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, Advantage Consulting and Training This 90-minute program will be presented live on: December 15, 8:30-10:00 a.m. Central Time Recording available through: March 15, 2021 Price: $275 This program covers how to calculate and analyze the basic set of financial statement (or tax return) ratios for operating businesses.  Preliminary steps (covered in related programs) include understanding the types of financial statements and level of accountant involvement, distinguishing between cash and accrual accounting methods, and the unique format and features of business tax returns.  We now turn to the four primary sets of ratios: (1) liquidity, (2) leverage, (3) profitability, (4) efficiency, and (5) debt coverage.  Using a comprehensive case, calculations are demonstrated, as wells as major issues, strengths and limitations of the various ratios.  Participants will work from a ratios reference guide that is intended to be a resource for future statement spreading. Topics to be covered include: Basic guidelines for classifying and spreading the data Identify the key components of a balance sheet Calculate liquidity and leverage ratios for an example business and interpret the results Identify situations with positive or negative working capital Describe common-sizing of the balance sheet Identify the key components of an income statement Calculate profitability and traditional cash flow measures for an example business and interpret the results Calculate efficiency and debt coverage ratios for an example business and interpret the results Explain the use of industry and comparative data within financial analysis Target Audience:  Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, consumer lenders, branch managers that lend to business owners, private bankers, special assets officers, loan review specialists and others involved in business and commercial lending   Related GSB Online Programs: Business Financial Statements & Tax Returns: Financial Statement Components, Structures and Levels of Accountant Involvement Business Financial Statements & Tax Returns: Cash vs. Accrual Accounting Refresher Business Financial Statements & Tax Returns: Creating a Business Tax Return and Comparing/Mapping it to a Conventional Financial Statement Read More

Get these programs together at a discount: Commercial Lending: Loan Structuring Basics, Including Terminology and Four Key Factors      Live on November 24 recording available through February 24, 2021 Commercial Lending: Best Practices for Structuring and Underwriting Lines of Credit, Bridge Loans, Term Loans and Seasonal Credits      Live on December 1 recording available through March 2, 2021 Commercial Lending: Loan Agreements and Covenants      Live on December 8, recording available through March 8, 2021 Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 15, 10:30 a.m. -12:00  p.m. Central Time Recording available through: March 15, 2021 Price: $275 It has been said that nothing exposes the intellectual abilities of a loan officer like a credit write-up, because writing is a reflection of thinking.  And not just for loan officers, but for credit analysts, portfolio managers and others that deal with business and commercial loans. Many facets of lending are difficult to explain, especially when put into writing.  This program is centered around basic writing principles, but applied to lending.  It explores the process using five Ps.  Within the thought process and planning, there are two Ps: (1) Purpose and (2) preparation.  Within “getting it done” there are three more Ps: (3) Putting it all together, (4) Polish and (5) Pizzazz: Purpose Identifying what you want the reader to do Determining your (almost always) multiple audiences Preparation Recognizing the eight qualities of effective writing Communicating efficiently using “cover pages” Determining what supporting evidence is needed in the memorandum Finding the best format Putting it all together Identifying the unique issues in communicating data and quantitative information Outlining prior to drafting Data tables are not analysis Polish Before and after example Using white space and formatting conventions Lender liability issues Pizzazz Getting the reader’s attention Making sure that the reader does not miss key points Every package tells a story Target Audience:  Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, consumer lenders, branch managers that lend to business owners, private bankers, special assets officers, loan review specialists and others involved in business and commercial lending Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 15, 1:00-2:30  p.m. Central Time Recording available through: March 15, 2021 Price: $275 With intense competition to capture loans, now more than ever it is important to have a strategic approach to loan pricing.  This includes adequately covering your bank's costs and meeting profit objectives.  It also includes differentiating loan interest rates to reflect relative risk, plus knowing that you CAN win the borrower's business on a basis other than the lowest price.  So, improving your banks loan pricing and profitability has three key steps: Understanding how your bank’s financial structure and performance creates advantages and disadvantages.  It all starts with the loan-to-deposit ratio, then extends to the various metrics that drive calculating the profitability of loans, in terms of return on equity (ROE). Knowing these key variables, the next element is scouting the competition. Uncertain times bring confusion to a competitive market.  We’ll cover several ways to do this.  No more complaining that the competition did something foolish, because usually they did not. Sharpening your bidding skills comes next.  Most pricing situations effectively are bid situations, whether you know it or not.  We’ll cover several strategies to use.  Topics to be covered include: The key variables that determine loan profitability, plus a simple calculation example Using each variable to uncover possible advantages and disadvantages your bank may encounter with your competitors Understanding that it is not a “level playing field” when you compare to non-bank competitors Obtaining premiums (yes, you can) Options, options, options are your friend Being proactive Keeping the economic cycle in mind Target Audience:  Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, consumer lenders, branch managers that lend to business owners, private bankers, special assets officers, loan review specialists and others involved in business and commercial lending Read More

Presenters:   Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 8, 10:30 a.m. - 12:00 p.m. Central Time Recording available through: March 8, 2021 Price: $275 Do you know the difference between an affirmative covenant and a negative covenant?  What is the concept of constructive forbearance?  Commercial lenders actively use loan agreements in almost all lending situations, ever since digital document systems eliminated the time-consuming effort to create loan document from scratch of from manual templates.  Unfortunately, this automation has led to less understanding of the content of loan agreements and the “art” of crafting financial covenants. This program covers the basics of loan agreements, starting with the typical structure of the document and the roles of financial and non-financial covenants (some covenants achieve more than one objective).  Together with carful loan structuring, a properly crafted loan agreement better matches the customer’s needs and contributes to the efficiency of the lender’s portfolio. This seminar provides bankers with a working knowledge of the basic principles of loan agreements, including: Understanding the primary sections and goals of a loan agreement Identifying the objectives of loan covenants and how some covenants achieve more than one objective Digging deeper into events of default and remedies and how they determine your possible courses of action when problems arise Reviewing practical tips for setting covenants, such as aligning them with key risks identified in the credit Identifying some commonly negotiated areas and related positions/options for the bank 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

Get these programs together at a discount: Commercial Real Estate Appraisals: Overview of Rules/Guidelines & the Review Process      Live on October 20, recording available through January 20, 2021 Commercial Real Estate Appraisals: Approaches to Value De-Mystified      Live on October 27, recording available through January 27, 2021 Commercial Real Estate Appraisals: Key Appraisal Components Beyond the Approaches to Value       Live on November 3, recording available through February 3, 2021​​ Commercial Real Estate Appraisals: Overview of Evaluations, Validations of Existing Appraisals and Third Party Review      Live on November 10, recording available through February 10, 2021 Read More

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