Calendar

  1. October 2018

    1. Tuesday, October 2, 2018
      1. Event image 8:30 AM – 4:00 PM at Scranton Area

        Fair Lending Risk and CRA Compliance - Scranton >

        This program covers not only the basics, but also the intricacies of the CRA and Fair Lending laws and regulations, including current issues and areas of regulatory focus. The program addresses logistical issues faced by large, small and intermediate small institutions. More >
    1. Wednesday, October 3, 2018
      1. Event image Multi-Day Event8:30 AM Wednesday – 4:30 PM Thursday 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 >
  2. November 2018

    1. Tuesday, November 6, 2018
      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 >
    1. Tuesday, November 27, 2018
      1. Event image Multi-Day Event8:15 AM Tuesday – 4:00 PM Wednesday 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 >