The GSB Online Seminar Series

The GSB Online Seminars Series offers a convenient, cost-effective way to access quality educational opportunities. Please note ALL times below in CENTRAL TIMEZONE.

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Upcoming Sessions

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Get these programs together at a discount: HSA Fundamentals - April 21 HSA Advanced Concepts - April 14 Top 10 HSA Issues - April 28 Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: April 27, 1:00-2:30 p.m. Central Time Recording available through: July 27, 2021 Price: $275   With intense competition to capture loans, now more than ever it is important to have a strategic approach to loan pricing.  This includes adequately covering your bank's costs and meeting profit objectives.  It also includes differentiating loan interest rates to reflect relative risk, plus knowing that you CAN win the borrower's business on a basis other than the lowest price.  So, improving your banks loan pricing and profitability has three key steps: Understanding how your bank’s financial structure and performance creates advantages and disadvantages.  It all starts with the loan-to-deposit ratio, then extends to the various metrics that drive calculating the profitability of loans, in terms of return on equity (ROE). Knowing these key variables, the next element is scouting the competition. Uncertain times bring confusion to a competitive market.  We’ll cover several ways to do this.  No more complaining that the competition did something foolish, because usually they did not. Sharpening your bidding skills comes next.  Most pricing situations effectively are bid situations, whether you know it or not.  We’ll cover several strategies to use.    Topics to be covered include:   The key variables that determine loan profitability, plus a simple calculation example Using each variable to uncover possible advantages and disadvantages your bank may encounter with your competitors Understanding that it is not a “level playing field” when you compare to non-bank competitors Obtaining premiums (yes, you can) Options, options, options are your friend Being proactive Keeping the economic cycle in mind   Target Audience:  Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, consumer lenders, branch managers that lend to business owners, private bankers, special assets officers, loan review specialists and others involved in business and commercial lending Read More

Presenter: Patrice McGuire, McGuire Business Partners This 90-minute program will be presented live on: April 23, 9:30-11:00 a.m Central Time Recording available through: July 23, 2021 Price: $275   Making a bad or wrong hire can be a costly mistake.  The problem is we often make hiring decisions because we “liked” the candidate, not necessarily because they were the right candidate and the most qualified candidate.  In this program participants will learn the three elements of an effective interview.  The idea is that past performance of candidates will predict future performance, good or bad.  So, by applying these three elements during the interview process, interviewers will likely ask better questions, get better answers, evaluate how well the candidate will “fit” the job and organization and ultimately make solid hiring decisions.   Target Audience:  Anyone involved in the interview and hiring process of employees Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: January 27, 10:00 - 11:30 am Central Time Recording available through: April 27, 2021 Price: $275   This webinar covers the basics of commercial lending and is a must for all new commercial lenders and/or those individuals who want to explore this vital discipline! The session will begin with a brief overview of conventional commercial lending versus SBA lending. Additionally, the concept of credit scoring will be explored. Next, the program will cover underwriting a commercial loan including a brief review of financial statement analysis (with emphasis on various cash flow analyses). Additionally, a standard loan write-up or written presentation format will be displayed.  Finally, the session will conclude by reviewing various related concepts including negotiating a commercial loan, sources of commercial financing, and legal aspects of commercial lending. Program objectives: Define commercial lending Discuss conventional commercial lending versus SBA lending Explore credit scoring Cover underwriting a commercial loan including financial statement analysis (with emphasis on cash flow analyses) Analyze a standard loan write up Review negotiating commercial loans, sources of commercial financing, and legal aspects of commercial lending Target Audience: Credit analysts, branch managers, assistant branch managers, private bankers, and business development officers Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: January 26, 10:00-11:30 a.m. Central Time Recording available through: April 26, 2021 Price: $275   The seminar will cover the basics of consumer lending including the consumer loan function, marketing consumer loans, and making consumer lending decisions based on the five (5) C’s of credit- capacity, capital, collateral, conditions, and character. The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the consumer lending process. An auto loan, RV loan, and home equity line of credit (HELOC) will be utilized as examples throughout the session. Additionally, the basics of consumer loan compliance will be provided including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting. The bank’s consumer lending function will be illustrated through case studies. Objectives Learn about the basics of consumer lending Explore marketing consumer loans Gain an understanding of how banks make consumer lending decisions based on the five (5) C’s of credit. Review the basics of consumer loan structure, support, documentation, and compliance with an auto loan, RV loan, and HELOC as examples Apply consumer lending through case studies Target Audience:  Consumer lenders, loan documentation specialists, private bankers, business development officers, branch managers, financial service representatives Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: February 2, 1:00-2:30 p.m. Central Time Recording available through: May 2, 2021 Price: $275   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.  We will explore the information and resources needed, plus key issues for extracting data from tax returns.  One area of concern is the income listed on page two of Schedule E compared to withdrawals or contributions shown on the related K-1s.  A case study is used to illustrate key points.    Topics to be covered include: Versions of GCF being used by bankers Regulatory concept of global analysis Analytical and conceptual issues: Giving credit for business earnings or amount distributed What is shown on a Schedule K-1 (income/expense pass-throughs versus cash inflows/outflows) Some tax return basics/issues along the way   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

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