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: Richard Hamm, Advantage Consulting & Training This four-part program will be presented live on: October 16, 23, 30 & November 6, 10:30 a.m.-12:00 p.m. Central Time Recording available through: February 6, 2019 Price: $715   An important part of the commercial real estate (CRE) lending process is the review and interpretation of the property appraisal. This program briefly reviews some issues of the entire appraisal process, such as selecting and engaging a qualified appraiser, but focuses primarily on reviewing the report for integration into the overall credit analysis. Fundamental principles and features of appraisals are covered, the December 2010 Interagency Guidelines (regulators may cite Reg. H, Reg. Y, SR 10-16 and others, but all of them ultimately refer back to the 2010 Interagency Guidelines), as well as the primary analytical techniques such as net operating income (NOI) and direct capitalization for income-producing properties.   Specific subjects that will be covered during the seminar include: Why you should want to review appraisals (beyond just satisfying regulatory requirements) Types or levels of reviews: Administrative/compliance, technical, and third party Practical suggestions for setting loan-size limits to trigger the levels of review Administrative/compliance reviews: FIRREA and other regulatory issues and a sample review checklist Technical reviews: Appraiser independence and competence, types of reports by format and the 2006 scope of work rule/changes, details on the approaches to value (cost, income and market sales), plus a sample review checklist Third party review by appraisers: How appraisers are regulated via USPAP, using USPAP Standard 3 to get a third party review done and example comments from reviews – comments that will help you improve your reviews How the three approaches to value (income, cost and market/comps) work Review outcomes, and ideas on when and how to request revisions or corrections to the report Guidelines for evaluations in lieu of full appraisals Guidelines for reviewing, validating and using existing appraisals Other issues as required by the December 2010 interagency guidelines   Target Audience: Consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers Read More

Presenter: Richard Hamm, Advantage Consulting & Training This four-part program will be presented live on: October 16, 23, 30 & November 6, 8:30-10:00 a.m. Central Time Recording available through: February 6, 2019 Price: $715   Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios, both performing and non-performing. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts in evaluating commercial real estate cash flow. This program demonstrates (from case studies) the key variables and concepts for determining real estate cash flow, plus primary analytical techniques such as transaction level stress-testing and compiling a global cash flow that includes all of the holding of the investor/owner/guarantor. We cover where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls.   This seminar will address the following: Net operating income (NOI) components and concepts Understanding key variables within NOI: vacancy, management fees, replacement reserves and capital expenditures Understanding cap rates and how they are used to link cash flow to property value Using tax returns and customer rent rolls, plus issues with commercial leases Unique characteristics of the major types of real estate Transaction-level stress-testing of debt service coverage (DSC) and loan-to-value (LTV) How to use a sample worksheet to explore the major issues, including stress-testing Issues faced in the global analysis of the various holdings of the borrower/guarantor Taking the global analysis beyond the face values of guarantees (contingent liabilities analysis) Using the cash flow analysis as part of ongoing loan monitoring, including estimated property values, not in lieu of appraisals, but as a key part of the overall CRE process Brief look at residential rentals and related cash flow and property value issues   Target Audience: Consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: December 4, 2:00-3:30 p.m. Central Time Recording available through: March 4, 2019 Price: $275   Attend this webinar to review the basics of commercial real estate including types of properties and demand/supply in the current market.   The session will then cover the entire loan process by which a commercial real estate loan is marketed, underwritten, approved, documented, closed, and monitored. The process will include examples of commercial real estate underwriting techniques and loan documentation issues.  Additionally, strategies to handle a problem commercial real estate loan will be addressed.    Objectives Review the basics of commercial real estate including types of properties and demand/supply in the current market Gain an understanding of how banks process commercial real estate loans Learn the steps of marketing, approving, documenting, closing, and monitoring a commercial real estate loan Cover examples of commercial real estate loan underwriting and loan documentation Address problem loan issues   Target Audience: Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers Read More

Get these courses together, at a discount: Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank Developing an Enterprise-Wide Risk Assessment Three Key Risk Assessments in Your ERM Program - ERM, IT, and Internal Controls Read More

Get these programs at a discount: Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank Developing an Enterprise-Wide Risk Assessment Three Key Risk Assessments in Your ERM Program - ERM, IT, and Internal Controls Read More

Get these programs together, at a discount: Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank Developing an Enterprise-Wide Risk Assessment Three Key Risk Assessments in Your ERM Program - ERM, IT, and Internal Controls Read More

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