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 the following credits: 30.75 CPE (10.25 Accounting and Auditing and 20.5 Specialized Knowledge & Application).
Director: Dustin Minarchick
Assistant Director: William (Bill) Locher
Sunday, June 7, 2026
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 8, 2026
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.              Economic Outlook - Rich Ferry
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 9, 2026
8 - 8:55 a.m. Elements of a Concise Credit Memo (con't) - Jeffery Johnson
9 - 10 a.m. Loan Structure - Jeffery Johnson          
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 - 3:25 p.m.              Ethics/Compliance & Corp. Governance - Dean Dusinberre        
3:30 - 4:30 p.m. Case Study Group Presentations - Jeffery Johnson
4:30 - 4:45 p.m. BREAK
4:45 - 5:45 p.m. Case Study Presentations - Jeffery Johnson
5:45 - 6:15 p.m. Wrap-Up & Exam Review
6:15 p.m.  Dinner on Your Own

Wednesday, June 10, 2026
8 - 9:30 a.m. Treasury Management w/ Case Study - Robin Mink  
9:30 - 9:45 a.m. BREAK
9:45 a.m. - 11:45 a.m. Commercial Real Estate Lending - Brian Lawrence
11:45 a.m.  - 12:45 p.m. LUNCH
12:45 - 2:10 p.m. Investment Real Estate Lending & Appraisals - Dick Grafmyre
2:15 - 3:15p.m. Commercial Loan Documentation - Dean Dusinberre
3:30 - 5 p.m. Loan Workouts Session - Aron Carter
5 - 5:30 p.m. Wrap-Up & Exam Review
5:30 p.m. Dinner on Your Own

Thursday, June 11, 2026
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.  - 12:45 p.m. Participations & Their Negotiations - Frank Covelusky   
12:45 p.m. Wrap-Up & Adjournment w/ Boxed Lunch

*schedule subject to change

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Dates:
June 7-11, 2026
Penn Stater Conference Center
State College, Pa.

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








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