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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Get these programs together at a discount: Administering and Monitoring Residential Construction Loans - September 28 Analyzing Personal Financial Statements and Loan Applications - November 23 Overview of Credit History and the Role of Collateral - November 30 Overview of Residential Mortgages and Home Equity Lending - December 7 Read More

Bundle created specifically for F&M Bank & Trust in Burlington, IA.  Five (5) Richard Hamm Lending Library courses. Read More

Get these programs together at a discount (normally $1,320 if purchased individually): Advanced Personal Cash Flow Issues, Including Capital Gains - March 8 Focus on Global Cash Flow as an Underwriting Tool for Businesses and Owners - March 1 Focus on Pass-Through Entities and Schedule K-1s - February 22 Focus on Sole Proprietorships, Rental Property and Farms - February 15 Read More

Presented by: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: March 16, 10:00-11:30 a.m. Central Time Recording available through: June 16, 2022 Price: $330 This program will explore multiple models of both business and personal (business owner) cash flow analyses. The session will begin with the business traditional EBITDA cash flow and personal cash flow of the business owner (using the 1040 tax return, including tax schedules and K-1s, and the personal financial statement). Additionally, the Global Cash Flow or combined business & personal cash flow model will be displayed. This will be followed by the Statement of Cash Flows (using the Direct and Indirect Methods), as prepared by the CPA, the UCA Cash Flow (using the Moody’s software spreadsheet), Cash Basis Cash Flow, Fixed-Charge Coverage (FCC), and Free Cash Flow (FCF). Various cash flow projections and sensitivity analyses will also be explored. The webinar will then conclude with commercial real estate (CRE) cash flow analysis and other related real estate investment cash flow models.  Topics to be covered include: Business (EBITDA) & personal cash flow analyses Global cash flow: combining the business and personal cash flows Statement of cash flows, UCA cash flow, cash basis cash flow, fixed-charge coverage, and free cash flow Cash flow projections and sensitivity analysis CRE cash flow analysis including investment models Target Audience: Commercial lenders, commercial relationship managers, credit analysts, loan administrators Read More

Presenter: Joe Micallef, Grow Up Sales Consulting This 90-minute program will be presented live on: April 18, 1:30-3:00 p.m.  Central Time Recording available through: July 18, 2022 Price: $330 Most customers prefer single service providers for all their important needs and challenges. However when it comes to their finance needs, very few banks are effective at presenting themselves as a single service provider and struggle to coordinate wholistic solutions. Banks ideally would like to be a “one stop shop” for their customers but fail to properly engage their staff and their customers. The easiest way to grow your Bank is by offering more valuable solutions to your existing customers and improving collaboration between departments. At the conclusion of this session participants will understand how to explore their customers broader needs, offer more valuable solutions and create highly effective market teams across the bank. Target Audience: All employee involved in the customer service areas of the bank Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: May 17, 10:30 a.m. - 12:00 p.m. Central Time Recording available through: August 17, 2022 Price: $330 Working capital is misunderstood by many borrowers and bankers alike.  This program provides the analytical tools (with case examples) to understand how the working capital cycle affects the borrowing needs of a business in terms of a line of credit, and how the dollar size of the line of credit is related to this cycle. Equally important is to understand how equipment finance needs arise, and how to use financial statements or tax returns to determine historical patterns of capital expenditures and related long-term financing, plus gaps between purchases and financing.  This allows the lender or analyst to position your bank to be proactive in helping customers optimize or maximize equipment financing, while minimizing its draining effect on working capital via small purchases (not financed) and down payments. Topics covered include: How visualize the working capital cycles, plus a simple chart to use Related line of credit size to working capital needs and basic cash flow Areas of caution when using accounts receivable and inventory as collateral Overview of equipment financing (loan or lease) industries that tend to have stronger equipment financing needs Overview of equipment loan vs. lease considerations Capitalized leases vs. operating leases and upcoming FASB changes, with case example of how to capitalize an operating lease for analytical purposes Issues with equipment as collateral Target Audience: Commercial and business lenders, credit analysts, community bankers, private bankers and portfolio managers; plus, loan review and examination specialists, and credit officers involved evaluating or approving equipment financing Read More

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