiency in using microcomputer and electronic skills to perform job functions.
05.0	Perform general organizational workplace competencies.
06.0	Demonstrate sales and marketing fundamentals.
07.0	Demonstrate employability skills.
08.0	Manage career development.
09.0	Understand terminology unique to the mortgage finance industry.
10.0	Demonstrate knowledge of rules and regulations.
11.0	Manage client relationships.
12.0	Manage business plan.
13.0	Demonstrate knowledge of loan processing.
14.0	Demonstrate knowledge of the residential mortgage lending process.

2019 – 2020
Florida Department of Education
Student Performance Standards

Program Title:	Mortgage Finance Specialist – Financial Services
CIP Number:		0252080105
Program Length:	12 credit hours
SOC Code(s):		11-3031

This certificate program is part of the Financial Services AS degree program (1252080100).  At the completion of this program, the student will be able to:	
01.0	Demonstrate comprehension and communication skills. The student will be able to:	
01.01	Follow written and oral technical instructions.	
01.02	Take notes, organize, summarize, and paraphrase ideas and details.	
01.03	Apply active listening and observation skills to obtain and clarify information transmitted through verbal and non-verbal behaviors.	
01.04	Gather, read, discuss, evaluate, and critique work from professional journals related to the course content.	
02.0	Demonstrate effective customer service skills. The student will be able to:	
02.01	Use appropriate communication skills, telephone etiquette, courtesy, and manners when dealing with customers.	
02.02	Identify and evaluate customer needs.	
02.03	Respond to client inquiries in a timely matter.	
02.04	Access and maintain client records.	
02.05	Provide timely accurate information to meet customer needs.	
02.06	Utilize available techniques to effectively serve customers. 	
02.07	Utilize a process to assist clients, including difficult customers, with problem resolution.	
03.0	Demonstrate human relations skills necessary for workplace success. The student will be able to:	
03.01	Exhibit interest and enthusiasm.	
03.02	Demonstrate a positive mental attitude.	
03.03	Demonstrate traits of being industrious and cooperative.	
03.04	Demonstrate sincerity, patience, courtesy, and tact.	
03.05	Exhibit punctuality, attendance and dependability.	
04.0	Demonstrate proficiency in using microcomputer and electronic skills to perform job functions. The student will be able to:	
04.01	Apply the following tools to increase work efficiency: telephone systems, word processing, database, spreadsheet programs, presentation programs, email systems and the internet.	
04.02	Utilize computer technology to access, analyze and interpret business information.	
05.0	Perform general organizational workplace competencies. The student will be able to:	
05.01	Demonstrate self-motivation and responsibility to complete an assigned task.	
05.02	Identify problem solving techniques.	
06.0	Demonstrate sales and marketing fundamentals. The student will be able to:	
06.01	Demonstrate knowledge of services and/or products offered.	
07.0	Demonstrate employability skills. The student will be able to:	
07.01	Identify personal interest and aptitudes; skills, knowledge; strength and weaknesses.	
07.02	Identify and apply sources of job search including networking, internet, job fairs, employment agencies and others.	
07.03	Conduct a job search.	
07.04	Research information about specific job.	
07.05	Identify documents that may be required when applying for a job.	
07.06	Create an appropriate application portfolio including letter of applications, resumes, thank you letters and available references.	
07.07	Identify methods for requesting and obtaining employment references.	
07.08	Complete a job application and employment form correctly.	
07.09	Identify, understand and demonstrate the job interview process.	
07.10	Demonstrate verbal and non-verbal communication skills, appropriate business attire and hygiene. 	
07.11	Discuss employer expectations regarding attendance, punctuality, initiative, teamwork, etc.	
07.12	Understand and apply the process of accepting and declining job offers.	
08.0	Manage career development. The student will be able to:	
08.01	Enhance personal business skills.	
08.02	Formulate a career plan for post-graduation.	
08.03	Comply with continuing education needs/requirements.	
09.0	Understand terminology unique to the mortgage finance industry. The student will be able to:	
09.01	Understand and use terminology as it applies to the mortgage finance and credit industry.	
09.02	Know how to communicate with a customer in layman’s language.	
10.0	Demonstrate knowledge of rules and regulations. The student will be able to:	
10.01	Understand Federal and state regulations and the examinations of financial institutions.	
10.02	Understand business law as it applies to the financial services industry.	
11.0	Manage client relationships. The student will be able to:	
11.01	Respond to client inquires.	
11.02	Access client records	
11.03	Process administrative changes	
11.04	Assist clients with problem resolution.	
11.05	Perform client reviews as needed.	
11.06	Build client relationships.	
11.07	Maintain client contact system.	
11.08	Maintain client files.	
11.09	Monitor compliance procedures.	
12.0	Manage business plan. The student will be able to:	
12.01	Determine licensing requirements.	
12.02	Obtain appropriate licensing and appointments.	
12.03	Define target market.	
12.04	Set income objectives and sales goals.	
12.05	Select prospecting activity.	
12.06	Determine selling systems to be implemented.	
12.07	Acquire product knowledge.	
12.08	Determine office support equipment needs.	
12.09	Determine software systems and training needs.	
13.0	Demonstrate knowledge of loan processing. The student will be able to:	
13.01	Identify underwriting requirements for conventional loans, FHA and VA.	
13.02	Demonstrate knowledge of credit analysis/counseling skills.	
13.03	Discuss the concepts of affordable housing	
13.04	Identify types of community lending products and programs.	
14.0	Demonstrate knowledge of the residential mortgage lending process. The student will be able to:	
14.01	Identify and define residential lending and mortgage financing terminology.	
14.02	Demonstrate comprehension of mortgage loan documentation.	
14.03	Analyze a borrower’s credit report and outstanding debt.	
14.04	Determine a mortgage applicant’s ability to qualify.	
14.05	Describe how to obtain and analyze the legal and financial requirements of the loan transaction.	

Additional Information

Laboratory Activities

Laboratory investigations that include scientific inquiry, research, measurement, problem solving, emerging technologies, tools and equipment, as well as, experimental, quality, and safety procedures are an integral part of this career and technical program/course. Laboratory investigations benefit all students by developing an understanding of the complexity and ambiguity of empirical work, as well as the skills required to manage, operate, calibrate and troubleshoot equipment/tools used to make observations. Students understand measurement error; and have the skills to aggregate, interpret, and present the resulting data. Equipment and supplies should be provided to enhance hands-on experiences for students.

Career and Technical Student Organization (CTSO)

Collegiate DECA is the intercurricular career and technical student organization providing leadership training and reinforcing specific career and technical skills.  Career and Technical Student Organizations provide activities for students as an integral part of the instruction offered.  

Accommodations

Federal and state legislation requires the provision of accommodations for students with disabilities as identified on the secondary student’s Individual Educational Plan (IEP) or 504 plan or postsecondary student’s accommodations’ plan to meet individual needs and ensure equal access.  Accommodations change the way the student is instructed.  Students with disabilities may need accommodations in such areas as instructional methods and materials, assignments and assessments, time demands and schedules, learning environment, assistive technology and special communication systems.  Documentation of the accommodations requested and provided should be maintained in a confidential file.

Additional Resources

For additional information regarding articulation agreements, Bright Futures Scholarships, Fine Arts/Practical Arts Credit and Equivalent Mathematics and Equally Rigorous Science Courses please refer to:
http://www.fldoe.org/academics/career-adult-edu/career-tech-edu/program-resources.stml.