BEGIN:VCALENDAR VERSION:2.0 PRODID:-//ChamberMaster//Event Calendar 2.0//EN METHOD:PUBLISH X-PUBLISHED-TTL:P3D REFRESH-INTERVAL:P3D CALSCALE:GREGORIAN BEGIN:VEVENT DTSTART:20250521T163000Z DTEND:20250521T180000Z X-MICROSOFT-CDO-ALLDAYEVENT:FALSE SUMMARY:May Lunch N Learn- Happy State Bank DESCRIPTION:Join us for the Lunch N Learn event\, where you'll have the chance to connect with current and potential members over a light lunch. Hear from an expert speaker who will share valuable insights! It's the perfect opportunity to network\, learn\, and build meaningful relationships. Don't miss out!\n\n \n\nLearn the 5 C's of Credit\, why DSCR matters\, the differences between banks and credit unions\, and why getting a business loan can be tough. We'll break down retail vs. commercial banking\, types of loans banks avoid\, and more giving you the insights you need to navigate business financing!\n\n\n\nLearn More About Our Speakers:\n\n Andrew G. Miller SVP Commercial Lender III:\n\nAndrew G. Miller was born in Houston\, TX and is a 5th Generation Texan and 3rd Generation Banker. He is married to Debbie Miller and has 2 kids\, Charlie (16) and Gracie (14). He has lived in Austin\, TX since 1991 and has been in banking since 1993. Andrew has a Finance Degree and MBA from St. Edward's University. Andrew works at Happy State Bank and is a SVP of Commercial Lending specializing in Commercial Construction Loans. Andrew's area of expertize are in Retail\, Light Industrial\, Value Add\, Land Development/Entitlement\, and Multi-Family. Andrew also sits on the Board of Directors for the Lake Travis Chamber of Commerce and runs their Ambassador program. \n\n \n\nTD Winters SVP CLO of Central Texas:\n\nTD (Mary) Winters was born in Corpus Christi\, TX and began her banking career there in 1989. She has worked in the world of finance 30+ years fulfilling roles in credit\, loan administration\, and executive management. She is married to Drew Winters\, has two married daughters (Kathryn/Jonathan and Laurel/Tom) and one grandson (James). TD has lived in the Austin metro area for 27 years and has a Finance Degree from Texas A&M Corpus Christi. TD is an alumni of SMU's Southwest Graduate School of Banking and serves as a class mentor. entered around helping her internal and external clients achieve goals and strengthen their current position. Today she is a Senior Vice President and the Central Texas Divisional Chief Lending Officer for Happy State Bank. TD sits on the board for Centrant Community Capital (an affordable housing consortium)\, is a member of the following: IBAT's (Independent Bankers Association of Texas) Emerging Technology Committee\, TBA's (Texas Bankers Association) Bankers Leadership Council\, FWIT (Financial Women in Texas). One calling she's answered is service to the homeless community in Austin by monthly leading a team of volunteers that prepare\, transport and serve home-cooked meals. X-ALT-DESC;FMTTYPE=text/html:

\nJoin us for the Lunch N Learn event\, where you&rsquo\;ll have the chance to connect with current and potential members over a light \;lunch. Hear from an expert speaker who will share valuable insights! It'\;s the perfect opportunity to network\, learn\, and build meaningful relationships. Don'\;t miss out!
\n \;
\n\n
Learn the 5 C&rsquo\;s of Credit\, why DSCR matters\, the differences between banks and credit unions\, and why getting a business loan can be tough. We&rsquo\;ll break down retail vs. commercial banking\, types of loans banks avoid\, and more &mdash\; giving you the insights you need to navigate business financing!
\n\n

\nLearn More About Our Speakers:
\n \;Andrew G. Miller &ndash\; SVP Commercial Lender III:
\nAndrew G. Miller was born in Houston\, TX and is a 5th \;Generation Texan and 3rd \;Generation Banker. He is married to Debbie Miller and has 2 kids\, Charlie (16) and Gracie (14). \; He has lived in Austin\, TX since 1991 and has been in banking since 1993. \; Andrew has a Finance Degree and MBA from St. Edward&rsquo\;s University. \; Andrew works at Happy State Bank and is a SVP of Commercial Lending specializing in Commercial Construction Loans. \; Andrew&rsquo\;s area of expertize are in Retail\, Light Industrial\, Value Add\, Land Development/Entitlement\, and Multi-Family. \; Andrew also sits on the Board of Directors for the Lake Travis Chamber of Commerce and runs their Ambassador program. \;
\n \;
\nTD Winters &ndash\; SVP CLO of Central Texas:
\nTD (Mary) Winters was born in Corpus Christi\, TX and began her banking career there in 1989. She has worked in the world of finance 30+ years fulfilling roles in credit\, loan administration\, and executive management.  \; \;She is married to Drew Winters\, has two married daughters (Kathryn/Jonathan and Laurel/Tom) and one grandson (James). TD has lived in the Austin metro area for 27 years and has a Finance Degree from Texas A&\;M Corpus Christi. TD is an alumni of SMU&rsquo\;s Southwest Graduate School of Banking and serves as a class mentor. entered around helping her internal and external clients achieve goals and strengthen their current position. Today she is a Senior Vice President and the Central Texas Divisional Chief Lending Officer for Happy State Bank. \; TD sits on the board for Centrant Community Capital (an affordable housing consortium)\, is a member of the following: IBAT&rsquo\;s (Independent Bankers Association of Texas) Emerging Technology Committee\, TBA&rsquo\;s (Texas Bankers Association) Bankers Leadership Council\, FWIT (Financial Women in Texas). \; One calling she&rsquo\;s answered is service to the homeless community in Austin by monthly leading a team of volunteers that prepare\, transport and serve home-cooked meals.
\n LOCATION:Covert Bee Cave 16501 Sweetwater Village Drive\, Building 1\, GMC\, Austin\, TX 78738 UID:e.2123.12799 SEQUENCE:3 DTSTAMP:20260421T175004Z URL:https://laketravischamberfest.com/events/details/may-lunch-n-learn-happy-state-bank-12799 END:VEVENT END:VCALENDAR