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: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: April 13, 1:00-2:30 p.m. Central Time Recording available through: July 13, 2021 Price: $275   Determining recurring and sustainable income and cash flow are the important first step in consumer lending.  Equally important are the applicant’s credit history and the collateral that will serve as a secondary source of repayment.  This seminar is a practical guide to credit bureau reports, issues with collateral, and a brief overview of the regulatory, compliance and fair lending environment.  Because of the automated nature of much consumer lending, we’ll focus on recognizing exceptions to established policies and practices, and how to properly mitigate these risks, plus when it makes sense to ask for a policy waiver.   This program will address: Myths and realities of credit bureau reports Getting beyond weak excuses applicants give you for items of poor credit history Regulatory publications that consumers can use to improve their credit Framework for dealing with applicants with prior poor credit, even bankruptcy Credit policy exceptions are serious business, and your reasons for granting an exception are equally serious Overview of basic consume collateral Other factors that can mitigate risks in the “big three” of debt-to-income, loan-to-value and credit history Overview of the regulatory, compliance and fair lending environment   Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: March 23, 10:30 a.m.-12:00 p.m. Central Time Recording available through: June 23, 2021 Price: $275   An important part of the commercial real estate (CRE) lending process is to establish the value of the collateral, and in many cases, the value does not need to come from a new appraisal. This program reviews  these options that have been in place since the initial set of interagency appraisal guidelines in 1994. These options typically involve work internally by bankers. At the other end of the spectrum, some projects are very risky or the dollar amount warrants a review of the valuation by third-party appraiser. How does that work and what can bankers learn from the review appraiser’s approach?   Specific subjects that will be covered during the seminar: General situations where an appraisal is not required (exemptions) Options for determining value when the loan is exempt from requiring a new appraisal Situations where portfolio or market conditions might warrant a new appraisal, even in an exempt situation Regulatory requirements for internal evaluations and a sample form Key components in validating an existing appraisal and a sample form Two situations that make a validation a difficult option Types or levels of reviews: Administrative/compliance, technical, and third party Practical suggestions for setting loan-size limits to trigger the levels of review Sample comments from a review by a third-party appraiser, and how these observations often differ from typical banker review points – what can bankers learn from the third-party approach? Practical issues with finding appraisers to do reviews and/or appraisal management companies (AMCs) What is Uniform Standards of Professional Appraisal Practice (USPAP) Standards Rule 3? Review outcomes, and ideas on when and how to request revisions or corrections to the report   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: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: April 20, 1:00-2:30 p.m. Central Time Recording available through: July 20, 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 Read More

Get these programs together at a discount: Focus on Sole Proprietorships, Rental Property and Farms - March 2 Focus on Pass-Through Entities and Schedule K-1s - March 9 Focus on Global Cash Flow as an Underwriting Tool for Business Owners - March 16 Advanced Personal Cash Flow Issues, Including Capital Gains - March 23 Read More

Presenter:  Eric Chase, SBS CyberSecurity, LLC This 90-minute program will be presented live on: March 26, 10:00-11:30 a.m. Central Time Recording available through: June 26, 2021 Price: $275   The 2019 Verizon Data Breach Investigations Report suggests 96% of breaches involve phishing emails. In 2018 the report suggested that 78% of employees can go a whole year without clicking on a phishing email, but that 4% of employees will click on everyone one. With hundreds of thousands of people working in financial institutions around the country, we have a high potential level of risk. Cybercriminals have also weaponized tools into phishing emails that can compromise our systems and takeover control. Phishing campaigns have been automated and are distributed as a service “crime-as-a-service” to other cybercriminals looking for repeatable processes to conduct mass scale phishing campaigns. Considering the high probability of people to fall victim and the damaging destruction phishing can cause, it positions phishing as a digital weapon of mass destruction.   This discussion will highlight the advancements in cybercrime and social engineering that are targeting our people resources. Best practices will be discussed for processes necessary to improve the weakest links in our institutions. With a reliable process, we can measure the level of risk and implement effective risk mitigating controls.   This presentation will cover the following areas/topics: Trends in Cyber Security Attacks Social Engineering – what you need to know Latest Phishing Scams Logical controls to reduce risk around people Creating positive cybersecurity culture Deploying continual and ongoing educational programs Unique ideas on educating people Automated phishing tests   Target Audience:  information security officer, IT manager, risk officer, internal auditor, and executives looking to understand expectations around business continuity risks.   This program qualifies for the following CPE Credits through the SBS Institute: 1.5 CPEs*: CBBCP, CBSM, CBVM ISC2*: Estimated 1.5 hrs. CISSP.  ISACA*: Estimated 1.5 hrs. CISA/CISM/CRISC. *Self-Reporting Read More

Presenter: Philip Smith, Gerrish Smith Tuck, Consultants and Attorneys This 60-minute program will be presented live on: March 4, 10:00-11:00 a.m. Recording available through: June 4, 2021 Price: $225   All banks are thinking about the current M&A market.  Some banks are looking to be buyers, others to be sellers and others are thinking about it simply from the standpoint of how to position their bank not to be caught up in the hysteria and to simply focus on shareholder value.  This webinar looks at all three angles and takes a strategic approach toward the types of questions the Board and senior management should be asking in light of the current M&A market.  This webinar points out the mistakes many organizations make such as not considering alternatives to acquisitions, assuming that their institution has to maintain some minimal asset size to survive, or not asking the right strategic questions to position themselves to avoid an unwanted takeover or to simply remain independent.  This webinar will arm the attendees with the appropriate tools to appropriately lead their organization regardless of the strategic path chosen.  Target Audience: Board of Directors, CEOs and senior management Read More

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