The GSB Online Seminar Series

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: August 5, 10:00 - 11:30 am Central Time Recording available through: November 5, 2020 Price: $275   This seminar will provide the banker with the basics/refresher of accounting. The seminar will demonstrate how the income statement, statement of owner’s equity, balance sheet, and statement of cash flows are developed and connect to each other.   The seminar will also cover the ten-step accounting cycle leading up to the creation of the financial statements including the rules of debits and credits, accrual versus cash basis accounting, adjusting entries, accounting for inventory and receivables, long-term liabilities and depreciation, proper analysis of the notes to the financial statements, types of financial statements, and the CPA opinion.   The seminar will include several hands-on examples to reinforce the accounting concepts.   Items covered include:   The four financial statements- income statement, statement of owner’s equity, balance sheet, and statement of cash flows The ten-step accounting cycle (business transactions to the post-closing trial balance) Rules of debits and credits Accrual versus cash basis accounting Adjusting entries Accounting for inventory and receivables Long-term liabilities and depreciation Analysis of the notes to the financial statements Types of financial statements and the CPA opinion Examples to reinforce accounting concepts   Target Audience:  Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, business development officers Read More

Presenter: Richard Hamm This 90-minute program will be presented live on: August 25, 10:30 a.m. -12:00 p.m. Central Time Recording available through: November 25, 2020 Price: $275   Many Bankers underwrite loans primarily from personal and business tax returns, particularly at the community bank level. What reported income is actually cash flow? How can we properly assess a large capital gain (or loss)? How can you determine of an item is recurring? Why should you exclude non-recurring items? How do loss carryforwards affect cash flow? What is the Section 179 deduction? This program provides answers and provides case examples.   Specific subjects that will be covered during the seminar: Examples of capital gains (and losses) and how to extract the cash flow involved Issues in determining if an item is recurring When to ask questions of the borrower and/or his or her tax advisor when the tax return does not appear to make sense What is a loss carryforward item and how it should be treated in an analysis Overview of Section 179 for write-off or depreciation of assets In complex situations, ideas for limiting the analysis to material or significant items, and how to determine if further and/or annually updated information should be waived Ways to move forward with analysis while waiting for additional information Why you will often need information beyond what is reported in tax returns   Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers Read More

Presenter: Jay Coakley, Coakley Strategic Solutions LLC This 90-minute program will be presented live on: August 12, 10:00-11:30 a.m. Central Time Recording available through: November 12, 2020 Price: $275   In this webinar we will go through the best practices in brand development and contrast how brand relates to the bottom-line profits of the bank. We will use examples from community banks and other industries to help build the case for brand development and positioning. The real message of this webinar will focus on moving a bank’s position from commodity-based pricing to premium pricing through an understanding of brand. Premium (branded banks) will have higher NIM and higher non-interest income. We will also touch on product, culture and the marketing and sales strategies to build a premium brand.   This program will address: Brand development and positioning Pricing strategies Relationship between brand and culture Sales strategies of premium brands   Target Audience: CEOs, presidents, senior managers, retail and commercial managers, product managers and marketing managers Read More

Get these programs together at a discount: Business Financial Statements & Tax Returns: Financial Statement Components, Structures and Levels of Account Involvement      Live on July 2, recording available through October 2, 2020 Business Financial Statements & Tax Returns: Cash vs. Accrual Accounting Refresher      Live on July 9, recording available through October 9, 2020 Business Financial Statements & Tax Returns: Creating a Business Tax Return and Comparing/Mapping to a Conventional Financial Statement      Live on July 16, recording available through October 16, 2020 Business Financial Statements & Tax Returns: Developing and Analyzing Key Ratios      Live on July 23, recording available through October 23, 2020 Read More

Get these programs together at a discount: Commercial Lending: Loan Structuring Basics, Including Terminology and Four Key Factors      Live on July 2, recording available through October 2, 2020 Commercial Lending: Best Practices for Structuring and Underwriting Lines of Credit, Bridge Loans, Term Loans and Seasonal Credits      Live on July 9, recording available through October 9, 2020 Commercial Lending: Loan Agreements and Covenants      Live on July 16, recording available through October 16, 2020 Read More

Get these programs together at a discount: Commercial Real Estate Appraisals: Overview of Evaluations, Validations of Existing Appraisals and Third Party Review      Live on August 4, recording available through November 4, 2020 Commercial Real Estate Appraisals: Approaches to Value De-Mystified      Live on August 11, recording available through November 11, 2020 Commercial Real Estate Appraisals: Key Appraisal Components Beyond the Approaches to Value      Live on August 18, recording available through November 18, 2020 Read More