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Continuing and Professional Education

Competency-Based Learning Solutions for Business and Industry



The Commercial Credit Certificate (CCC) has been designed to prepare individuals to begin or advance careers in commercial banking—particularly in positions related to commercial credit and underwriting. 

Its curriculum is the result of the collaboration between several financial institutions and the University of Houston-Downtown.   Commercial credit executives from several national and regional banks and the College of Business faculty created a working group to identify the basic concepts, tools, and techniques that lending professionals need for making informed decisions in the highly dynamic commercial lending environment.

The program has been structured to prepare individuals to gain the understanding and abilities required by bank professionals to bring in qualified business to a financial institution.  Credit analysts, business banking analysts, relationship managers, commercial lenders, and lending new hires will benefit from completing the Commercial Credit Certificate.

  • Najeeb Baqui

    Houston, TX

    Baqui is currently the Vice President at Rioux Capital. He received a BBA, Finance and Economics from Pace University-Lubin School of Business and BS, Finance from Adelphi University. He is also a member of the Commercial Finance Association (CFA), the Association for Corporate Growth (ACG) and many others. His goals are to “continue to learn, ask questions, share success, be the example, volunteer, aim high, always stay positive, embrace past mistakes and use it to garner a stronger and more meaningful future.”

  • Amanda Castillo

    League City, TX

    Castillo is currently a Business Associate at Wells Fargo since 2013. She has a BA, Business Management. “I enrolled in this program to grow in my understanding of what loan officers look for when prospecting and evaluating a deal. I enjoyed the conversation from Dr. Verma in attempts to make the information easy to understand and applicable. I gained understanding of what is important information from the financial statements, and what the credit underwriter expects the banker to understand and have answers for. I would recommend the program to other banking professionals in order to gain some familiarity of what goes on in the loan process.”

  • Bibiana Grajales

    Katy, TX

    Grajales is currently a Commercial Relationship Associate at BBVA Compass. She graduated from University of Phoenix with a BS, Business Administration. She has been in the banking industry for over 10 years in many different positions. She is also a member of the International Commercial Group.

  • Corey McKewen

    Houston, TX

    McKewen is currently a Business Banking Specialist at Wells Fargo since 2006. Prior, he was an Account Executive at Five Point Capital in San Diego, California. He has a BA, Business Management from Texas Tech University. Throughout his years of experience, he has received multiple awards for sales, loans, and referrals.

  • Daniel Hickey

    Mont Belvieu, TX

    Hickey is currently a Business Banking Specialist at Wells Fargo Bank since 2012. He has a BA, English with a minor in Social Sciences from Canterbury Christchurch University College. He is very determined and self-motivated. “The Commercial Credit Program will further set me apart from my peers and speed up the movement from retail into the business banking group as a Relationship Manager.”

  • Harrison Hargrave

    Houston, TX

    Hargrave is currently a Credit Analyst for Third Coast SSB. He received his B.A, Political Science and Government from Texas Tech University. He was also in the Texas Tech Study Abroad Program: Council on International Education Exchange (CIEE) at East China Normal University. “I am very happy with my experience in the CCC program. I got a lot out of it and gained a lot of knowledge throughout the entire course that was all very enjoyable. I am 24 years old, what seemed to be one of the youngest in the course. I am very new to the commercial banking industry and I was recently hired on as a Credit Analyst with little financial background. It seemed that my less than one year banking experience was of the smallest amount of experience in the class. The CCC program has helped me very much to become more knowledgeable of the banking industry in many different ways. I am more confident in my abilities as an analyst. I believe that the CCC program has helped me become more qualified for my position. I will definitely recommend this program to other banking professionals for the reasons stated above that have benefited me."

  • Jessica Quintanilla

    Houston, TX

    Quintanilla is currently a Store Manager at Wells Fargo since 2010. She has been a part of the banking industry for 9 years in various positions. She has a BBA in Business Administration, Management from the University of Houston-Downtown.

  • Jonathon Mason

    Houston, TX

    Mason is currently a Commercial Lender VP at Whitney Bank since 2012. He has over 10 years of experience in the Banking Industry. He has a Bachelor of Social Science from Surrey University in London, England. He received the 2009 “Rookie of the Year” award and the 2010 “Repeat Top Producer” award presented by First Citizens Bank & Trust Company.

  • Kandace Moon

    Houston, TX

    Moon is currently the Vice President at Green Bank. Prior, she was the Vice President of Plains State Bank. She received her MS at the University of Houston-Main Campus. In 2011, she received the Fundamental Lender Diploma from National Association of Government Guaranteed Lenders (NAGGL).

  • Luis Gonzalez

    Houston, TX

    Gonzales is currently a Corporate Relationship VP at BBVA Compass Bank. He received the “Outstanding Achievement Award” presented by BBVA for his end of the year performance review. He has an Associates of Science, Business Management from Northwest Vista College of Alamo Colleges.

  • Marcos Gomez

    Katy, TX

    Gomez is currently a Commercial Middle Market Officer at Mercantil Commerce Bank where he served as a key member on the commercial banking team primarily focused on commercial real estate. He has a BBA in Finance from Texas State University.

  • Peter Guzmann

    Spring, TX

    Guzmann is currently a Credit Manager at Old Union Financial since 2010. He has a strong industry background. He received a BA, Finance from Texas State University-San Marcos and MBA, Finance from the University of Houston-Main Campus.

  • Major Opporturnity

    Michael Brassanini

    Spring, TX

    Brassanini is currently a Business Banker/Specialist at Wells Fargo. He has a BBA, Management from the University of Phoenix, an Associate of Business Management and an Associate of Science from LDS Business College. "Formal training from UHD will give me a significant tool to achieve my goal in successfully reaching higher levels of responsibility in commercial lending."

UHD Continuing Education | UHD College of Business

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Last updated or reviewed on 1/16/15

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