The GSB Online Seminar Series

Presenter:  Dave Koch, Abrigo This 90-minute program will be presented live on: October 5, 2:00-3:30 p.m. Central Time     Recording available through: January 5, 2022 Price: $275   It is universally understood that asset\liability management (ALM) is a critical function for management of your financial institution’s performance.  Understanding and measuring the financial risks assumed by your institution and the associated rewards is the essence of good financial management.  For decades, industry net interest margins have under pressure due to lower interest rates and increased competition.  With growing pressure from non-bank players offering “banking” services, using the ALM process to measure and more importantly, MANAGE, your performance and risks to your institution’s return has never been greater. This 90-minute course provides attendees with a basic understanding of the asset\liability management process.  In the session we cover the role of Asset/Liability Management (ALM) as well as the fundamental components to an effective ALM process to measure and manage key risks.  This 90-minute webinar will cover: The role of the ALM process in financial institutions Options to measure risks we care about in the ALM process Measurements do we use to address ALCO risks, The common faults in community FI risk assessments Participants will: Understand the overall framework of Asset/Liability Management Analyze the key risk areas ALCO must manage Explain the role of income simulation, duration and economic value measures Explain the different between static and dynamic value at risk measurements Define Income at risk and value at risk Understand the role of liquidity risk management Outline key variables impacting the results Target Audience:  CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers.  This session is intended for individuals that are new to the ALM process.   Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: October 5, 10:00 - 11:30 am Central Time Recording available through: January 5, 2022 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, Advantage Consulting & Training This 90-minute program will be presented live on: October 26, 1:00-2:30 p.m. Central Time Recording available through: January 26, 2022 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: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: November 23, 1:00-2:30 p.m. Central Time Recording available through: February 23, 2022 Price: $275 This seminar is designed to strengthen your ability to analyze personal financial statements and loan applications within a simple, logical and consistent framework.  It provides the tools needed to build an assessment of an individual’s financial strength as a direct borrower, or as a guarantor of a business loan.  This assessment provides the foundation for further cash flow analysis, generally from personal tax returns.  Understanding that many banks use an automated process for consumer lending, this program will help participants understand what is happening in the background. This program will review: Current industry trends   Taking the loan application, getting the needed information, and issues with helping the customer complete the schedules Beyond W-2’s and pay stubs: Tips on how to qualify income and verify employment Personal financial statement (PFS) overview and eight items bankers should look for “Three-step” approach to reviewing and analyzing a PFS in an efficient manner Issues with getting complete and accurate information from the customer The format does matter: Key features of bank-provided formats for a PFS compared to an accountant-prepared PFS, including assets and liabilities, reported income, and contingent liabilities How to calculate adjusted net worth and outside net worth Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers Read More

Presenter: Tom Hershberger & Kyle Hershberger, Cross Financial Group This 90-minute program will be presented live on: October 14, 2:00-3:30 p.m. Central Time Recording available through: January 14, 2022 Price: $275 Leadership development and succession planning place a high priority on any company’s ability to develop talent within their organization. We continue to hear stories from managers about the gap between Baby Boomers and Millennials. The Baby Boomers are managing based on performance practices that helped them achieve results. They apply those practices to the next generation of employees. After all, the Boomers produced success with those activities. The challenge is, Gen X and Millennials may not see the benefits of adopting practices the Boomers found helpful. So, how do we build a work environment that is attractive to younger employees and productive for seasoned managers? This presentation focuses attention on three important ingredients to bridge the Boomer-Millennial gap…communication, engagement and rewards. The best solutions for your organization might be the ones you haven’t tried yet. This session, presented by a Baby Boomer and a Millennial, will examine challenges created by generational differences in the workforce. Target Audience: Senior and middle managers, branch managers, supervisors Read More

Presenter:  Regan Camp, Abrigo This 90-minute program will be presented live on: September 22, 2:00-3:30 p.m. Central Time Recording available through: December 22, 2021 Price: $275 New to the CECL conversation or want a refresher on the basics of the current expected credit loss model? This session is intended to provide an introductory-level overview of the Why, What and How of CECL, and assist attendees in establishing a foundational understanding of the new accounting standard.  This session will prove especially helpful for those attendees who are looking to fortify their understanding of the new standard and/or are unsure where to even start in preparing for compliance.  Key Takeaways: Establish a foundational understanding of the Why, What and How of CECL. Consider what it means to be “CECL compliant” and to what standard we should set our sights Review important considerations in selecting an appropriate model/methodology Discuss evolving best practices being established and common pitfalls to watch out for Target Audience:  CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers.  Read More