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: Jim Lethert, Attorney This 90-minute program will be presented live on: February 26, 10:00-11:30 a.m. Central Time  Recording available through: May 26, 2019 Price: $275   Basic estate planning is something that most people don’t like to think about.  However, a well-informed banker should be aware of the basic essentials to be able to assist customers going through an estate settlement.   In addition, it’s something everyone should know and attend to personally.   Topics to be covered include: The KEY component which controls all other aspects of estate planning Beneficiary designations examples  Probate When is a will effective Who has access to DDA funds Existing durable powers of attorney Estate taxes Good record keeping Variations on distributing tangible property, heirloom and sentimental assets   Target Audience: Trust department personnel, personal bankers with front-line customer contact, and anyone interested in learning more about estate planning Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: March 6, 10:00-11:30 a.m. Central Time Recording available through: June 6, 2019 Price: $275   Attend this proactive webinar and gain an understanding of the often complex and confusing topic of TAXES!   Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this webinar will concentrate on personal tax return analysis while the second part will focus on the analysis of various business tax returns.   The objectives of the first part of the webinar consist of the following: Review the basic structure of the personal 1040 federal tax return (including the various schedules and K-1 forms) Use analysis techniques to prepare a personal cash flow from information gleaned from the 1040 and the related schedules Discuss updates in the current tax code and how they affect the bank’s clients Describe how the 1040 tax return can be used to market the bank’s products and services   The half of the program will cover: Discuss the structure of a C corporation, S corporation, and Partnership (including LLC) tax return Analyze business tax returns and prepare cash flows for these entities Draw additional information from the business returns including identifying fraudulent tax returns, Discuss updates in the current tax code as they apply to businesses   Target Audience: Commercial lenders, credit analysts, consumer lenders, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers Read More

Presenter: Richard Hamm, Advantage Consulting & Training This three-part program will be presented live on: April 9, 16 & 23, 10:30 a.m.-12:00 p.m. Central Time Recording available through: July 23, 2019 Price: $555   The Uniform Credit Analysis (UCA) cash flow model is an important analytical tool provided as output from business financial statement “spreading” software used for commercial and industrial (C&I) loans.  This seminar demonstrates how the UCA model is derived and compares it to the Statement of Cash Flows (SCF) prepared by accountants.  From “hands on” case studies, the participants will learn how to calculate both the UCA and SCF formats, plus how to use them to evaluate business cash flow in conjunction with traditional ratio analysis.  They will also learn how to utilize portions of the UCA and SCF output within the framework of a global cash flow analysis.   Specific topics to be covered include; Introduction to the UCA model and how it is derived from basic financial statements or tax returns The evolution of SFAS 95 and how the SCF is compiled by accountants The evolution of global cash flow models and two primary applications used by bankers today Compare and contrast the “direct” format (used in UCA) from the “indirect” format (used in SCF) How to calculate and how to use both cash flow models to evaluate business cash flow, with particular focus on assessing operating cash flow consistency and reliability, plus how short-term and long-term financing affect cash flow How cash flow analysis can be integrated into and validate traditional ratio analysis and other underwriting techniques How to utilize portions of the UCA and SCF output within the framework of a global cash flow analysis and avoid potential double-counting of inflows or outflow   Target Audience:  Commercial lenders, credit analysts, small business lenders, private bankers, loan review specialists, lending managers and credit officers Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: May 7, 10:00-11:30 a.m. Central Time  Recording available through: August 7, 2019 Price: $275   This seminar will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure.   The training session will also cover underwriting C&I loans including accounts receivable assessment and the use of a Borrowing Base Certificate (basic and advanced models), the valuation and quality of inventory, and the analysis of various equipment-related issues in lending. This portion of the seminar will also cover the proper evaluation of the borrower’s financial statements.        Additionally, the seminar will cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The seminar will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market.   Objectives:   Review C&I lending Discuss C&I loan products and their typical structure Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing Analyze the Borrowing Base Certificate (BBC) Evaluate the borrower’s financial statements Review the documentation, collateral, pricing, and managing of C&I loans Develop the marketing of C&I loans in today’s economy   Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers Read More

Presenter: Richard Hamm, Advantage Consulting & Training This three-part program will be presented live on: April 9, 16 & 23, 8:30-10:00 a.m. Central Time Recording available through: July 23, 2019 Price: $555   The 2008-2009 downturn in commercial real estate (CRE) has exposed many weaknesses in bank construction lending practices. This was due, in part, to community banks attempting to utilize versions of their residential forms and policies to administer commercial construction loans. Such an approach generally does not adequately control the situation due to the key differences between residential and commercial. This program covers the important steps involved in effectively administering commercial construction loans, including typical forms and common errors to avoid.   Specific topics to be covered during this seminar include:  Differences between residential and commercial construction loans Factors to consider in gauging the level of risk involved in the project/loan Issues with construction contracts, budgets and the interest reserve Five items that determine how you handle a specific loan The type of commercial construction situations (new construction, repair/renovation, etc.) The loan approval and related conditions or contingencies The commitment letter written to the customer Your bank’s policies and procedures The construction loan agreement Other documentation: Surveys, title insurance and bonding Funding controls: Inspections, lien waivers and disbursement methods Completion of the project and stabilization (if applicable) Special issues with owner-occupied loans Four ways to tailor your construction (and other) policies to your actual or planned portfolio   Target Audience:  Commercial lenders, credit analysts, and support staff that deal directly with commercial construction loans; mortgage bankers, private bankers, small business lenders, loan review specialists, special assets officers, lending managers and credit officers indirectly involved in the construction lending process. Read More

Presenter: Richard Hamm, Advantage Consulting & Training This four-part program will be presented live on: February 19, 26, March 5 & 12, 10:30 a.m.-12:00 p.m. Central Time Recording available through: June 12, 2019 Price: $715   An important part of the commercial real estate (CRE) lending process is the review and interpretation of the property appraisal. This program briefly reviews some issues of the entire appraisal process, such as selecting and engaging a qualified appraiser, but focuses primarily on reviewing the report for integration into the overall credit analysis. Fundamental principles and features of appraisals are covered, the December 2010 Interagency Guidelines (regulators may cite Reg. H, Reg. Y, SR 10-16 and others, but all of them ultimately refer back to the 2010 Interagency Guidelines), the October 2019 Frequently Asked Questions (FAQs), as well as the primary analytical techniques such as net, operating income (NOI) and direct capitalization for income-producing properties.   Specific subjects that will be covered during the seminar include: Why you should want to review appraisals (beyond just satisfying regulatory requirements) Multiple types or levels of reviews:  Administrative/compliance, technical, third party and others Practical suggestions for setting loan-size limits to trigger the levels of review Administrative/compliance reviews:  FIRREA and other regulatory issues and a sample review checklist Technical reviews:  Appraiser independence and competence, types of reports by format and the 2006 scope of work rule/changes, details on the approaches to value (cost, income and market sales), plus a sample review checklist Third party review by appraisers:  How appraisers are regulated via USPAP, using USPAP Standard 3 to get a third-party review done and example comments from reviews – comments that will help you improve your reviews How the three approaches to value (income, cost and market/comps) work, plus a case demonstrating the income approach using direct capitalization Review outcomes, and ideas on when and how to request revisions or corrections to the report Guidelines for evaluations in lieu of full appraisals Guidelines for reviewing, validating and using existing appraisals Other issues as required by the December 2010 interagency guidelines and October 2019 FAQs   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

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