Mutual Growth Podcast

A Banking & Finance Podcast by Penn Community Bank

Start. Grow. Stay.

Penn Community Bank is banking powered by good values, deep roots, and proven expertise. Mutual Growth brings you into the conversation with industry leaders and gives you the tools and insights you need to guide your next-level growth.

Listen below, or on Spotify, Apple Podcasts, Google Podcasts, Radio Public, Breaker, AnchorFM, Stitcher. While you’re there, don’t forget to subscribe and leave a rating.

All Episodes

Episode 48

The Ins and Outs of C&I and CRE Lending w/ Trevor Harrison & Jim Erb

We have a special double episode diving into commercial lending, covering both C&I and CRE spaces. Trevor Harrison, C&I Relationship Manager II, will discuss commercial and industrial lending, from evaluating creditworthiness to loan structuring, and the challenges and opportunities in various industries. In the second half, Real Estate Lending Manager Jim Erb will focus on commercial real estate lending, covering due diligence, underwriting, and loan products for different properties. This episode is packed with valuable information for business owners, real estate investors, and anyone interested in commercial lending.

Episode 47

Commercial Lending – Credit Collaboration w/ April Hepler – Commercial Loan Administration Manager & Janina Bobak – Credit Officer

We have two phenomenal guests joining us who will share their insights from the frontlines: Penn Community Bank Commercial Loan Administration Manager April Hepler and Credit Officer Janina Bobak. During this episode, we’ll cover what business owners need to know about business lending, how you can best prepare to get the financing you need and want, and the important role community banks play in supporting the local business economy.

Episode 46

Breaking Financial Barriers: Accessing Homeownership with Peter Palumbo

Owning a home is a dream for many, but financial barriers often stand in the way. In this episode of Mutual Growth, we delve into Penn Community Bank’s Home Opportunity Mortgage Program, designed to empower modest-income homebuyers and those in low- and moderate-income areas. Join us as Peter Palumbo, Mortgage Loan Originator, sheds light on this unique program, offering insights into zero down payment options, reduced closing costs, and other benefits. Discover how community banks play a pivotal role in making homeownership more accessible in the region.

Episode 45

Navigating the Evolving Landscape of Fraud and Data Security with Richard Cimakasky

In today’s digital age, safeguarding personal and business data is paramount. Join us for an insightful discussion on the changing face of fraud and data security with Richard Cimakasky, Fraud and Security Officer at Penn Community Bank. Richard sheds light on the challenges faced by banks, consumers, and businesses alike, offering valuable advice on protecting sensitive information. From emerging threats to best practices in online security, this episode equips listeners with essential knowledge to safeguard their data and mitigate risks effectively.

Episode 44

Empowering Financial Resilience: The Partnership Between Penn Community Bank and Clarifi with Jill Roberts

Discover the transformative partnership between Penn Community Bank and Clarifi in empowering individuals to preserve and build wealth. In this episode, we delve into the role of advocacy with a focus on financial empowerment, featuring insights from Jill Roberts, Director of Advocacy at Clarifi. Learn how Clarifi, a full-service financial social services organization, is innovating products and services to meet the diverse needs of clients, particularly those historically underserved or under-resourced. From housing success programs to financial counseling, Clarifi is dedicated to fostering financial resilience and empowering individuals to achieve their long-term financial goals.

Episode 43

Optimizing Cash Management with Michelle Brennan

Effective cash management is the cornerstone of financial success for businesses. Join us in this episode of Mutual Growth as we sit down with Michelle Brennan, a seasoned expert in cash management at Penn Community Bank. Michelle shares valuable insights and strategies to help businesses optimize their cash flow, streamline operations, and make informed financial decisions. Whether you’re a small startup or a large corporation, this episode offers practical tips to enhance your cash management practices and drive business growth.

Episode 42

Commercial Banking: Exploring Lending Capabilities and Relationships with Nicole Boytin & Ellen Dodel

Join us in this episode of Mutual Growth as we dive into the world of commercial banking, where community engagement meets financial services. Our guests, Nicole Boytin and Ellen Dodel, Commercial Bankers at Penn Community Bank, share insights into the bank’s lending capabilities, emphasizing the importance of building strong relationships. Discover how commercial banking contributes to community growth and prosperity.
 

Episode 41

Empowering Curls with Naturaz featuring Mumbi Dunjwa

In this captivating episode of Mutual Growth, we shine the spotlight on Naturaz, a pioneering hair care brand founded by Mumbi Dunjwa. Mumbi’s unique background in chemistry, health, and technology led her to create the Moisture Burst System®, revolutionizing hair care for women. Join us as Mumbi shares her inspiring journey from scientist to entrepreneur, delving into the incredible growth of Naturaz and the vital role of support, both individual and organizational, in realizing entrepreneurial dreams.
 

Episode 40

Navigating Economic Trends with Dorothy Jaworski – Q2 2023

Join us for a comprehensive analysis of economic trends in this episode of Mutual Growth. Dorothy Jaworski, Director of Treasury & Risk Management at Penn Community Bank, returns to provide insights into the economic landscape, reflecting on developments from the first half of 2023 and offering a forward-looking perspective on Q3 and beyond. Discover how these insights can impact our lives, businesses, and communities.
 

Episode 39

Managers Shaping Corporate Culture with Sandy Ziegler & Tom DePaolo

In today’s dynamic business landscape, corporate culture holds significant importance. But how do managers foster and maintain a thriving corporate culture within their teams? Join us for an insightful discussion with Sandy Ziegler & Tom DePaolo from Penn Community Bank’s Training Department as they delve into the pivotal role of managers in cultivating a successful corporate culture. Gain valuable insights into the nuances of this bottom-up (or is it top-down?) concept and its impact on organizational success.

Episode 38

Analyzing Economic Trends with Dorothy Jaworski – Q1 2023

In this insightful episode of Mutual Growth, we delve into the ever-changing landscape of economic trends. Join us as we once again welcome Dorothy Jaworski, Director of Treasury & Risk Management at Penn Community Bank, to dissect the economic news from the first quarter of 2023. Gain valuable insights into the implications of these developments and what the remainder of the year holds in store for individuals, businesses, and communities.

Episode 37

Launching Your Career in Banking: Insights from Kirsten Palmieri

Embark on an exploration of career opportunities within the banking sector in this illuminating episode of Mutual Growth. Join us as we sit down with Kirsten Palmieri, Human Resources Manager at Penn Community Bank, to uncover the diverse array of roles available within the organization. Gain valuable insights into how you can kickstart your career journey in banking and discover the myriad possibilities that await you.

Episode 36

2022 Q4 Economic Outlook: Insights with Dorothy Jaworski

Stay ahead of the economic curve with insights from Dorothy Jaworski, Director of Treasury & Risk Management at Penn Community Bank. In this episode of Mutual Growth, we delve into the economic landscape of the final quarter of 2022 and peer into the prospects of 2023. Join us as we explore the latest economic developments and their potential impact on our lives, businesses, and community.

Episode 35

Mutual Growth Podcast: Vital Start

In this episode, we delve into the story of Vital Start, a local startup reshaping neonatal care through digital innovation. Learn about the motivations behind Vital Start’s founding and its response to gaps in traditional healthcare approaches. We also discuss the broader implications of technology integration in medicine and Vital Start’s role in this evolving landscape.

Episode 34

Transforming End-of-Life Care with Matti Perilstein Burnett

Join us for a compelling episode of Mutual Growth as we shine a spotlight on the importance of end-of-life planning. Our guest, Matti Perilstein Burnett, CEO of Eternally, shares her journey in healthcare and how it led to the creation of Eternally, a startup addressing the gap in end-of-life care resources. Discover how Matti’s personal experiences drive her mission, and learn about Eternally’s efforts to enhance end-of-life care for millions of Americans.

Episode 33

Redefining Baking with Plant-Based Goodness featuring Toni Lorraine

Join us for an inspiring episode of Mutual Growth as we shine a spotlight on Dr. Brownies with founder Toni Lorraine. Discover how Toni’s 30-year journey from restauranteur to doctoral candidate led to the creation of plant-based vegan and gluten-free baked goods that redefine baking as we know it. In this engaging conversation, explore the motivations behind Toni’s mission, her vision for the future of job training programs, and the deliciously sweet impact of Dr. Brownies. Visit https://www.drbrownies.com/ to learn more.

Episode 32

Nurturing Local Entrepreneurship – Starting, Growing, & Scaling Businesses with Jon Mercer from Startup Bucks

Join us as we dive into the vibrant world of local entrepreneurship with Jon Mercer, President and Co-founder of Startup Bucks, a Doylestown-based non-profit committed to fostering innovation and business growth in Bucks County and beyond. In this episode, Jon shares insights into how Startup Bucks supports innovative startups, the entrepreneurial landscape in the region, and the pivotal role of partnerships, including Penn Community Bank’s, in advancing business development. Discover how local businesses are thriving and scaling right here in our community.

Episode 31

Welcoming Lansdale – A Conversation with Melanie Scholl, Branch Manager

Join us in celebrating the grand opening of Penn Community Bank’s newest location in Lansdale, PA! In this episode, we sit down with Melanie Scholl, the Branch Manager of the new Lansdale Branch and Business Center, to explore the exciting developments and community impact of this expansion. Melanie shares insights into the role of her branch in serving both consumers and businesses, highlighting the commitment to community engagement and personalized banking experiences. Discover what makes the Lansdale branch a valuable addition to the region and get to know Melanie and her team of relationship bankers.

Episode 30

Unlocking Potential – The Role of Employee Resource Groups with Natalie Taptykoff

Join us for an insightful conversation on the value of Employee Resource Groups (ERGs) with Natalie Taptykoff, Marketing Manager and ERG Leader at Penn Community Bank. In this episode, Natalie shares how ERGs contribute to fostering a diverse, inclusive, and engaged workplace culture, aligning with the bank’s commitment to diversity, equity, and inclusion. Discover the impact of ERGs on team member development, employee satisfaction, and organizational success, and learn how businesses of all sizes can leverage ERGs to connect staff and enhance involvement.

Episode 29

Navigating the Homebuying Market Today with Jim Calista

Join us for a comprehensive discussion on today’s homebuying market with Jim Calista, Director of Residential and Consumer Lending at Penn Community Bank. In this episode, Jim provides insights into the current state of the housing market, reflecting on recent trends and anticipating what lies ahead in 2022. Discover the range of products and services offered by Jim’s team of residential lenders, designed to empower both homeowners and prospective buyers in navigating the complexities of the real estate landscape.

Episode 28

Mastering Financial Literacy with Alayna Lopez

Join us for an insightful exploration of financial literacy basics with Alayna Lopez, Branch Manager at Penn Community Bank’s Warminster location. In this episode, Alayna sheds light on the significance of financial literacy and highlights the educational opportunities available to customers and community members. Discover how enhancing financial literacy can empower individuals to make informed decisions about their financial resources.

Episode 27

Harnessing the Power of Mentorship with Sandy Ziegler

Join us for an insightful exploration of mentorship’s transformative power with Sandy Ziegler, Director of Training, Development, & Education at Penn Community Bank. In this episode, Sandy delves into the profound impact of mentorship on both individuals and organizations, emphasizing its role in personal and professional growth. Discover how mentorship initiatives at Penn Community Bank have strengthened the institution and gained valuable tips for both mentors and mentees.

Episode 26

Reflecting on the 20th Anniversary of 9/11 with Jim Gallagher

Join us for a poignant reflection on the 20th anniversary of the 9/11 terror attacks with Jim Gallagher, Credit Officer at Penn Community Bank and a US Air Force and Army National Guard veteran. In this episode, Jim shares his personal insights on the historic significance of 9/11, recounting his own call to service and the impact of that tragic day on his military journey. Explore the lasting contributions of veterans to businesses and communities as they transition back to civilian life.

Episode 25

Click for a Cause with Bucks Co. SPCA

Join us as we spotlight the Bucks County SPCA in the latest episode of Mutual Growth. In this insightful conversation, we sit down with Chris Francis, Vice President of Clinical Programs at Livengrin Foundation, to discuss the organization’s mission and its involvement in Penn Community Bank’s Click for a Cause campaign. Discover how Livengrin is dedicated to providing effective and affordable recovery solutions for individuals and families impacted by substance abuse and addiction.

Episode 24

Click for a Cause with NOVA

Join us for an enlightening episode of Mutual Growth as we shine a spotlight on the Network of Victim Assistance (NOVA) in our Click for a Cause series. In this conversation, Grace Wheeler, Director of Prevention and Training at NOVA, shares insights into the organization’s mission and its vital role in supporting victims of crime through therapy, advocacy, and education. Discover how NOVA is making a difference in our communities and how you can support their cause through Penn Community Bank’s Click for a Cause campaign.

Episode 23

Click for a Cause with Livengrin Foundation

Join us for a special episode of Mutual Growth as we shine a spotlight on the Livengrin Foundation, the region’s leading addiction recovery center, in collaboration with Penn Community Bank’s Click for a Cause campaign. In this insightful discussion, we sit down with Chris Francis, Vice President of Clinical Program at Livengrin, to explore the organization’s mission and its vital role in providing effective and compassionate alcohol and drug rehabilitation services. Discover how Livengrin is making a difference in the lives of patients, families, and communities, and learn more about their involvement in Penn Community Bank’s charitable initiative.

Episode 22

2021 Q3 Economic Outlook with Dorothy Jaworski

Tune in to the latest episode of Mutual Growth as we explore the economic landscape for Quarter 3 with Dorothy Jaworski, Penn Community Bank’s Director of Treasury and Risk Management. Reflecting on the transition from Quarter 2 to Quarter 3, we delve into the evolving economic indicators amidst the backdrop of widespread vaccine availability and easing COVID-19 restrictions. From inflation concerns to supply chain disruptions and the emergence of cryptocurrency, join us as we analyze the factors shaping the economic outlook for the upcoming months.

Episode 21

‘Better in Bucks’: Supporting Local Workforce Development with Billie Barnes

Join us for an insightful episode of Mutual Growth as we delve into the crucial role of workforce development in Bucks County with Billie Barnes, the Director of Workforce Development. In the wake of the coronavirus pandemic, local businesses are facing new challenges, and it’s essential to understand the evolving needs of both employers and job seekers. In our conversation, we explore the initiatives led by the Workforce Development Board to promote economic growth, provide resources for employers and job seekers, and foster a thriving workforce in Bucks County. Discover why Billie believes it’s “Better in Bucks” and how local government is working to support workforce development in the region.

Episode 20

What is “Greater Good Banking”? with Guest Host Bernard Tynes

Join us for an insightful episode of Mutual Growth as guest host Bernard Tynes, Director of Marketing at Penn Community Bank, explores the concept of “Greater Good Banking.” In this engaging discussion, Bernard interviews Aaron Clark, Communications Manager, about the bank’s A Year of Greater Good Bank: 2020 Impact Report, shedding light on the meaning behind the term and how a relationship-focused bank prioritizes social impact over profit margins. Discover the biggest stats and stories from the past 12 months, illustrating Penn Community Bank’s commitment to making a positive difference in the community through Greater Good Banking.

Episode 19

Paycheck Protection Program (PPP) – Round Two with Janina Bobak & John Buckley

Tune in to the latest episode of Mutual Growth as we delve into the intricacies of the Paycheck Protection Program (PPP) Round Two. Joining us are Janina Bobak, Business Banking Credit Officer, and John Buckley, Senior Credit Analyst, from Penn Community Bank, as they discuss the implications of the second round of PPP funding for borrowers and how the bank is actively supporting local businesses during these challenging times. Gain valuable insights into the ongoing efforts to provide economic relief and navigate the evolving landscape of small business finance.

Episode 18

2020 Recap & 2021 Economic Outlook with Dorothy Jaworski

Join us for a comprehensive review of the economic landscape in the latest episode of Mutual Growth. In Episode 18, we reflect on the unprecedented challenges and remarkable events that shaped the global economy in 2020, from the pandemic-induced recession to remarkable stock market fluctuations. Our guest, Dorothy Jaworski, Director of Treasury and Risk Management at Penn Community Bank, provides valuable insights into the economic rollercoaster of the past year and offers an insightful outlook for what lies ahead in 2021.

Episode 17

The Means to Succeed with Christina McGinley

Join us for an insightful discussion on navigating education amidst the challenges posed by the COVID-19 pandemic in the latest episode of Mutual Growth. We sit down with Christina McGinley, Executive Director of Foundation & Alumni Relations at Bucks County Community College, to explore the college’s response to the shift to virtual learning and its partnership with Penn Community Bank to support students’ academic success. Discover how Bucks County Community College is adapting to the new normal and ensuring students have the necessary resources to excel in their studies, even from the comfort of their own homes.

Episode 16

The Importance of Your Credit Score with Tom Asher

Join us as we dive into the significance of your credit score and introduce SavvyMoney, a new credit monitoring tool offered to Penn Community Bank customers. Join us as Tom Asher, Delivery Operations Manager at Penn Community Bank, sheds light on the launch of SavvyMoney, its benefits for individuals aiming to build or assess their creditworthiness, and the broader implications of the bank’s technological advancements for its clientele. Discover how SavvyMoney empowers customers to take control of their financial well-being and make informed credit-related decisions.

Episode 15

A Culture of Community Commitment with Erin Lukoss and Jake Iampietro

Join us as we explore the vital work of the Bucks County Opportunity Council (BCOC) and its mission to combat poverty and foster economic self-sufficiency within the community. Join us as we sit down with Erin Lukoss, CEO/Executive Director of BCOC, and Jake Iampietro, Director of Retail Banking at Penn Community Bank and BCOC board member, to delve into the organization’s Economic Self-Sufficiency program, the challenges posed by COVID-19, and the enduring partnership between BCOC and Penn Community Bank. Gain insight into how BCOC is making a difference in Bucks County and learn about the collaborative efforts driving positive change.

Episode 14

Business Banking Technology Upgrades with Tracey Carroll

Join us as we dive into the evolving landscape of business banking technology and its significance for local businesses navigating an uncertain economic climate. Join us as we sit down with Tracey Carroll, Director of Cash Management at Penn Community Bank, to explore the bank’s latest business banking platform upgrades. Discover how these advancements bridge the gap between relationship banking and technology, empowering businesses with enhanced tools and services. Gain valuable insights into the intersection of financial technology and business growth, and learn about the innovative solutions available to support your business needs.

Episode 13

Transitioning to Remote Workforce with Kirsten Palmieri

Join us as we explore the challenges and opportunities associated with transitioning to a remote workforce in today’s uncertain economy. Join us as we sit down with Kirsten Palmieri, HR Business Partner at Penn Community Bank, to delve into the strategies and considerations for successfully navigating this shift. Gain valuable insights into the tools, technologies, and best practices essential for maintaining productivity, engagement, and collaboration in a remote work environment. Discover how businesses can adapt and thrive amidst changing work dynamics while upholding their commitment to employee well-being and organizational success.

Episode 12

Leadership in Uncertain Times with Bill Larkin

Join us as we delve into the critical role of leadership during uncertain times, particularly amidst the challenges posed by the COVID-19 pandemic. Join us as we sit down with Bill Larkin, Chair of Penn Community Bank’s Board of Directors, to gain insights into the strategic planning and decision-making processes employed by bank leaders in response to unprecedented circumstances. Discover how Penn Community Bank navigates financial stability, embraces its mutual banking model, and collaborates with the community to foster resilience and growth in the face of adversity. Gain valuable perspectives on the outlook for the region as we chart a course toward recovery and renewal post-pandemic.

Episode 11

Economic Update with Dorothy Jaworski

Join us as we dive into an insightful economic update with Dorothy Jaworski, Director of Treasury and Risk Management at Penn Community Bank. In the midst of the unprecedented challenges posed by the ongoing coronavirus pandemic, businesses and analysts are keen to understand the evolving landscape of the economy and its implications for the future. Dorothy shares her expertise and forecasts on various key indicators, offering valuable perspectives on what lies ahead for 2021 and beyond. Our discussion covers a range of topics, including Dorothy’s analysis of the historic Quarter 2 economic numbers, the impact of escalating debt on economic recovery efforts, and the Federal Reserve’s response and its evolving role as “Lender to the World.”

Episode 10

The Importance of Community Health with Dennis Pfleiger

Join us as we explore the critical importance of community health with Dennis Pfleiger, President of St. Luke’s Quakertown and Upper Bucks Campuses. Amidst the ongoing challenges posed by the coronavirus pandemic, St. Luke’s Hospital is actively engaged in addressing the nutritional needs of students in Upper Bucks County through its Summer Meals Program, while also strategizing for the future. Join us as we delve into discussions about the significance of consistent and healthy meals for the development of young minds, the far-reaching impacts of the pandemic, and proactive measures for individuals and businesses to safeguard their health and well-being.

Episode 9

The Power of Diversity and Inclusion with Falesha Grasty

Join us for an insightful discussion on the significance of diversity and inclusion in today’s business landscape. In this episode, Falesha Grasty, Senior Staff Accountant and Chair of Penn Community Bank’s IDEA Council, sheds light on the importance of fostering an inclusive work environment and the lessons local employers can learn from D&I efforts at the bank.

Episode 8

Paycheck Protection Program: Understanding the Changes and What Comes Next with Randy Stradling

Join us for an in-depth discussion on the Paycheck Protection Program (PPP) and the recent changes affecting participating employers. In this episode, Randy Stradling, Credit Officer II at Penn Community Bank, provides valuable insights into the PPP, including the unprecedented lending volume, updates from Congress and government agencies, and what borrowers can expect in the future.

Episode 7

Pandemic Proof – The Importance of Training and Development During Uncertain Times with Sandy Ziegler

Join us for a discussion on the significance of training and employee development in response to the economic impact of the coronavirus pandemic. Sandy Ziegler, Director of Training, Development, & Education at Penn Community Bank, shares insights into the importance of training for businesses and individuals alike. Learn about the benefits of learning and development, strategies to make your brand “Pandemic Proof,” and how to prepare for the jobs of tomorrow.

Episode 6

Safe and Sound with Rick Cimakasky

Join us for an insightful discussion on bank security in 2020 with Rick Cimakasky, Director of Fraud and Security Management at Penn Community Bank. Learn about the evolving landscape of bank security amidst a global pandemic, Rick’s transition from law enforcement to banking, and strategies to keep your money and data safe.

Episode 5

United Way of Bucks Co. with Marissa Christie and Todd Hurley

Join us for a compelling conversation with Marissa Christie, President/CEO of United Way of Bucks County, and Todd Hurley, Chief Relationship Officer at Penn Community Bank, as we explore the critical role of community businesses in responding to the needs arising from the pandemic. Discover how United Way of Bucks County and Penn Community Bank are partnering to provide economic support for small businesses, access to essential resources for families, and their shared commitment to local action.

Episode 4

Banking Where You Need to Be with Jim Fecca

Join us for an engaging discussion on the global shift to online finance with Jim Fecca, Director of Deposit Operations at Penn Community Bank. Discover trends in digital banking, essential digital tools for financial management during the pandemic, and insights on the future of banking.

Episode 3

The Coronavirus Economy (& What Comes Next) with Dorothy Jaworski

Join us for an insightful discussion on the state of the economy amidst the coronavirus pandemic with Dorothy Jaworski, Director of Treasury and Risk Management at Penn Community Bank. Gain valuable insights into key economic indicators, decision-making processes in volatile times, and the impact of government policies on the economy.

Episode 2

Protecting Your Data in the Time of Coronavirus with Karen Shinn

Join us for an important discussion on safeguarding your personal and professional data during the coronavirus pandemic with Karen Shinn, Director of IT Compliance, Cyber Security, and Risk Assessment at Penn Community Bank. Learn about common types of fraud, best practices for data security while working from home, and tips for small businesses transitioning sales and services online.

Episode 1

Understanding the Coronavirus Market with Christian Wagner

Join us for an insightful discussion with Christian Wagner, President of Penn Investment Advisors, as we navigate the volatile market conditions driven by the coronavirus pandemic. Gain valuable insights into the factors influencing market volatility, strategies to protect wealth during uncertain times, and perspectives on future market trends.