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: Greyson Tuck, Gerrish Smith Tuck, Consultants and Attorneys This 60-minute program will be presented live on: November 10, 10:00-11:00 a.m. Central Time Recording available through: February 10, 2022 Price: $225 This webinar will explore the fundamental strategies for remaining an independent community bank in a consolidating environment. Learn about the necessity of being proactive, setting forth a strategy of independence, focusing on core profitability, ensuring your bank has the optimal organizational structure, appropriately dealing with management and board succession, and other issues. This fast-paced session will present the tools your bank needs to plan and prepare for independence in the future. Target Audience: Executive officers and their teams Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: December 7, 8:30-10:00 a.m. Central Time Recording available through: March 7, 2022 Price: $275 This program unlocks the key issues in analyzing business tax returns by creating a business tax return from a conventional financial statement.  This shows the major formatting differences and ways balance sheet accounts and income statement items are labeled differently in a tax return.  It also reveals the functions of the various schedules.  By using a pass-through entity, we further see how the tax return carefully segregates items that move to an owner’s personal tax return via the Schedule K-1.  A final step is creating a chart that “maps” a financial statement to both pass-through entities and a regular corporation. After this seminar, attendees will be able to: For an example business (case), construct a tax return balance sheet (Schedule L), income statement, Schedule M-1 and Schedule M-2 on the cash basis Identify key formatting differences between a conventional financial statement and a tax return Describe how pass-through entity tax returns separate various income statement items for purposes of allocating them to the owner(s) personal tax returns On the Schedule K-1, identify the pass-through items that involve cash, compared to pass-through items that do not involve cash Describe the common relationship between pass-through income and distributions to the owner(s) Create a chart to compare and align financial statement components to the appropriate tax return schedules 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:   Nan Gesche, University of Minnesota This 90-minute program will be presented live on: March 10, 2:00-3:30 p.m. Central Time Recording available through: June 10, 2021 Price: $275   Haggling isn’t negotiating. Negotiating is trying to find creative ways to satisfy the different interests of those involved rather than just split the difference. The goal is to manage our emotions and the tension between building deals that satisfy both parties’ interests, while maintaining a healthy working relationship. If you want a few tips on how to make smarter moves and set the stage for more productive interactions, join us for this session. You will gain techniques to keep you focused on the end game while resisting old behaviors such as threats or demands.   Target Audience:Any individual wanting to further their communication skills Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: November 30, 1:00-2:30 p.m. Central Time Recording available through: February 28, 2022 Price: $275 Determining recurring and sustainable income and cash flow are the important first step in consumer lending.  Equally important are the applicant’s credit history and the collateral that will serve as a secondary source of repayment.  This seminar is a practical guide to credit bureau reports, issues with collateral, and a brief overview of the regulatory, compliance and fair lending environment.  Because of the automated nature of much consumer lending, we’ll focus on recognizing exceptions to established policies and practices, and how to properly mitigate these risks, plus when it makes sense to ask for a policy waiver. This program will address: Myths and realities of credit bureau reports Getting beyond weak excuses applicants give you for items of poor credit history Regulatory publications that consumers can use to improve their credit Framework for dealing with applicants with prior poor credit, even bankruptcy Credit policy exceptions are serious business, and your reasons for granting an exception are equally serious Overview of basic consume collateral Other factors that can mitigate risks in the “big three” of debt-to-income, loan-to-value and credit history Overview of the regulatory, compliance and fair lending environment Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: October 26, 10:30 a.m.-12:00 p.m. Central Time Recording available through: January 26, 2022 Price: $275 An important part of the commercial real estate (CRE) lending process is to establish the value of the collateral, and in many cases, the value does not need to come from a new appraisal. This program reviews  these options that have been in place since the initial set of interagency appraisal guidelines in 1994. These options typically involve work internally by bankers. At the other end of the spectrum, some projects are very risky or the dollar amount warrants a review of the valuation by third-party appraiser. How does that work and what can bankers learn from the review appraiser’s approach? Specific subjects that will be covered during the seminar: General situations where an appraisal is not required (exemptions) Options for determining value when the loan is exempt from requiring a new appraisal Situations where portfolio or market conditions might warrant a new appraisal, even in an exempt situation Regulatory requirements for internal evaluations and a sample form Key components in validating an existing appraisal and a sample form Two situations that make a validation a difficult option Types or levels of reviews: Administrative/compliance, technical, and third party Practical suggestions for setting loan-size limits to trigger the levels of review Sample comments from a review by a third-party appraiser, and how these observations often differ from typical banker review points – what can bankers learn from the third-party approach? Practical issues with finding appraisers to do reviews and/or appraisal management companies (AMCs) What is Uniform Standards of Professional Appraisal Practice (USPAP) Standards Rule 3? Review outcomes, and ideas on when and how to request revisions or corrections to the report 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: December 7, 1:00-2:30 p.m. Central Time Recording available through: March 7, 2022 Price: $275 For many consumers, their residential first mortgage is the largest debt obligation.  So, even if you are making other types of consumer loans, it is important to understand mortgages – how they work, typical structures, and their impact on the credit profile of your borrower.  This program provides an overview of the entire mortgage process, including home equity lending.  We’ll look at the business aspects of mortgages for banks, current trends in products offered, plus recent regulatory issues – most of which arose from the severe downturn in housing in 2008-2010. This webinar will address: Update on residential first mortgage products and housing in general The roster of various players and participants in the mortgage process, including the government sponsored entities (GSEs) The evolution of bank involvement and current practices (originate to keep, originate to sell, using a correspondent relationship and others) Customer goals and process differences with purchase mortgages versus refinancing Overview of formal underwriting steps Single closing products or construction/permanent combined loans Evolution and current trends in home equity lending Example underwriting for home equity line of credit (HELOC) Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers Read More

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