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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Presenter: Richard Hamm This 90-minute program will be presented live on: March 17, 1:00-2:30 p.m. Central Time Recording available through: June 17, 2020 Price: $275   Global cash flow has become a key component of business and commercial underwriting where personal guarantees of the owners are involved, or direct borrowing is by an individual for a sole proprietorship, rental property or farm. This program reviews most common approaches used by bankers, plus some of the analytical and conceptualize issues encountered. For instance, when comparing global cash flow to the combination of business and personal debt, how does your bank’s approach treat business debt service where the individual is a minority owner of the business? What changes when the minority owner guarantees at a higher percentage than his or her ownership percentage? Why do you need to have personal taxes and living expenses in the model (or adjust the debt-service-coverage target higher if no personal taxes and living expenses are being included)? How do you define the business cash flow? At what point should global cash flow cease being a primary underwriting tool and shift to a secondary role (become more of a global analysis)?   Specific subjects that will be covered during the seminar: Versions of GCF being used by bankers and regulatory comments on global analysis Analytical and conceptual issues:          -Mixing two approaches to debt coverage          -Giving credit for business earnings or amount distributed          -Using averages for debt coverage ratios          -Selecting a measure of business cash flow          -Incorporating business debt service When to recognize that the business itself or a real estate project should stand on its own, a global cash flow “can’t make a bad loan good,” and you should shift to more of a global analysis involving an assessment of contingent liabilities of the owner(s) 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   Related GSB Online programs/topics: Personal Tax Returns and Cash Flow: Focus on the Individual, Sole Proprietorships, Rental Property and Farms Personal Tax Returns and Cash Flow: Focus on Business Owners and/or Self-Employed with Pass-Through income from Schedule K-1s Advanced Personal and Global Cash Flow Issues: Capital Gains (Losses), Recurring and Non-Recurring Items, Loss Carryforwards and Others Read More

Presenter:   Patty Wise, Spengler & Nathanson, P.L.L. This 60-minute program will be presented live on: March 19, 2:00-3:00 p.m. Central Time Recording available through: June 19, 2020 Price: $179   We’re all aware of the concern around the coronavirus – and the common-sense recommendations by public health officials around hand washing and staying home when sick that are as ubiquitous as they are important. Certainly, with increased testing nationwide, the number of confirmed cases will continue to rise. What does this mean for your bank?   Are you as prepared as possible to protect your bank from the employment law issues that surround the coronavirus? Join this program to learn: What rights do employees have?  What rights to employers have? How do OSHA, FMLA, FLSA and ADA/ADAAA and Title VII apply to the situation?  What other legal issues could your bank face as a result of COVID-19?   This timely “hot topic” GSB online seminar will provide practical advice to address employment law concerns related to the coronavirus. Don’t wait – register today to ensure you’re as prepared as possible to deal with this evolving situation.   Target Audience:  Any team member involved in employment law issues.   Read More

Presenter:   David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: May 19, 10:00-11:30 a.m. Central Time Recording available through: August 19, 2020 Price: $275   Attend this seminar to learn how to better manage problem loans and protect the rights of the bank in today’s market!   The seminar will begin with a review of the basics of how a commercial loan request should be processed in today’s market i.e. avoiding problem loans. This will include a brief review of correct business structure, the six elements of proper loan structure, and the four aspects of adequate loan support.   The seminar will then focus on what happens when a good loan turns into a bad loan i.e. the market has now turned down, tenants have left, and the payments are severely delinquent. What should the bank do and not do at this point in time?   This question will be answered by addressing the legal rights of the bank and the practical steps that the bank should take in order to protect itself. This will include the collection process, restructuring the loan, and/or proceeding against the borrower through repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or simply walking away. This section will also include the outside influence from the banking regulators.    The seminar concepts will be summarized through case studie.   Program Topics: Review the management of problem loans Process a commercial loan in today’s market-correct business structure, loan structure, and loan support Face the reality that some loans go bad Determine the bank’s strategy in protecting itself-collections, restructuring the loan, repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or walking away Assess outside influence by the banking regulators Apply the concepts through case studies   Target Audience:  Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers Read More

Presenters:   Peter J. Wilder, Godfrey & Kahn, S.C., Patrick S. Murphy, Godfrey & Kahn, S.C. This 60-minute program will be presented live on: April 28, 10:00 a.m. - 11:00 a.m. Central Time Recording available through: July 28, 2020 Price: $179 After more than a decade of recovery and expansion since the Great Recession, it is inevitable that the United States is heading into a recession – if it is not already in one.  The severity and duration of the emerging economic downturn is unknown and will depend at least in part on the success of the recently-passed CARES Act, as well as the Federal Reserve’s recent efforts to address the fiscal impact of COVID-19.  Rather than taking a “wait and see” approach, what strategic priorities can your board of directors and executive management focus on now in anticipation of what could become a prolonged recessionary environment? Join this program to learn: What does recent stock market volatility for publicly traded institutions tell us? What lessons from the Great Recession may be helpful now? What impact could the current environment have on director and officer liability? What practical action items can save the bank time, money, and regulatory burden? What “opportunities” may exist in the current environment to help weather the storm? This timely “hot topic” GSB online seminar will provide thoughtful topics for your board and executive management team to consider at your next meeting. Don’t wait – register today. Target Audience:  Board of Directors and executive management.   Read More

Presenter: Ann Knutson, First Bank Financial Centre This 90-minute program will be presented live on: February 27, 10:00-11:30 a.m. Central Time Recording available through: May 27, 2019 Price: $275   On-boarding is a prime opportunity for employers to win the hearts and minds of new employees.  The old adage still holds true: "You never get a second chance to make a first impression." So give some thought to what kind of first impression you want new hires to have of the organization. But if you truly want to design an onboarding program that drives retention and performance, the new employee orientation is simply the first step in a longer journey.  Studies show that organizations that offer new employees a strong onboarding process improve retention by 82% and improve productivity by over 70%. A structured onboarding process shows employees that you’re excited that they’re there. Onboarding is different than training. Every new employee that is brought into an organization will need to be trained to be effective. But onboarding is a greater concept that encompasses training. Onboarding is the entire experience for your new employee for their first 30 to 90 days at the organization. The first six months is like the honeymoon period of a new job. It is crucial for employers to take advantage of the power of the first six months to turn new hires into long-term valuable employees. That’s why onboarding is important. In this webinar your will learn: Costs of not having a formal onboarding program. The best new hire welcome practices for your company. Making a business case for your onboarding program. Developing, implementing and measuring your onboarding program. Tactics for welcoming Millennials (and more senior hires too!)   Target Audience: Human resource officers, supervisors, CEOs Read More

Presenter: Jon Waldman, SBS CyberSecurity This 90-minute program will be presented live on: June 4, 10:00-11:30 a.m. Central Time Recording available through: September 4, 2020 Price: $199   On April 30, 2020, the Federal Financial Institutions Examination Council (FFIEC) issued a Joint Statement titled “Security in a Cloud Computing Environment.” This new Cloud Security joint statement provided a much-needed and modern update to the 2012 Outsourced Cloud Computing Guidance. The 2020 Cloud Security guidance expands upon the basic key elements from the 2012 guidance to provide a better understanding of due diligence and sound management practices over cloud service provider relationships. The Statement categorizes risk management practices into the following sections: Governance Cloud Security Management Change Management Resilience and Recovery Audit and Controls Assessment In this session, we'll discuss the major takeaways from this updated Cloud Security guidance, as well as considerations for banks to update their cloud security controls.  Target Audience:  Information Security Officer, IT Manager, Risk Officer, Internal Auditor, and Executives looking to understand more about the proposed changes Read More

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