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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Presenter:  Regan Camp, Abrigo This 90-minute program will be presented live on: February 17, 2:00-3:30 p.m. Central Time Recording available through: May 17, 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

Presenter: Mike Wear, 39 Acres Corporation This 60-minute program will be presented live on: February 25, 2:00-3:00 p.m. Central Time Recording available through: May 25, 2021 Price: $225   As our industry prepares for recessionary impacts on our loan portfolio, and while at the same time, looks into efficiency of branches, this experience gap is very real and widening with each retirement.    This former talent gap is now a legitimate business risk that can cause loan losses.    What is your bank doing NOW to address this issue?  Are your newer lenders and analysts trained in early identification of risk in your Pass-rated loan portfolio?  Is your lending staff prepared for effective handling of problem loans to minimize loss?  How will you re-tool your branches into loan production offices?   Program highlights: This webinar will discuss and exchange practical and proven ideas on closing this gap, including how to utilize next gen bankers in leveraging risk modeling and rules-based automation.  Participants are encouraged to share what has worked well for them – in both attaining and retaining talent from outside the institution as well as growing our own existing staff.   The facilitator, Mike Wear, is a veteran commercial lender, senior risk manager and banker educator, will share successful hands-on techniques and tools taught in several regional commercial lending schools and workshops that you can use in your bank.  In addition, you’ll hear first-hand feedback received from the next generation of bankers—what motivates them and how to effectively coach them.   Target Audience:  CEOs, lending leaders, HR leaders, and others responsible for efficiency in their in their banks Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 15, 10:30 a.m. -12:00  p.m. Central Time Recording available through: March 15, 2021 Price: $275 It has been said that nothing exposes the intellectual abilities of a loan officer like a credit write-up, because writing is a reflection of thinking.  And not just for loan officers, but for credit analysts, portfolio managers and others that deal with business and commercial loans. Many facets of lending are difficult to explain, especially when put into writing.  This program is centered around basic writing principles, but applied to lending.  It explores the process using five Ps.  Within the thought process and planning, there are two Ps: (1) Purpose and (2) preparation.  Within “getting it done” there are three more Ps: (3) Putting it all together, (4) Polish and (5) Pizzazz: Purpose Identifying what you want the reader to do Determining your (almost always) multiple audiences Preparation Recognizing the eight qualities of effective writing Communicating efficiently using “cover pages” Determining what supporting evidence is needed in the memorandum Finding the best format Putting it all together Identifying the unique issues in communicating data and quantitative information Outlining prior to drafting Data tables are not analysis Polish Before and after example Using white space and formatting conventions Lender liability issues Pizzazz Getting the reader’s attention Making sure that the reader does not miss key points Every package tells a story 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:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 15, 1:00-2:30  p.m. Central Time Recording available through: March 15, 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

Presenters:   Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 8, 10:30 a.m. - 12:00 p.m. Central Time Recording available through: March 8, 2021 Price: $275 Do you know the difference between an affirmative covenant and a negative covenant?  What is the concept of constructive forbearance?  Commercial lenders actively use loan agreements in almost all lending situations, ever since digital document systems eliminated the time-consuming effort to create loan document from scratch of from manual templates.  Unfortunately, this automation has led to less understanding of the content of loan agreements and the “art” of crafting financial covenants. This program covers the basics of loan agreements, starting with the typical structure of the document and the roles of financial and non-financial covenants (some covenants achieve more than one objective).  Together with carful loan structuring, a properly crafted loan agreement better matches the customer’s needs and contributes to the efficiency of the lender’s portfolio. This seminar provides bankers with a working knowledge of the basic principles of loan agreements, including: Understanding the primary sections and goals of a loan agreement Identifying the objectives of loan covenants and how some covenants achieve more than one objective Digging deeper into events of default and remedies and how they determine your possible courses of action when problems arise Reviewing practical tips for setting covenants, such as aligning them with key risks identified in the credit Identifying some commonly negotiated areas and related positions/options for the bank Target Audience:  Small business lenders, private bankers, commercial lenders, credit analysts, loan review specialists, lending managers and credit officers involved in C&I loans   Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 8, 1:00-2:30  p.m. Central Time Recording available through: March 8, 2021 Price: $275 For many consumers, their residential first mortgage is the largest debt obligation.  So, even if you are making other types of consumer loans, it is important to understand mortgages – how they work, typical structures, and their impact on the credit profile of your borrower.  This program provides an overview of the entire mortgage process, including home equity lending.  We’ll look at the business aspects of mortgages for banks, current trends in products offered, plus recent regulatory issues – most of which arose from the severe downturn in housing in 2008-2010. This webinar will address: Update on residential first mortgage products and housing in general The roster of various players and participants in the mortgage process, including the government sponsored entities (GSEs) The evolution of bank involvement and current practices (originate to keep, originate to sell, using a correspondent relationship and others) Customer goals and process differences with purchase mortgages versus refinancing Overview of formal underwriting steps Single closing products or construction/permanent combined loans Evolution and current trends in home equity lending Example underwriting for home equity line of credit (HELOC) Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers Related GSB Online Programs: Consumer Lending: Analyzing Personal Financial Statements and Loan Applications, Plus Key Ratios Consumer Lending: Beyond the Ratios and into Credit History, Role of Collateral and Other Factors Read More

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