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: December 1, 10:00-11:00 a.m.. Central Time Recording available through: March 1, 2021 Price: $225 The current economic crisis has many banks wondering how it is that they may raise additional capital, should it be needed. This webinar will specifically address capital raising alternatives for community banks. The webinar will discuss opportunities to utilize the bank holding company to increase bank capital, as well as opportunities to increase capital through the sale of equity. The webinar should not be missed by any bank that is considering alternatives to increase capital for any strategic reason. Target Audience: Executive officers and their teams Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: November 24, 1:00-2:30  p.m. Central Time Recording available through: February 24, 2021 Price: $275 This seminar is designed to strengthen your ability to analyze personal financial statements and loan applications within a simple, logical and consistent framework.  It provides the tools needed to build an assessment of an individual’s financial strength as a direct borrower, or as a guarantor of a business loan.  This assessment provides the foundation for further cash flow analysis, generally from personal tax returns.  Understanding that many banks use an automated process for consumer lending, this program will help participants understand what is happening in the background. This program will review: Current industry trends  Taking the loan application, getting the needed information, and issues with helping the customer complete the schedules Beyond W-2’s and pay stubs: Tips on how to qualify income and verify employment Personal financial statement (PFS) overview and eight items bankers should look for “Three-step” approach to reviewing and analyzing a PFS in an efficient manner Issues with getting complete and accurate information from the customer The format does matter: Key features of bank-provided formats for a PFS compared to an accountant-prepared PFS, including assets and liabilities, reported income, and contingent liabilities How to calculate adjusted net worth and outside net worth Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers Related GSB Online Programs: Consumer Lending: Beyond the Ratios and into Credit History, Role of Collateral and Other Factors Consumer Lending: Overview of Residential Mortgages and Home Equity Lending Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 1, 1:00-2:30  p.m. Central Time Recording available through: March 1, 2021 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 Related GSB Online Programs: Consumer Lending: Analyzing Personal Financial Statements and Loan Applications, Plus Key Ratios Consumer Lending: Overview of Residential Mortgages and Home Equity Lending Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 8, 1:00-2:30  p.m. Central Time Recording available through: March 8, 2021 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 Related GSB Online Programs: Consumer Lending: Analyzing Personal Financial Statements and Loan Applications, Plus Key Ratios Consumer Lending: Beyond the Ratios and into Credit History, Role of Collateral and Other Factors Read More

Presenter: Jon Waldman, SBS CyberSecurity, LLC  This 60-minute program will be presented live on:   November 19, 2:00-3:00 p.m. CT  Recording available through:   February 19, 2021  Price:   $179 Ransomware attacks are at an all-time high, and unfortunately, there's no sign of these attacks slowing down. On October 13th, 2020, the Conference of State Bank Supervisors (CSBS) released another tool to utilize in your arsenal to combat this potentially devastating cyber attack - the Ransomware Self Assessment Tool (R-SAT). The R-SAT is designed to help financial institutions mitigate risks associated with ransomware and identify gaps for increasing your ability to protect, detect, and recover from a ransomware attack. In this Hot Topic Webinar, we'll discuss the CSBS R-SAT - the pros, the cons, who will be "required" to complete the tool, and how you can put the R-SAT to work for you.   Target Audience:  Information security officer, IT manager, risk officer Read More

 Presenter:   Nan Gesche, University of Minnesota This 90-minute program will be presented live on: November 11, 2:00-3:30 p.m. Central Time Recording available through: February 11, 2021 Price: $275   Conflict is a normal by-product of communicating with other people. How we deal with conflict and differing perspectives impacts our ability to get along and work with others. Using assessment tools to identify your preferred style for dealing with conflict, through group activities we will outline strategies for dealing with differences, and build skills for positively resolving conflict. Target Audience: Any individual wanting to further their communication skills with others Read More

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