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.

Learn more »

Upcoming Sessions

See All Upcoming Sessions

Presenter: Marcia Malzahn, Malzahn Strategic This 90-minute program will be presented live on: September 23, 2:00-3:30 p.m. Central Time  Recording available through: December 23, 2021 Price: $275 Are you creating your first ERM Program for your bank? Do you want to ensure your current program is complete yet keep it simple? If yes to either question, this webinar is for you! Risk Management is at the heart of banking and every bank has to have processes, policies, and procedures in place in order to assess and manage the risks on their balance sheet. Marci shares the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into the bank’s Strategic Plan. Having built an ERM program for a community bank from scratch, Marci describes the various components of a strong ERM program. In this educational session, you will learn how to put your program together using all the parts you already have in your bank. Marci shares how you can make the process fun and how your team will become closer as they work together with the common goal of protecting the bank’s assets while fulfilling your bank’s vision. Topics Covered: ERM general background and key definitions How implementing an ERM Program can help financial institutions survive and thrive Identifying the specific building blocks/components of a simple yet complete ERM Program The three key ongoing Phases of ERM: Identifying and Assessing Risk Mitigating and Eliminating Risk Monitoring and Reporting Risk Creating an ERM Committee Charter and choosing the right ERM Committee members Integrating the ERM program into your strategic plan How COVID-19 impacted all risk categories Top risk categories and definitions ERM Risk Assessment Matrix – definitions and example Creating the Risk Management Appetite and Tolerance Statement Implementing your ERM program and benefits ERM program flowchart Target Audience:  Chief risk officers, risk managers, chief credit officers, chief financial officers, compliance officers, internal auditors, board directors who want to learn more about ERM, bank presidents involved in the risk management process and their ERM program Read More

Presenter: Tom Hershberger, Cross Financial This 90-minute program will be presented live on: September 23, 2:00-3:30 p.m. Central Time Recording available through: December 23, 2021 Price: $275 This session is directed to middle and senior managers and focuses on the importance of leading a culture that intentionally manages the desired customer experience. Customer interactions previously limited to managing quality interactions on the telephone or at a branch are expanding to include all transactions, touch points, communications and technologies that deliver service and information to customers. Organizations that excel at managing the entire customer journey will successfully capture more relationships with targeted generations and market segments. Learn how to take a strategic approach to delivering your desired customer experience. Target Audience: Senior and middle managers, branch managers, supervisors Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: September 28, 1:00-2:30 p.m. Central Time Recording available through: December 28, 2021 Price: $275 This seminar covers common versions of global cash flow (GCF) analysis being used by bankers, with a focus on GCF as part of the underwriting process in most medium- to smaller-sized businesses and self-employed lending situations.  Beyond the basic calculations involved in combining business and personal cash flow, a major issue is how balance sheet changes affect business cash flow, and should business cash flow be broader than earnings before interest, depreciation and amortization (EBITDA)?  What about personal balance sheet changes? We complete the cash flow part of the global analysis by reviewing an optional and simplified approach for integrating the cash flow effects of business and personal balance sheet changes. Another issue is how to assess the borrower’s other business holdings, including commercial real estate (CRE).  In many instances, the magnitude of guarantees (contingent liabilities) related to other businesses are much larger than the global cash flow that has been calculated.  What are some best practices for moving beyond cash flow to making this global, “portfolio” assessment?  Topics to be covered include: Regulatory concept of global analysis Analytical and conceptual issues: Incorporating business balance sheet changes Effect of loss carryforwards in a business tax return GCF and the larger, global analysis of business and CRE owners/guarantors and related contingent liabilities Some tax return basics/issues along the way When to recognize that the business itself or a real estate project should stand on its own, and a global cash flow “can’t make a bad loan good.” 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 Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: October 19, 1:00-2:30 p.m. Central Time Recording available through: January 19, 2022 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 Read More

Presenter: Dan Dwyer, Dwyer Capital Strategies, LLC This two-part program will be presented live on: October 12 & 13, 2:00-3:30 p.m. Central Time Recording available through: January 12, 2021 Price: $545   Recent events have certainly put a new focus on interest rates.  This unpresented volatility reminds us that interest rate risk management in not just a trivial exercise, but a critical endeavor to the ongoing safety and security of an organization’s capital Interest rate derivative solutions (Swaps/Caps/Floors) have become a valuable tool for many financial institutions when managing interest rate risk.  These tools allow for customized solutions that can minimize interest rate risk, and in many instances provide additive margin.  The class will explore the interest rate swaps and options market from a very basic and applied management perspective.  We will look at how these tools can and should be utilized to properly price various assets and liabilities to meet management’s objectives and expectations in this new rate environment.  Additionally, with the imminent dissolution of Libor (scheduled for 2021) we will discuss potential replacement indices and provide an update as to the progress of the initiative. From locking in a maximum rate paid on capital and funding structures, to effective pricing of fixed rate loans, the proper application of these interest rate management tools will allow you to tailor interest rate characteristics throughout the balance sheet that will minimize your interest rate risk and maximize interest margins. Target Audience:  Senior level managers with A/L management background, ALCO committee members, senior level lenders Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: October 26, 10:00-11:30 a.m. Central Time Recording available through: January 26, 2022 Price: $275   This program will cover the basics of how to craft an effective commercial loan write-up.  The session will begin with a brief overview of loan write-ups or credit memorandums including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation). The financial analysis section will highlight liquidity, activity, leverage, operating performance, and cash flow analysis. The session will also cover additional important loan write-up items including assessing the company’s strategic plan- marketing, financing, and management.  Two standard commercial loan write-ups will be presented in order to illustrate the concepts. Program Objectives: Review effective commercial loan write-ups Discuss types, styles, and components parts Cover the financial analysis section Assess the company’s strategic plan Summarize the concepts by reviewing two loan write-ups Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers Read More

Shopping Cart

Your cart is empty