Calendar

February 2019

1. Tuesday, February 26, 2019
   1. 8:15 AM – 2:15 PM at Harrisburg Area

      2019 Annual Economic Forecast and Business Leadership Summit >

      This event brings together some of the nation's most respected economic forecasters, analysts and technology futurists to provide insights to help business leaders understand the details of today's economy and to prepare for what is expected in the future. More >

March 2019

1. Monday, March 4, 2019
   1. 8:00 AM – 4:00 PM at Hershey

      Women in Banking Conference >

      A day providing networking opportunities and professional development tailored to strengthen and deepen involvement in the industry, community and the association. More >

1. Thursday, March 21, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      The Emerging Consumer and How to Bank Them - Retail Banking Seminar >

      This action-packed full-day workshop includes a combination of lecture, interactive discussion and case material to help bankers understand the mindset of the customer and how to align products, services and channel strategies to meet their evolving needs. More >

1. Tuesday, March 26, 2019
   1. Multi-Day Event – 8:15 AM Tuesday – 4:00 PM Wednesday at Harrisburg Area

      Training the Credit Analyst (2-Day Seminar) >

      This two day program is designed to provide lenders and analyst the tools required to understand and use financial information provided by borrowers. The key to producing high quality analysis is being able to understand the actions or inactions of your borrower’s management team. We then must be able to ask the borrowers the “Right” questions. The goal is to measure risk, develop loan structure, and the capacity to repay the loan. The Loan Officer/Analyst must be able to communicate that information to Loan Committee and the customer. Ultimately, good Loan Officers are able to provide value-added information that allows their borrowers to make better business decisions. More >

April 2019

1. Tuesday, April 2, 2019
   1. Multi-Day Event – 8:15 AM Tuesday – 3:30 PM Thursday at Harrisburg Area

      School of Consumer Lending >

      Sound credit decisions by community-bank lenders require a high degree of perception and skill. To reach this level of sophistication, your lending personnel must constantly rethink existing approaches, research new ideas, and update their knowledge. More >

1. Wednesday, April 3, 2019
   1. 4:00 PM – 7:00 PM at Williamsport Area

      Group 4 Spring Social >

      Join us this spring as we celebrate our members at the newly formatted Spring Socials! More >

1. Thursday, April 4, 2019
   1. 4:00 PM – 7:00 PM at Scranton Area

      Group 3 Spring Social >

      Join us this spring as we celebrate our members at the newly formatted Spring Socials! More >

1. Monday, April 8, 2019
   1. 4:00 PM – 7:00 PM at Philadelphia Area

      Group 2 Spring Social >

      Join us this spring as we celebrate our members at the newly formatted Spring Socials! More >

1. Tuesday, April 9, 2019
   1. 4:00 PM – 7:00 PM at Harrisburg Area

      Group 5 Spring Social >

      Join us this spring as we celebrate our members at the newly formatted Spring Socials! More >

1. Wednesday, April 10, 2019
   1. 4:00 PM – 7:00 PM at Pittsburgh Area

      Group 1 Spring Social >

      Join us this spring as we celebrate our members at the newly formatted Spring Socials! More >

1. Thursday, April 11, 2019
   1. 4:00 PM – 7:00 PM at Altoona Area

      Group 6 Spring Social >

      Join us this spring as we celebrate our members at the newly formatted Spring Socials! More >

1. Thursday, April 25, 2019
   1. 8:15 AM – 4:00 PM at State College

      Agricultural Bankers Conference >

      The Association’s inaugural Agricultural Bankers Conference will offer dynamic presentations about the agricultural banking industry's current issues, profitability, challenges and forecasts. It will be of interest to bank personnel, directors or others who work with clients in the field of agricultural banking, credit and insurance. More >

1. Monday, April 29, 2019
   1. Multi-Day Event – 8:15 AM Monday – 4:00 PM Tuesday at Harrisburg Area

      School of Treasury Management II >

      This two-day focused sales program will provide a refresher on products and services with an emphasis on electronic, card-based and trending products. We will review current industry pricing trends, packaging products, and tactics to differentiate commodity products. Participants will discuss the development of a sales strategy that includes segmentation by client sales size and industry type as a means to grow Treasury Management relationships and business deposits for their respective organizations. We will expand the participants' sales tool kit to grow existing relationships and generate new ones. Attendees will be expected to participate in a variety of inter-active exercises in small groups. The sessions are geared towards all bank business development and Treasury Management sales staff including, branch managers, commercial lenders, business development officers, and others who are responsible for new business client growth and relationship expansion. Senior Managers and Sales Managers who are responsible for business markets may also benefit from this program. More >

May 2019

1. Wednesday, May 8, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      Cash Flow Seminar >

      This program will compare alternative approaches to cash flow and demonstrate the appropriate application of each approach in assessing and monitoring a borrower’s financial performance. The program will teach participants how to determine the maximum line of credit appropriate for a borrower and the factors which will determine when it is appropriate to convert revolving debt to amortizing debt. More >

1. Wednesday, May 15, 2019
   1. Multi-Day Event – 1:00 PM Wednesday – 12:00 PM Saturday at Other

      PA Bankers 2019 Convention >

      Experience three days packed with dynamic speakers, lively discussions about the banking industry, inspirational programs, fine dining, entertainment and more at the PA Bankers 2019 Convention. More >

June 2019

1. Monday, June 3, 2019
   1. Multi-Day Event – 1:30 PM Monday – 11:45 AM Thursday at Other

      Essentials of Trust Administration - Co-sponsored by New York Bankers Association >

      Essentials of Trust Administration provides a concentrated focus on the practical and technical aspects of trust administration for the corporate fiduciary. The course not only offers an essential foundation for those in the trust department, it also presents an excellent opportunity to cross-train employees in other areas who would benefit from a greater understanding of fiduciary concepts and procedures. More >

1. Tuesday, June 4, 2019
   1. 8:15 AM – 4:00 PM at Harrisburg Area

      Asset Liability Management Seminar >

      More information to follow. More >

1. Sunday, June 9, 2019
   1. Multi-Day Event – 12:00 PM Sunday – 4:00 PM Thursday at State College

      School of Commercial Lending >

      The PA Bankers' School of Commercial Lending primarily focuses on business development, credit structuring, and the practical application of commercial lending knowledge, as well as client and internal communication. The educational content of this program is similar to 200 and 300-level college course study and is designed for individuals looking to attain well-rounded business development and commercial lending skill set. More >

August 2019

1. Monday, August 5, 2019
   1. Multi-Day Event – 8:30 AM Monday – 4:30 PM Tuesday at Harrisburg Area

      Real Estate Lending Compliance Seminar - 2 day seminar >

      The program provides an overview of the real estate lending requirements from 10 regulations, along with comprehensive coverage of selected topics, policy suggestions, employee training tips, audit techniques and steps to eliminate past problems. More >

1. Wednesday, August 21, 2019
   1. Multi-Day Event – 8:15 AM Wednesday – 4:00 PM Thursday at Harrisburg Area

      Advanced School of Commercial Lending >

      This two day school is designed to introduce experienced lenders to more advanced lending and portfolio management topics. More >

November 2019

1. Monday, November 4, 2019
   1. Multi-Day Event – 8:15 AM Monday – 4:00 PM Tuesday at Harrisburg Area

      Essentials of Commercial Lending Seminar >

      The Essentials of Commercial Lending two-day seminar is designed to provide information for any bank employee interested in learning the basics of commercial lending. More >

1. Wednesday, November 6, 2019
   1. Multi-Day Event – 2:00 PM Wednesday – 1:00 PM Friday at Hershey

      Wealth Management & Trust Conference & Exhibition >

      This conference is a time to connect with fellow bankers, hear updates on trends and issues, network with trust professionals, learn from seasoned presenters and industry experts and visit the exhibitor resources. More >

1. Thursday, November 21, 2019
   1. Multi-Day Event – 8:00 AM Thursday – 5:00 PM Friday at Hershey

      Lending Conference >

      This conference offers education and updates on a variety of current lending topics. It also provides a valuable opportunity for lenders and bankers to network. More >

December 2019

1. Tuesday, December 10, 2019
   1. 8:15 AM – 3:45 PM at Harrisburg Area

      Analyzing Personal Financial Statements & Tax Returns >

      One of the more challenging aspects of lending is analyzing personal financial statements and tax returns. Assessing the borrower’s ability to convert assets to cash to pay short-term debt or honor a guaranty often requires significant adjustments to the borrower’s reported net worth. Adjusted gross income on Form 1040 bears no relationship at all to cash available to pay personal living expenses and debt service. To determine cash available, the lender must construct a personal cash flow using information contained in the personal financial statement and schedules of the tax return. Lenders recognize that the business and personal financial affairs of small business borrowers are closely intertwined necessitating the integration of business and personal cash flow to determine global cash flow. More >