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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Presented by: Ascensus  This 60-minute program will be presented live on: March 3, 10:00-11:00 a.m. Central Time Recording available through: June 3, 2021 Price: $225   Retirement plan portability can be confusing, not only for IRA owners and plan participants, but for financial organization personnel. The differences between a rollover and a transfer, and a direct and indirect rollover are just a few of the topics that will be discussed during this session. This webinar also touches on designated Roth account assets. Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: February 2, 8:30-10:00 a.m. Central Time Recording available through: May 2, 2021 Price: $275   Construction loans for commercial real estate (CRE) remain a major part of commercial bank lending.  This program provides an overview of the key issues involved in analyzing and underwriting commercial construction loans and assessing the risk involved.   In a sense, the underwriting is a mix of (a) CRE project viability, (b) sponsor analysis and (c) construction feasibility.  Further, the underwriting is difficult due to several unknowns.  First, usually there is no historical operating information.  Second, the developer/sponsor may have a number of other projects under construction or in the pipeline.  Third, many property types do not get significant pre-leasing prior to or during construction.  Finally, the developer may not have selected or engaged a contractor, or other key steps in the construction process may not have been finalized prior to bank underwriting.   Topics to be covered: Understanding the type of project (full construction vs. repair/remodel/repurpose) The three major areas of risk to the developer when constructing an investment property Determining project feasibility and cash flow sustainability Engaging a third-party market feasibility report Working from developer projections or market data Issues with pre-leasing (or lack of preleasing) and your bank’s appetite for speculative (spec) risk Re-lease and rollover risk into the future Key steps in analyzing the developer/sponsor’s experience and financial condition and key information needed beyond tax returns Assessing the construction risk Special issues with owner-occupied loans Identifying the degree of risk and communicating appropriate levels of monitoring and controls to the administrative team, over and above the basic processes used to assure that the project is within budget, on time and proceeding per the plans and specifications   Target Audience:  Commercial lenders, credit analysts and support staff that deal directly with commercial construction loans; mortgage bankers, private bankers, small business lenders, loan review specialists, special assets officers, lending managers and credit officers indirectly involved in the construction lending process Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: March 16, 8:30-10:00 a.m. Central Time Recording available through: June 16, 2021 Price: $275   Which property types have unique analytical ratios? Hotels with RevPAR and ADR come to mind. What is a cotenancy clause in a retail lease, and how can it affect the property owner? This program covers important factors in evaluating commercial real estate (CRE), including the ways many property types are somewhat unique, having different metrics and terminology. How about tenant mix and gross space versus rentable space? In addition to cotenancy clauses, what are some typical covenants that a landlord must adhere to? What are typical covenants placed on the tenant? This program also covers key features and components of commercial lease agreements.   Specific subjects that will be covered during the seminar: Unique characteristics of the major types of real estate Differences in terminology, metrics and documentation with certain property types Key features and components of commercial leases Strategies for reviewing leases and as part of underwriting and loan monitoring How your loan documents may prohibit changes and/or renewal of leases without bank consent   Target Audience: Commercial lenders, credit analysts and small business lenders; consumer lenders, mortgage bankers and private bankers; 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: March 16, 10:30 a.m.-12:00 p.m. Central Time Recording available through: June 16, 2021 Price: $275   Have you ever been faced with two appraisals done within just a few months, but reach very different values for the same property? Bankers usually focus first on the approaches to value, especially the comparables and also the cap rate or vacancy rate used within the income approach. A group of appraisal sections outside of the approaches to value often hold the clues to why two different value were achieved. This program looks at these other sections and how to effectively analyze them as part of the appraisal review process.   Specific subjects that will be covered during the seminar: Why the ownership interest (fee simple, leased fee, etc.) matters and can change the income approach conclusion Key components of highest and best use, and the conclusion does not always match your borrower’s plan or the existing use of the property Don’t skip over the assumptions and limiting conditions as so much “boiler plate” Identify the difference between hypothetical conditions that you need versus those to avoid Why area and economic data should be somewhat similar among different property types in your market, and why some data should be uniquely tailored to the subject’s property type Other common appraisal deficiencies   Target Audience: CRE lenders, commercial lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: February 23, 10:00-11:30 a.m. Central Time Recording available through: May 23, 2021 Price: $275   Ratios, ratios, and more ratios! What do they really mean? Many financial professionals including bankers use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner? Attend this proactive seminar and learn a “five-step” analysis plan to calculate the key ratios covering liquidity, activity, leverage, operating performance, and cash flow analysis and correctly interpret the financial condition of the business client. Upon completion of this seminar, the bank employee will also be able to better negotiate with their business clients as well as other financial professionals. The session will also include a review of “spreading” a financial statement using Moody’s Lending Cloud software in order to better analyze the key ratios. This section will also include the bankruptcy (Z-score) predictor and sustainable growth models. Two case analyses will be presented to illustrate the main concepts associated with key ratio analysis. Topics to be covered include: Utilize a five-step key ratio analysis plan to calculate/interpret the key ratios Discuss negotiating with other financial professionals using the ratios Review the Z-score and sustainable growth models Case analyses: Applying the concepts! Target Audience:  Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers Read More

Presenter: Shawn Belling, Madison College This two-part program will be presented live on: April 6 & 8, 2:00-3:30 p.m. Central Time Recording available through: July 8, 2021 Price: $545   Formal project management techniques improve an organization’s chances of completing projects successfully. We’ll review research-based techniques that you can use when managing and when sponsoring projects that will lead to successful outcomes.  This course is designed to provide tools and techniques for successfully managing a medium to large scale project and how to monitor the “health” of your project throughout the process. In session 1, we’ll review the elements of a project that will expose you to many of the common problems that can occur in medium to large scale projects. We’ll then use this experience to highlight current research on how to avoid common project pitfalls. Topics explored include: Managing the classic constraints of project management: schedule constraints, budget constraints, and scope of deliverables and the quality of the deliverables. Managing and scheduling staffing resources throughout the lifecycle of the project. Techniques that can help teams identify the most important business requirements of any future system. Managing projects that include new technologies. In session 2 we’ll explore common causes and symptoms of project failure and introduce a framework that can be used to measure the “health” of your projects. The framework can be used as a tool to help with project selection or as an instrument to detect that  the project is in trouble. Topics covered include: Signs of trouble for large, intermediate, and small projects. Risks associated with projects that can lead to troubled projects. Steps you can take to start to get your troubled projects back on track. After completing this course, attendees will be able to: Identify the best, research-based, techniques for managing a project Understand and manage constraints throughout the project process Assess the “health” of a project throughout the project lifecycle Target Audience: Any employee involved in project management in the bank Read More

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