PEDA - Pennsylvania Economic Development Association


  • 09/25/2013
  • 3211 North Front Street, Harrisburg, PA (Harrisburg Regional Chamber)


Click here for registration brochure.

This session is recognized by the Pennsylvania Economic Development Institute and by the EDP certification program of the Northeastern Economic Developers Association (NEDA).


During this program, the concepts outlined in the agenda below will be covered in-depth, providing participants with a thorough understanding of what financial information is key from potential clients, how to use this information to consistently make sound credit decisions, and what alternatives may exist in assisting potential clients in need of strengthening their financials in advance of a successful financing pursuit.  They will also gain skills aimed at helping them to identify a potential client’s underlying reasons for borrowing.  Case studies will further enhance participants’ knowledge using real world scenarios.

Credit analysts, business finance officers and business development professionals would benefit from attending this program, as well as other individuals seeking to gain a fundamental knowledge of credit analysis and underwriting.  Novices can expect to leave with a strong foundation in the credit analysis process, while more seasoned professionals will benefit from a fresh look at this key area of professional competency.

8:30 AM              

Registration & Coffee

8:45 AM              

Welcome and Introductions

9:15 AM              

Business Income / Debt Coverage Ratio (DCR) Calculation 101

     Business Tax Return                                               
          What components are real cash on income statement?

          What is real cash or can be converted from balance sheet?

     Prepared Financial Statement

          What components are real cash on income statement?

          What is real cash or can be converted from balance sheet?

12:30 PM            

Lunch (Provided)

1:30 PM               

Significance of Personal Cash Flow in Credit Analysis

Global Cash Flow Analysis

4:45 PM               

Wrap-Up / Certificates

5:00 PM               



Melissa McLaughlin serves as the Director of Business Finance for the Capital Region Economic Development Corporation (CREDC), the economic development arm of the Harrisburg Regional Chamber.  Melissa is involved in all areas of economic development activities and overseeing all aspects of CREDC’s business financing programs in a leadership role.  The Business Financing arm of CREDC provides state and federal low interest loan programs to eligible businesses that are making a strong economic or community development impact in Cumberland, Dauphin and Perry counties.  To do so the organization partners with the financial institutions in the region to supply a portion of project costs at lower interest rates, giving borrowers the capacity and potential to make a larger impact on our community.

Melissa was CREDC’s Business Finance Officer from 2006 – 2010.  Prior to her new position with CREDC, Melissa worked for Graystone Tower Bank.  There, she created a small business underwriting department supporting the entire company’s footprint of small business lenders at fifty branch locations.  Most recently, Melissa served as an AVP and Regional SBA Business Banker for Susquehanna Bank.  In this role, she provided government guaranteed lending expertise to businesses in five South Central Pennsylvania counties.  Melissa has been in banking since 1995 including retail branch management and business lending.  Melissa graduated from the Indiana University of Pennsylvania in 1992.

Tina M. Thompson is a Regional Senior Commercial Credit Analyst with Fulton Financial Corporation, where her primary responsibility is to support the credit underwriting of all business lending requests, from small business lending at approximately $100,000 minimum to larger corporate requests of up to $30million+ dollar, for the Capital Region market. In addition, Tina provides training to the corporate footprint’s other credit analysts as well branch managers and lenders when needed.


Tina has been in the banking industry since 1995, starting her career with Fulton Bank as a part-time teller. She worked her way through the retail market, ending as an assistant-branch manager in 2000. In 2000, Tina entered the Management Training Program and graduated in 2001, beginning her career as a commercial credit analyst at corporate headquarters located in Lancaster, PA. In 2002/03 she was promoted to Assistant Commercial Credit Manager and aided the Credit Department’s merger between Drovers Bank and Fulton Bank in the York County market. During the earlier part of her career, she attended Elizabethtown College, finishing at Albright College, with a major in Business Administration. In 2007, Tina transferred to the Capital Region as a Regional Senior Commercial Credit Analyst where she continues her credit underwriting, teaching of Small Business Lending to Lenders/Managers in the Corporate footprint, as well as teaching above the fundamentals analyzing for Credit Analysts, also in the Corporate footprint (corporate footprint reaches from PA to VA). Among Tina’s professional affiliations are terms as a board member and President for the South Central PA Chapter of Risk Management Association (RMA).

Attention Certified Providers: This course is approved to provide 6.0 organizational PDUs (Finance) as explained in the Guidelines for Certification of Economic Development Organizations issued by the Pennsylvania Department of Community and Economic Development and in the Institute’s Policies and Procedures.

*Note: We reserve the right to reschedule or cancel this offering. In the event of a cancellation, a refund will be provided to registrants.

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