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: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: November 26, 10:00-11:30 a.m. Central Time Recording available through: February 26, 2020 Price: $275   This webinar will explore various cash flow techniques as they apply to a wide range of business scenarios and addresses the underlying drivers of cash flow. The cash flow models will include both business and personal (business owner) applications.  The business cash flow section will include traditional EBITDA cash flow, Fixed-Charge Coverage (FCC), Free Cash Flow (FCF), Cash Basis Cash Flow, and the UCA Cash Flow (using the Moody’s Risk Analyst software spreadsheet). Additionally, the statement of Cash Flows (both Direct and Indirect Methods) as prepared by the CPA will be reviewed.   The personal cash flow section will detail the cash flow analysis of the business owner using the 1040 tax return and personal financial statement. Additionally, the Global Cash Flow or combined business & personal cash flow model will be displayed.   The program will also include a commercial real estate cash flow analysis with several “what-if” situations.   Topics to be covered include: Business & personal cash flow analyses including direct applications to business scenarios EBITDA, FCC, FCF, cash basis cash flow, UCA cash flow analyses, statement of cash flows Personal cash flow analysis Global cash flow: combining the business and personal cash flows Commercial real estate cash flow analysis including “what-if” situations   Target Audience: Commercial lenders, commercial relationship managers, credit analysts, loan administrators Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: November 19, 2:00-3:30 p.m. Central Time Recording available through: February 19, 2020 Price: $275   Attend this proactive webinar and learn an in-depth approach to financial statement analysis. The participant will be introduced to a five-part analysis model which will include the following:   Liquidity: How to determine the true cash position of a company by eliminating certain current asset accounts from the working capital, current ratio, and quick ratio calculations Activity: How to correctly interpret a company’s accounts receivable, accounts payable, and inventory turnover. The turnover rates will then be used to determine (and later improve) a company’s cash conversion cycle. Leverage: How to calculate the debt versus equity position of a business and use/misuse the subordination agreement Operating Performance: How to gauge a company’s true profitability and the impact of accrual versus cash basis income statements. Additionally, the effect of the timing of the recognition of revenues and expenses will be reviewed Cash Flow: Calculate, interpret, and apply several cash flow models including traditional EBITDA, Fixed-Charge Coverage, Free Cash Flow (FCF), Cash Basis Cash Flow, and Uniform Cash Flow Analysis   Additionally, the related topics of the Z-score (bankruptcy predictor) and the sustainable growth models will be reviewed.   An in-depth case study will be used to illustrate the various parts of the five-part model and allow the attendee experience in calculating and correctly interpreting the numbers.   Target Audience: Commercial lenders, commercial relationship managers, credit analysts, loan administrators Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: November 26, 2:00-3:30 p.m. Central Time  Recording available through: February 26, 2020 Price: $275   This online seminar will provide bankers with an overview of several advanced tax return concepts and related analysis to help them more effectively work with their business customers. The program will begin with a brief review of analyzing a business owner’s personal “1040” tax return and the return of both an LLC and an S corporation including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.   The remainder of the program will cover the following pertinent tax topics related to business clients: Corporate tax issues including business structure, Section 179 Depreciation, and bonus depreciation Investments including capital gain/loss issues and passive activities Real estate issues including rentals and home offices Employer provided benefits including qualified retirement plans and Health Savings Accounts (HSAs) Retirement planning strategies including defined benefit plans Estate planning issues including gift taxes Year-end tax planning strategies Recent changes to the tax code that impact business owners   Each of the program topics will be presented from the perspective of more effectively working with the bank’s business customers.   Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers Read More

Presenter: Ann Knutson, First Bank Financial Centre This 90-minute program will be presented live on: November 12,  10:00-11:30 a.m. Central Time Recording available through: February 12, 2020 Price: $275 HR professionals are often the last to know about issues brewing in the workplace.  Once HR is made aware, the issues are sometimes beyond repair.  Or, the issues are so deep and involve so many individuals that it may take days or even weeks to get to the heart of matter.  This requires HR professionals to set aside other priorities to investigate to determine the appropriate course of action, all in an effort to do what is right while reducing risk to the organization. So what can HR do to stay abreast of conflict without being “big brother”?  Do you get involved when you’ve only learned about an issue through gossip?  How can you determine if the situation requires intervention?  What happens when the issue involves multiple people or a member of the management?  What role does confidentiality play? Loaded with practical solutions for managing the most difficult employee conflicts, this webinar delivers effective human resources practices that will restore peace and productivity, and improve employee morale.   Target Audience: Human resource officers, supervisors Read More

Presenter: Jim Lethert, Attorney This 90-minute program will be presented live on: November 12, 1:00-2:30 p.m. Central Time  Recording available through: February 12, 2020 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: October 22, 10:00-11:30 a.m. Central Time Recording available through: January 22, 2020 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

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