The GSB Online Seminar Series

Presenter:   Richard Hamm, Advantage Consulting and Training This three-part program will be presented live on: November 27, December 4 & 11, 1:00-2:30 p.m. Central Time Recording available through: March 11, 2019 Price: $555   This seminar follows the consumer lending process from taking the application to making the final credit decision. Using cases and providing best practices, participants will learn how to better navigate what can be a tricky process. Since consumer lending tends to be one of the most automated and regimented lending functions in banking, special emphasis will be placed on recognizing exceptions to established lending policies and practices, and how to properly mitigate these risks – when it makes sense for bankers to intervene and grant a waiver.   Specific topics to be addressed include: Current industry trends The new Consumer Financial Protection Bureau (CFPB) and emerging issues, such as qualified mortgages, ability-to-repay, and changes to existing regulations Re-thinking the predictive power of credit scores Rebuilding and repairing home equity lending 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 Myths and realities of credit bureau reports Getting beyond “the dog ate my homework” types of excuses for poor credit history A framework for dealing with applicants that have a previous bankruptcy Credit policy exceptions are serious business – your reasons for granting a waiver must be equally serious Collateral considerations Documenting the approval process Beyond the “big three” of credit score/history, debt ratio and loan-to-value: Tips on using other important factors to mitigate risks and underwrite a solid loan   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: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: November 19, 2:00-3:30 p.m. Central Time Recording available through: February 19, 2019 Price: $275   This webinar will explore various cash flow techniques as they apply to a wide range of business scenarios and addresses the underlying drivers of cash flow. The cash flow models will include both business and personal (business owner) applications.  The business cash flow section will include traditional EBITDA cash flow, Fixed-Charge Coverage (FCC), Free Cash Flow (FCF), Cash Basis Cash Flow, and the UCA Cash Flow (using the Moody’s Risk Analyst software spreadsheet). Additionally, the statement of Cash Flows (both Direct and Indirect Methods) as prepared by the CPA will be reviewed.   The personal cash flow section will detail the cash flow analysis of the business owner using the 1040 tax return and personal financial statement. Additionally, the Global Cash Flow or combined business & personal cash flow model will be displayed.   The program will also include a commercial real estate cash flow analysis with several “what-if” situations.   Topics to be covered include: Business & personal cash flow analyses including direct applications to business scenarios EBITDA, FCC, FCF, cash basis cash flow, UCA cash flow analyses, statement of cash flows Personal cash flow analysis Global cash flow: combining the business and personal cash flows Commercial real estate cash flow analysis including “what-if” situations   Target Audience: Commercial lenders, commercial relationship managers, credit analysts, loan administrators Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: November 1, 2:00-3:30 p.m. Central Time Recording available through: February 1, 2019 Price: $275   Attend this proactive webinar and learn an in-depth approach to financial statement analysis. The participant will be introduced to a five-part analysis model which will include the following:   Liquidity: How to determine the true cash position of a company by eliminating certain current asset accounts from the working capital, current ratio, and quick ratio calculations Activity: How to correctly interpret a company’s accounts receivable, accounts payable, and inventory turnover. The turnover rates will then be used to determine (and later improve) a company’s cash conversion cycle. Leverage: How to calculate the debt versus equity position of a business and use/misuse the subordination agreement Operating Performance: How to gauge a company’s true profitability and the impact of accrual versus cash basis income statements. Additionally, the effect of the timing of the recognition of revenues and expenses will be reviewed Cash Flow: Calculate, interpret, and apply several cash flow models including traditional EBITDA, Fixed-Charge Coverage, Free Cash Flow (FCF), Cash Basis Cash Flow, and Uniform Cash Flow Analysis   Additionally, the related topics of the Z-score (bankruptcy predictor) and the sustainable growth models will be reviewed.   An in-depth case study will be used to illustrate the various parts of the five-part model and allow the attendee experience in calculating and correctly interpreting the numbers.   Target Audience: Commercial lenders, commercial relationship managers, credit analysts, loan administrators Read More

Presented by: Ascensus  This 90-minute program will be presented live on: December 12, 10:00-11:30 a.m. Central Time Recording available through: March 12, 2019 Price: $275   This course is perfect for individuals who are comfortable with HSAs and are looking to further enhance their understanding of these accounts. This course will take your knowledge to the next level with a review of difficult HSA issues regarding eligibility requirements, employer contributions, excess contribution issues, prohibited transactions, and reporting. Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: November 20, 10:00-11:30 a.m. Central Time Recording available through: February 20, 2019 Price: $275   This online seminar will provide bankers with an overview of several advanced tax return concepts and related analysis to help them more effectively work with their business customers. The program will begin with a brief review of analyzing a business owner’s personal “1040” tax return and the return of both an LLC and an S corporation including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.   The remainder of the program will cover the following pertinent tax topics related to business clients: Corporate tax issues including business structure, Section 179 Depreciation, and bonus depreciation Investments including capital gain/loss issues and passive activities Real estate issues including rentals and home offices Employer provided benefits including qualified retirement plans and Health Savings Accounts (HSAs) Retirement planning strategies including defined benefit plans Estate planning issues including gift taxes Year-end tax planning strategies Recent changes to the tax code that impact business owners   Each of the program topics will be presented from the perspective of more effectively working with the bank’s business customers.   Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers Read More

Presenter: Cole Ponto, SBS CyberSecurity, LLC This 90-minute program will be presented live on: December 5, 2:00-3:30 p.m. Recording available through: March 5, 2019 Price: $275   Federal regulators require banks to maintain emergency preparedness plans, such as Business Continuity, Disaster Recovery, and Pandemic Preparedness Plans. These ensure continuity of the bank in an unlikely event a significant incident or disaster occurs. The consequences to a financial institution can be severe if proper disaster recovery and business continuity planning does not occur and continuity of business fails. In fact, many significant business continuity risks are connected directly to disasters originating from cybersecurity threats.   FFIEC requirements will be at the center of our discussion, to ensure that not only the best plans are constructed, but also that regulatory compliance is achieved. This discussion demonstrates a practical approach to business continuity and disaster recovery that builds upon your IT risk assessment. We will cover topics such as: Types of incident and disaster planning Regulatory Requirements Business Impact Analyses Risk Assessment Plan Development Testing and Improving the plan   Target Audience:  information security officer, IT manager, risk officer, internal auditor, and executives looking to understand expectations around business continuity risks.   This program qualifies for the following CPE Credits through the SBS Institute: 1.5 CPEs*: CBBCP, CBSM, CBVM ISC2*: Estimated 1.5 hrs. CISSP.  ISACA*: Estimated 1.5 hrs. CISA/CISM/CRISC. *Self-Reporting Read More