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 90-minute program will be presented live on: April 6, 8:30-10:00 a.m. Central Time Recording available through: July 6, 2021 Price: $275   Analyzing business financial statements and tax returns starts with understanding the basic components of the balance sheet and income statement, along with the reconciliation of retained earnings, plus footnotes and other disclosures.  The business tax return is nothing more than a financial statement with similar components, but with a different format and structure.  A second step is to use a diagram, with the components in rough proportion to dollar size, to see how the components “flow” together and interact to create three major financial relationships:  (1) Sales to total assets, (2) profit retention, and (3) leverage.  A third step is to identify and understand the key principles underlying the three primary methods of accounting, followed by examining an accountant cover letter, if applicable.   Topics to be covered include:   Identify various financial statement analysis options and tools, plus the basic structure and purposes of financial statements and tax returns Diagram the statement components and how they flow together and create three major relationships Identify various levels of accountant-prepared financial statements (compilations, reviews and audits) and related accountant cover letters Describe key issues in using internal or company-prepared statements, as well as interim statements Compare and contrast the three primary methods of accounting Key standards, limitations and alternatives within accrual accounting or generally accepted accounting principles (GAAP)   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 Read More

Get these programs together at a discount: Administering and Monitoring Residential Construction Loans - February 16 Analyzing Personal Financial Statements - April 6 Overview of Credit History and the Role of Collateral - April 13 Overview of Residential Mortgages and Home Equity Lending - April 20   Read More

Presenter: Ann Knutson, Bank Five Nines This 90-minute program will be presented live on: March 11, 10:00-11:30 a.m. Central Time Recording available through: June 11, 2021 Price: $275   Research shows that employees who are motivated, appreciated and believe in what they do are individuals who produce better business results and are likely to stay with the company longer than disengaged employees.  But how does an organization offer engagement strategies that appeal to all employees of every generation?  In this presentation, you will walk away with several practical strategies on how to engage your employees and measure the impact of your efforts. After attending this program, you will: Be able to define employee engagement and understand its benefits; Understand the elements, factors and dimensions of engagement; Learn the characteristics of an engaged workforce; Learn how to build a business case for employee  engagement; Learn how to measure employee engagement; Be able to create an employee engagement plan   Target Audience: Human resource officers, supervisors, CEOs Read More

Presenter: Tom Hershberger, Cross Financial Group This 90-minute program will be presented live on: April 1, 2:00-3:30 p.m. Central Time Recording available through: July 1, 2021 Price: $275   This session is directed to middle and senior managers and focuses on the importance of leading a culture that intentionally manages the desired customer experience. Customer interactions previously limited to managing quality interactions on the telephone or at a branch are expanding to include all transactions, touch points, communications and technologies that deliver service and information to customers. Organizations that excel at managing the entire customer journey will successfully capture more relationships with targeted generations and market segments. Learn how to take a strategic approach to delivering your desired customer experience.   Target Audience: Senior and middle managers, branch managers, supervisors Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: March 2, 8:30-10:00 a.m. Central Time Recording available through: June 2, 2021 Price: $275   Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios. 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 developing CRE cash flow. This program demonstrates (from a case study) the key variables and concepts for determining real estate cash flow, including transaction-level stress-testing and where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls.   Specific subjects that will be covered during the seminar: Net operating income (NOI) components and concepts Understanding key variables within NOI: vacancy, management fees, replacement reserves and capital expenditures Using tax return schedules and customer rent rolls Transaction-level stress-testing of debt service coverage (DSC) and loan-to-value (LTV)   Target Audience: Commercial lenders, credit analysts and small business lenders; consumer lenders, mortgage bankers and private bankers; 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: March 23, 8:30-10:00 a.m. Central Time Recording available through: June 23, 2021 Price: $275   In many instances of commercial real estate (CRE) lending, the risks to a borrower/owner/guarantor from contingent liabilities outweigh the strength of the property your bank is proposing to finance. How can you effectively evaluate the risks of these guarantees? This program provides a framework not only for arraying the various properties, but a strategy for determining the risk of individual properties. Yes, developing property cash flows for tax returns and other data is the first step, but bankers need to go deeper into estimating collateral value and any potential shortfall within the property that becomes a direct liability to your borrower/owner/guarantor. Due to the high incidence of banks requiring owners to guarantee a percentage higher than the person’s ownership percentage, minority interests in CRE create a more complicated analysis, even best case/worst case/most likely scenarios. Finally, issues such as property type, location, length of leases in place and strength of tenants quickly take the analysis beyond tax return or operating statement data.   Specific subjects that will be covered during the seminar: 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: Commercial lenders, credit analysts and small business lenders; consumer lenders, mortgage bankers and private bankers; loan review specialists, special assets officers, lending managers and credit officers Read More

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