Calendar

  1. March 2019

    1. Thursday, March 21, 2019
      1. Event image 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. Event image Multi-Day Event8:15 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 >
  2. June 2019

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

        Asset Liability Management Seminar >

        More information to follow. More >
  3. August 2019

    1. Monday, August 5, 2019
      1. Event image Multi-Day Event8:30 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 >
  4. November 2019

    1. Monday, November 4, 2019
      1. Event image Multi-Day Event8:15 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 >
  5. December 2019

    1. Tuesday, December 10, 2019
      1. Event image 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 >