School of Commercial Lending

Gain a Broad-Based Understanding of Commercial Lending & Business Development

Ideal for individuals looking to attain well-rounded business development and/or commercial lending skills, the School of Commercial Lending allows students to dive into business development, credit structuring, the practical application of commercial lending knowledge, and client and internal communication.

This program has been approved for 33 CPE credits (19 CPE Specialized Knowledge & Applications, 14 CPE Accounting & Auditing).
Director: Michael (Mike) Smelko
Assistant Director: Aron Carter 
Sunday, June 8, 2025
12:15 - 12:45 p.m.              Registration
12:45 - 1:15 p.m.              Welcome/Orientation
1:15 - 2:10 p.m.              Team Building - Dennis Budinich            
2:15 - 4:15 p.m.              Business Development - Dennis Budinich             
4:15 - 4:30 p.m.              BREAK
4:30 - 6 p.m.              Customer Conversation - Dennis Budinich       
6 p.m. Room Check-In
7 p.m. Dinner on Your Own

Monday, June 9, 2025
8 - 10 a.m.              Accounting Refresher - Kristy Schenck
10 - 10:15 a.m.              BREAK             
10:15 a.m.  - 12:15 p.m. Financial Statement Analysis: Evaluating a Borrower's Perform. & Fin. Condition - Jeffery Johnson
12:15 - 1:15 p.m. LUNCH
1:15 - 2:15 p.m.              Loan Structure - Jeffery Johnson
2:15 - 4:15 p.m.  Global Cash Flow - Jeffery Johnson
4:15 - 4:30 p.m.               BREAK           
4:30 - 5:30 p.m. Elements of a Concise Credit Memo - Jeffery Johnson
5:30 - 6 p.m. Wrap-Up & Exam Review
6 - 7:15 p.m. Welcome BBQ with School of Banking
7:15 p.m.  Read Case Study on Your Own

Tuesday, June 10, 2025
8 - 8:55 a.m. Elements of a Concise Credit Memo (con't) - Jeffery Johnson
9 - 10 a.m. Economic Outlook - Ken Entenmann             
10 - 10:15 a.m. BREAK
10:15 - 11:45 a.m. Loan Agreements & Financial Covenants - Jeffery Johnson
11:45 a.m.  - 12:45 p.m. LUNCH
12:45 - 2:15 p.m.              Portfolio Management & Monitoring - Jeffery Johnson       
2:15 - 2:30 p.m. BREAK
2:30 - 3:30 p.m.              Case Study Group Preparation - Jeffery Johnson        
3:30 - 4:30 p.m. Case Study Presentations - Jeffery Johnson
4:30 - 4:45 p.m. BREAK
4:45 - 5:45 p.m. Ethics/Compliance & Corp. Governance - Dean Dusinberre
5:45 - 6:15 p.m. Wrap-Up & Exam Review
6:15 p.m.  Dinner on Your Own

Wednesday, June 11, 2025
8 - 10 a.m. Treasury Management w/ Case Study - Jami Theiller    
10 - 10:15 a.m. BREAK
10:15 a.m. - 12:15 p.m. Commercial Real Estate Lending - Mike Pietropaoli
12:15  - 1:15 p.m. LUNCH
1:15 - 2:15 p.m. Commercial Real Estate Lending (con't) - Mike Pietropaoli
2:15 - 2:30 p.m. BREAK
2:30 - 4 p.m. Investment Real Estate Lending & Appraisals - Dick Grafmyre
4 - 4:15 p.m. BREAK
4:15 - 5:45 p.m.  Loan Workouts Session - Kate Sallie
5:45 - 6:15 p.m. Wrap-Up & Exam Review
6:15 p.m. Dinner on Your Own

Thursday, June 12, 2025
8 - 8:55 a.m. Career Pathing for Commercial Lenders - Directors 
9 - 11 a.m. Presenting to the Borrower & the Loan Committee - Dick Grafmyre
11 - 11:15 a.m. BREAK     
11:15 a.m.  - 12:40 p.m. Participations & Their Negotiations - Frank Covelusky   
12:40 p.m. Wrap-Up & Adjournment w/ Boxed Lunch

*schedule subject to change

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Dates:
June 8 - 12, 2025
Penn Stater Conference Center
State College, Pa.

Cost:
Member: $3,250
Affiliate Member: $3,750
Non-Member: $4,875








Contact:
Jackie Catalano
Vice President, Professional Development
(717) 255-6939
jcatalano@pabankers.com