The GSB Online Seminar Series

Get these programs together at a discount (normally $2,310 if purchased individually): Advanced Cash Flow Issues: Working Capital and Fixed Asset Expenditures - May 17 Cash vs. Accrual Accounting Refresher - April 5 Components of Business Financial Statements & Tax Returns - March 29 Developing and Analyzing a Statement of Cash Flows - May 3 Developing and Analyzing Key Financial Ratios - April 19  Developing and Analyzing the Uniform Credit Analysis (UCA) Model - May 10 Navigating and Analyzing a Business Tax Return - April 12 Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: May 17, 10:30 a.m. - 12:00 p.m. Central Time Recording available through: August 17, 2022 Price: $330 Working capital is misunderstood by many borrowers and bankers alike.  This program provides the analytical tools (with case examples) to understand how the working capital cycle affects the borrowing needs of a business in terms of a line of credit, and how the dollar size of the line of credit is related to this cycle. Equally important is to understand how equipment finance needs arise, and how to use financial statements or tax returns to determine historical patterns of capital expenditures and related long-term financing, plus gaps between purchases and financing.  This allows the lender or analyst to position your bank to be proactive in helping customers optimize or maximize equipment financing, while minimizing its draining effect on working capital via small purchases (not financed) and down payments. Topics covered include: How visualize the working capital cycles, plus a simple chart to use Related line of credit size to working capital needs and basic cash flow Areas of caution when using accounts receivable and inventory as collateral Overview of equipment financing (loan or lease) industries that tend to have stronger equipment financing needs Overview of equipment loan vs. lease considerations Capitalized leases vs. operating leases and upcoming FASB changes, with case example of how to capitalize an operating lease for analytical purposes Issues with equipment as collateral Target Audience: Commercial and business lenders, credit analysts, community bankers, private bankers and portfolio managers; plus, loan review and examination specialists, and credit officers involved evaluating or approving equipment financing Read More

Get these programs together at a discount (normally $2,640 if purchased individually): Best Practices for Lines of Credit, Term Loans and Other Credit Facilities - April 5 Expanding from Global Cash Flow into Global Analysis - May 17 Five Keys to Better Credit Memos and Loan Packages - April 19 Four Keys to Loan Structuring - March 29 Global Cash Flow Mechanics, Including Living Expense - May 10 Improving Commercial Loan Pricing and Profitability - April 19 Introduction to Global Cash Flow - May 3 Loan Agreements and Covenants - April 12 Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: May 17, 1:00-2:30 p.m. Central Time Recording available through: August 17, 2022 Price: $330 This seminar covers common versions of global cash flow (GCF) analysis being used by bankers, with a focus on GCF as part of the underwriting process in most medium- to smaller-sized businesses and self-employed lending situations.  Beyond the basic calculations involved in combining business and personal cash flow, a major issue is how balance sheet changes affect business cash flow, and should business cash flow be broader than earnings before interest, depreciation and amortization (EBITDA)?  What about personal balance sheet changes? We complete the cash flow part of the global analysis by reviewing an optional and simplified approach for integrating the cash flow effects of business and personal balance sheet changes. Another issue is how to assess the borrower’s other business holdings, including commercial real estate (CRE).  In many instances, the magnitude of guarantees (contingent liabilities) related to other businesses are much larger than the global cash flow that has been calculated.  What are some best practices for moving beyond cash flow to making this global, “portfolio” assessment?  Topics to be covered include: Regulatory concept of global analysis Analytical and conceptual issues: Incorporating business balance sheet changes Effect of loss carryforwards in a business tax return GCF and the larger, global analysis of business and CRE owners/guarantors and related contingent liabilities Some tax return basics/issues along the way When to recognize that the business itself or a real estate project should stand on its own, and a global cash flow “can’t make a bad loan good.” 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

Get these programs together at a discount (normally $1,320 if purchased individually): Appraisal Approaches to Value De-mystified - February 22 Key Appraisal Components Beyond the Approaches to Value - March 1 Overview of Appraisal Rules/Guidelines and the Review Process - February 15 Overview of Evaluations and Other Valuation Options - March 8 Read More

Get these programs together at a discount (normally $1,320 if purchased individually): Cap Rates and Factors Beyond Debt Coverage and Loan-to-Value - February 22 Developing a Cash Flow and Key Ratios - February 15 Developing a Global Analysis of Property Holding - March 8 Issues with Property Types & Lease Structure - March 1 Read More