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:  Linda Larger, Banker Education Solutions & Training, LLC This 90-minute program will be presented live on: November 8, 9:30-11:00 a.m. Central Time Recording available through: February 8, 2019 Price: $275   This course will build on what participants already know about structuring loans by taking a closer look at potential issues surrounding collateral.  We will discuss three of the most typical forms of collateral – accounts receivable, inventory and fixed assets and the potential problems these types of collateral present if the loan begins exhibiting warning signs of becoming a problem. Certain common documentation errors will be combined with the collateral evaluation process to help lenders make better collateral evaluations in the underwriting & origination process.   Participants will learn how to: Analyze the collateral opportunities presented by a potential borrower Ask relevant questions to better assess the potential value of collateral during underwriting to offset future potential problems Recognize collateral warning signs that may indicate a higher level of credit risk Recognize common collateral documentation mistakes   Target Audience:  Lenders and credit analysts who are new to lending or those with experience who wish to add to their underwriting skills Read More

Presenter: Richard Hamm, Advantage Consulting & Training This four-part program will be presented live on: October 16, 23, 30 & November 6, 8:30-10:00 a.m. Central Time Recording available through: February 6, 2019 Price: $715   Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios, both performing and non-performing. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts in evaluating commercial real estate cash flow. This program demonstrates (from case studies) the key variables and concepts for determining real estate cash flow, plus primary analytical techniques such as transaction level stress-testing and compiling a global cash flow that includes all of the holding of the investor/owner/guarantor. We cover where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls.   This seminar will address the following: Net operating income (NOI) components and concepts Understanding key variables within NOI: vacancy, management fees, replacement reserves and capital expenditures Understanding cap rates and how they are used to link cash flow to property value Using tax returns and customer rent rolls, plus issues with commercial leases Unique characteristics of the major types of real estate Transaction-level stress-testing of debt service coverage (DSC) and loan-to-value (LTV) How to use a sample worksheet to explore the major issues, including stress-testing Issues faced in the global analysis of the various holdings of the borrower/guarantor Taking the global analysis beyond the face values of guarantees (contingent liabilities analysis) Using the cash flow analysis as part of ongoing loan monitoring, including estimated property values, not in lieu of appraisals, but as a key part of the overall CRE process Brief look at residential rentals and related cash flow and property value issues   Target Audience: 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

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: December 4, 2:00-3:30 p.m. Central Time Recording available through: March 4, 2019 Price: $275   Attend this webinar to review the basics of commercial real estate including types of properties and demand/supply in the current market.   The session will then cover the entire loan process by which a commercial real estate loan is marketed, underwritten, approved, documented, closed, and monitored. The process will include examples of commercial real estate underwriting techniques and loan documentation issues.  Additionally, strategies to handle a problem commercial real estate loan will be addressed.    Objectives Review the basics of commercial real estate including types of properties and demand/supply in the current market Gain an understanding of how banks process commercial real estate loans Learn the steps of marketing, approving, documenting, closing, and monitoring a commercial real estate loan Cover examples of commercial real estate loan underwriting and loan documentation Address problem loan issues   Target Audience: Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers Read More

Presenter: Ann Knutson, First Bank Financial Centre This 90-minute program will be presented live on: January 9, 10:00-11:30 a.m. Central Time Recording available through: April 9, 2019 Price: $275   Research shows that employees who are motivated, appreciated and believe in what they do are individuals who produce better business results and are likely to stay with the company longer than disengaged employees.  But how does an organization offer engagement strategies that appeal to all employees? In this one and one-half hour webinar, you will walk away with several practical strategies on how to engage your employees and measure the impact of your efforts.    Specifically, you will learn: How to evaluate your current workforce environment How to identify factors that increase (and decrease) employee engagement How to create strategies that are important to employees including:  empowerment, development, accountability and rewards and recognition Best practices to engage and retain employees   Target Audience: Human resource officers, supervisors, CEOs Read More

Presented by: Ascensus  This 90-minute program will be presented live on: October 24, 10:00-11:30 a.m. Central Time Recording available through: January 24, 2019 Price: $275   Roth IRAs have been around since 1998, but for various reasons the “general public” is just starting to catch on. Attend this webinar to see why Roth IRAs are becoming so popular and to learn more about this great retirement savings vehicle. Read More

Presented by: Ascensus  This 90-minute program will be presented live on: November 28, 10:00-11:30 a.m. Central Time Recording available through: February 28, 2019 Price: $275   Some financial organizations may be reluctant to implement or develop an HSA program given the uncertainties that still surround these accounts and their place in the tax-qualified savings landscape. This course offers insight into the HSA market—including its growth, the prospects for future growth, and the reasons behind it all. This is the perfect opportunity to tap into the HSA market’s potential for your organization. Read More

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