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:   David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: May 22, 10:00-11:30 a.m. Central Time Recording available through: August 22, 2018 Price: $275   What should the bank do and not do when a good loan turns into a bad loan and the payments are severely delinquent?   Attend this seminar to learn how to better manage problem loans and protect the rights of the bank in today’s market!   The question will be answered by addressing the legal rights of the bank and the practical steps that the bank should take in order to protect itself. This will include the collection process, restructuring the loan, and/or proceeding against the borrower through repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or simply walking away. This section will also include the outside influence from the banking regulators.    The program will begin with a review of the basics of how a commercial loan request should be processed in today’s market i.e. avoiding problem loans. This will include a brief review of correct business structure, the six elements of proper loan structure, and the four aspects of adequate loan support.  The seminar concepts will be summarized through case studies.   Program Topics: Review the management of problem loans Process a commercial loan in today’s market-correct business structure, loan structure, and loan support Face the reality that some loans go bad Determine the bank’s strategy in protecting itself-collections, restructuring the loan, repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or walking away Assess outside influence by the banking regulators Apply the concepts through case studies   Target Audience:  Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers Read More

Presenter:  David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: April 3, 10:00-11:30 a.m. Central Time Recording available through: July 3, 2018 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: March 20, 2:00-3:30 p.m. Central Time Recording available through: June 20, 2018 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: April 10, 10:00-11:30 a.m. Central Time Recording available through: July 10, 2018 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: Brett Schwantes, Wipfli LLP This 60-minute program will be presented live on: April 19, 10:00-11:00 a.m.Central Time Recording available through: July 19, 2018 Price: $225   FASB’s Current Expected Credit Loss (CECL) standard is coming, and institutions are trying to figure out what to do next. The FASB pushed out the effective dates of the new standard to give institutions time to implement very significant changes to their allowance for loan and lease loss analyses, but a lot of work needs to be done between now and then. So what should institutions be doing or thinking about in 2018 and beyond? This webinar will:   Introduce real-life CECL methodologies some institutions might consider building themselves. Discuss pros and cons of each of the broad methodologies that could be used Review a timeline of implementation milestones institutions need to address   Target Audience:  CFOs, controllers, CEOs, senior lending officers and others that will be involved in the implementation of CECL Read More

Presenter: Chad Knutson, SBS CyberSecurity, LLC This 90-minute program will be presented live on: March 29, 2:00-3:30 p.m. Central Time Recording available through: June 29, 2018 Price: $275   The 2017 Verizon Data Breach Investigations Report suggests 93% of breaches involve social engineering and that 8% of employees working in the financial industry will click on malicious link or attachment. With hundreds of thousands of people working in financial institutions around the country, we have a high potential level of risk. Cybercriminals have also weaponized tools into phishing emails that can compromise our systems and takeover control. Phishing campaigns have been automated and are distributed as a service “crime-as-a-service” to other cybercriminals looking for repeatable processes to conduct mass scale phishing campaigns. Considering the high probability of people to fall victim and the damaging destruction phishing can cause, it positions phishing as a digital weapon of mass destruction.   This discussion will highlight the advancements in cybercrime and social engineering that are targeting our people resources. Best practices will be discussed for processes necessary to improve the weakest links in our institutions. With a reliable process, we can measure the level of risk and implement effective risk mitigating controls. The following topics will be discussed:   Trends in Cyber Security Attacks Social Engineering – what you need to know Latest Phishing Scams Logical controls to reduce risk around people Creating positive cybersecurity culture Deploying continual and ongoing educational programs Unique ideas on educating people Automated phishing tests   Target Audience:  Information Security Officer, IT Manager, Risk Officer, Internal Auditor, , CIO, and Executives looking to understand the risk around Social Engineering   This program qualifies for the following CPE Credits through the SBS Institute: 1.5 CPEs*: CBSM, CBSTP, CBCM, CBSIH ISC2*: Estimated 1.5 hrs. CISSP.  ISACA*: Estimated 1.5 hrs. CISA/CISM/CRISC. *Self-Reporting Read More

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