The GSB Online Seminar Series

Presenter: Richard Hamm, Advantage Consulting & Training This three-part program will be presented live on: April 9, 16 & 23, 10:30 a.m.-12:00 p.m. Central Time Recording available through: July 23, 2019 Price: $555   The Uniform Credit Analysis (UCA) cash flow model is an important analytical tool provided as output from business financial statement “spreading” software used for commercial and industrial (C&I) loans.  This seminar demonstrates how the UCA model is derived and compares it to the Statement of Cash Flows (SCF) prepared by accountants.  From “hands on” case studies, the participants will learn how to calculate both the UCA and SCF formats, plus how to use them to evaluate business cash flow in conjunction with traditional ratio analysis.  They will also learn how to utilize portions of the UCA and SCF output within the framework of a global cash flow analysis.   Specific topics to be covered include; Introduction to the UCA model and how it is derived from basic financial statements or tax returns The evolution of SFAS 95 and how the SCF is compiled by accountants The evolution of global cash flow models and two primary applications used by bankers today Compare and contrast the “direct” format (used in UCA) from the “indirect” format (used in SCF) How to calculate and how to use both cash flow models to evaluate business cash flow, with particular focus on assessing operating cash flow consistency and reliability, plus how short-term and long-term financing affect cash flow How cash flow analysis can be integrated into and validate traditional ratio analysis and other underwriting techniques How to utilize portions of the UCA and SCF output within the framework of a global cash flow analysis and avoid potential double-counting of inflows or outflow   Target Audience:  Commercial lenders, credit analysts, small business lenders, private bankers, loan review specialists, lending managers and credit officers Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: May 7, 10:00-11:30 a.m. Central Time  Recording available through: August 7, 2019 Price: $275   This seminar will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure.   The training session will also cover underwriting C&I loans including accounts receivable assessment and the use of a Borrowing Base Certificate (basic and advanced models), the valuation and quality of inventory, and the analysis of various equipment-related issues in lending. This portion of the seminar will also cover the proper evaluation of the borrower’s financial statements.        Additionally, the seminar will cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The seminar will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market.   Objectives:   Review C&I lending Discuss C&I loan products and their typical structure Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing Analyze the Borrowing Base Certificate (BBC) Evaluate the borrower’s financial statements Review the documentation, collateral, pricing, and managing of C&I loans Develop the marketing of C&I loans in today’s economy   Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers Read More

Presenter: Richard Hamm, Advantage Consulting & Training This three-part program will be presented live on: April 9, 16 & 23, 8:30-10:00 a.m. Central Time Recording available through: July 23, 2019 Price: $555   The 2008-2009 downturn in commercial real estate (CRE) has exposed many weaknesses in bank construction lending practices. This was due, in part, to community banks attempting to utilize versions of their residential forms and policies to administer commercial construction loans. Such an approach generally does not adequately control the situation due to the key differences between residential and commercial. This program covers the important steps involved in effectively administering commercial construction loans, including typical forms and common errors to avoid.   Specific topics to be covered during this seminar include:  Differences between residential and commercial construction loans Factors to consider in gauging the level of risk involved in the project/loan Issues with construction contracts, budgets and the interest reserve Five items that determine how you handle a specific loan The type of commercial construction situations (new construction, repair/renovation, etc.) The loan approval and related conditions or contingencies The commitment letter written to the customer Your bank’s policies and procedures The construction loan agreement Other documentation: Surveys, title insurance and bonding Funding controls: Inspections, lien waivers and disbursement methods Completion of the project and stabilization (if applicable) Special issues with owner-occupied loans Four ways to tailor your construction (and other) policies to your actual or planned portfolio   Target Audience:  Commercial lenders, credit analysts, and support staff that deal directly with commercial construction loans; mortgage bankers, private bankers, small business lenders, loan review specialists, special assets officers, lending managers and credit officers indirectly involved in the construction lending process. Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: May 14, 10:00-11:30 a.m. Central Time Recording available through: August 14, 2019 Price: $275   Attend this webinar to review the basics of commercial real estate including types of properties and demand/supply in the current market.   The session will then cover the entire loan process by which a commercial real estate loan is marketed, underwritten, approved, documented, closed, and monitored. The process will include examples of commercial real estate underwriting techniques and loan documentation issues.  Additionally, strategies to handle a problem commercial real estate loan will be addressed.    Objectives Review the basics of commercial real estate including types of properties and demand/supply in the current market Gain an understanding of how banks process commercial real estate loans Learn the steps of marketing, approving, documenting, closing, and monitoring a commercial real estate loan Cover examples of commercial real estate loan underwriting and loan documentation Address problem loan issues   Target Audience: Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers Read More

Presenter:   Buzz Hillestad, SBS CyberSecurity This 90-minute program will be presented live on: May 17, 10:00-11:30 a.m. Central Time Recording available through: August 17, 2019 Price: $275   When notified of a malware infection on a bank or customer system, it is the digital equivalent of being notified about a robbery. In a robbery situation, we would preserve evidence and investigate the crime. All too often in the digital world, we respond to malware infections with intentions to remove it and get the system back into production. When really, we need to enact our incident response plan and evaluate how we might have just been robbed – digitally.   It’s more difficult in a digital robbery to immediately identify if data or money were stolen. We should conduct a digital investigation to ensure the crime is still not occurring, identify what was stolen, and identify who stole it. Information must also be collected from the employees and clearly documented. This discussion will overview different types of incidents that are more frequent for financial institutions and illustrate how to prepare for them. The following are key focuses for our digital robbery discussion: Trending cybercrime and malware threats Examination of which IT systems are affected Breakdown of business process to explore who is affected Standard Incident Response Procedures Basic digital forensic   Target Audience:  Incident Response Team, Information Security Officer, IT Manager, Risk Officer, Internal Auditor, and IT focused resources looking to assist in governance or implementation of Incident Response.   This program qualifies for the following CPE Credits through the SBS Institute:  1.5 CPEs*: CBSM, CBSTP, CBIH ISC2*: Estimated 1.5 hrs. CISSP.  ISACA*: Estimated 1.5 hrs. CISA/CISM/CRISC. *Self-Reporting Read More

Presenter: Patricia A. Wise, Spengler Nathanson P.L.L. This three-part program will be presented live on: May 1, 8 & 15, 10:00-11:30 a.m. Central Time Recording available through: August 15, 2019 Price: $555   This interactive session will include a review and update of the most important areas of employment law, current issues, and proposed employment laws that employers need to be aware of, with particular emphasis and application to banks and their employees.  Preventive measures to avoid litigation and practical advice for bank policies and procedures will be provided.  Recent developments in federal law and federal agency regulations will be addressed.  Participants are encouraged to ask questions in any area of employment law.   Target Audience: Human resource officers, supervisors, CEOs, and general counsel or in-house legal counsel Read More