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:  Dave Koch, Abrigo This 90-minute program will be presented live on: March 3, 2:00-3:30 p.m. Central Time Recording available through: June 3, 2021 Price: $275   This program builds on the Beginners Guide to ALM session by exploring in more detail the key elements of each risk measurement and how to use measures can be used in assessing different solutions to the trade-offs between earnings, growth, capital and risk.  Specifically we will explore key elements in the analysis like core deposit assumptions on the risk position reported with an eye towards making better management decisions for the health of financial performance metrics of your financial institution This will cover: The role of the ALM process in financial institutions Options to measure risks we care about in the ALM process Measurements do we use to address ALCO risks Participants will leave with: A clear understanding of key risk variables such as non-maturity deposit assumptions, prepayment speeds, market value discount rates, and new offering rates on the risk outputs used to set FI direction. A better understanding of how decisions to mitigate or extend risk positions should be measured for their impact on short and long-term perspectives Target Audience:  CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers.  This session is intended for individuals with a moderate to advanced understanding of the ALM and core deposit study process. Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: March 9, 10:30 a.m.-12:00 p.m. Central Time Recording available through: June 9, 2021 Price: $275   An important part of the commercial real estate (CRE) lending process is the review and interpretation of the property appraisal. This program focuses on the three approaches to value that drive the report. We’ll look at both direct capitalization and discounted cash flow (DCF) for the income approach, including key variables and ways an appraiser’s work may differ from your bank underwriting. The cost approach has benefits to the lending process – benefits that seldom are used. Comparables seem simple, but most bankers do not pose a key question that drives the selection of comps. Finally, some reports develop valuations based on the total enterprise.   Specific subjects that will be covered during the seminar: Key variables in the direct capitalization methodology as an income approach to value Why the appraisers cash flow may not (and probably should not) match your underwriting and subsequent reports or financial statement from your customer The role of “rules of thumb” in direct capitalization Identify situations where discounted cash flow (DCF) is appropriate, with an income-producing property and a residential subdivision as examples Three key aspects of depreciation within the cost approach Two items in the cost approach that can enhance your bank’s underwriting The key question that underpins all other factors with comparables Valuation approaches that include the entire business, not just the bricks and mortar   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 13, 10:30 a.m.-12:00 p.m. Central Time Recording available through: July 13, 2021 Price: $275   Commercial and industrial (C&I) lending has been an area of emphasis as banks seek to grow their loan portfolios during this economic recovery.  Both C&I lending and agricultural lending involve many types of loans and credit facilities.  Equally diverse are the various cash needs of these businesses, such as operating funds, plant expansion or equipment purchases.  Commercial real estate (CRE) lending involves both term loans and construction (a type of bridge loan).   In general, all of these borrowing needs can be grouped into four categories with distinct characteristics.  Can you identify the analytical focus of a seasonal loan or a bridge loan?  Hint:  It is not your traditional financial statement analysis and industry research.   This seminar provides bankers with examples of the basic principles of loan structuring for four basic loan types (seasonal, bridge, term, and line of credit), including: Identifying the loan structures that best match the source(s) of repayment, both primary and secondary Determining the typical cause of borrowing, use of proceeds and analytical focus for each loan type Identifying how strategically setting the loan maturity and other elements helps to make the loan self-policing, increasing lender efficiency and customer service Comparing appropriate reporting and monitoring after the loan is made Reviewing common mistakes and lender errors in the four basic loan types   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:  Rob Newberry & Regan Camp, Abrigo This 90-minute program will be presented live on: March 23, 2:00-3:30 p.m. Central Time Recording available through: June 23, 2021 Price: $275   In this webinar, we will explore current trends across the country for loan workouts and modifications, the overall outlook, and best practices to manage the process at your institution.   Join to learn: Key warning signs of struggling loans and how to take action How to develop and maintain a successful workout process What factors and data points should be included in the overall analysis for potential modification   Target Audience:  CEOs, commercial lenders, credit anaylsts Read More

Presenter:  Aaron Lewis, Young & Associates This 90-minute program will be presented live on: April 28, 2:00-3:30 p.m. Central Time Recording available through: July 28, 2021 Price: $275   The annual or periodic review of loans is generally required and favored across all agencies as part of an institution’s ongoing loan portfolio monitoring practice.  Quality portfolio management includes the periodic assessment of credit risk over the life of a loan, including the adjustment of risk ratings as deemed appropriate based on the evolving level of risk inherent in a credit over time. We answer several frequently asked questions such as:  “Why do we need to perform annual reviews when our regulators have never required us to do so”?  “How do we find the time and staff to complete reviews”?  “We know our customers so well, what purpose would an annual review serve”? A discussion of how annual reviews fit into the continuum of lending risk management from origination to the ALLL. To include several aspects of the annual review process including: Appropriate commercial loan portfolio coverage (parameters to establish meaningful penetration of the institution’s total non-consumer loan portfolio) Identification of loans for review – how to effectively flag relationships to be reviewed by size, risk/collateral category, concentrations, etc. The monitoring and tracking of the universe of loans to be reviewed and methods to maintain a timely review schedule Recommended review contents, i.e. cash flow analysis, collateral value review, site inspections, guarantor financial analysis and credit reports, etc. We will discuss differing approaches to primary sources of repayment, including the importance of a forward looking analysis in projecting sustainable cash flow to service debt. The ongoing monitoring of collateral value, with an emphasis on best practices in the monitoring of commercial real estate. Validating the risk grade.  The ultimate reason for annually reviewing a credit is to assess changes to the credit’s risk profile since the loan was originally underwritten or last reviewed.  All of the above topics will be tied into the use of those conclusions within the institution’s risk grade model to accurately validate or alter the current grade and to establish awareness of weaknesses that are better proactively addressed in order to limit the risk of loss.    Target Audience: This presentation is intended for all personnel involved with the origination, underwriting, portfolio management and approval of non-consumer credits Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: March 9, 8:30-10:00 a.m. Central Time Recording available through: June 9, 2021 Price: $275   Can you identify the factors that cause cap rates to increase or decrease? How can you mitigate the risk posed by properties with short leases and underlying loans with long amortizations (re-lease or rollover risk)? Whether directly financing commercial real estate (CRE) or including CRE income stream(s) in your overall credit analysis of a borrower, it is important to understand key analytical concepts in evaluating CRE beyond the cash flow and debt service coverage (DSC) and loan-to-value (LTV) ratios. This program covers how capitalization (“cap”) rates are derived and their role in the income approach to CRE market value. It demonstrates (from a case study) how bankers can estimate property values as part on ongoing monitoring of CRE loans. We also cover the qualitative or non-financial issues that affect CRE performance, including re-lease and rollover risk.   Specific subjects that will be covered during the seminar: Understanding cap rates and how they are used to link cash flow to property value Using cap rates along with the cash flow 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 Six non-financial or qualitative risks with CRE lending (re-lease and roll-over risk, for example) Other characteristics of CRE that affect ongoing property value   Target Audience: Commercial lenders, credit analysts and small business lenders; consumer lenders, mortgage bankers and private bankers; loan review specialists, special assets officers, lending managers and credit officers Read More

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