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: February 19, 26, March 5 & 12, 10:30 a.m.-12:00 p.m. Central Time Recording available through: June 12, 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), the October 2019 Frequently Asked Questions (FAQs), 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) Multiple types or levels of reviews:  Administrative/compliance, technical, third party and others 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, plus a case demonstrating the income approach using direct capitalization 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 and October 2019 FAQs   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: February 19, 26, March 5 & 12, 8:30-10:00 a.m. Central Time Recording available through: June 12, 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: May 14, 10:00-11:30 a.m. Central Time Recording available through: August 14, 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

Presenter: Greyson Tuck, Gerrish Smith Tuck, Consultants and Attorneys This 60-minute program will be presented live on: April 4, 10:00-11:00 a.m. Central Time Recording available through: July 4, 2019 Price: $225   Is your community bank in need or in want of additional capital?  If so, it is important that your board understands all of the available capital raising alternatives.  This presentation will cover from both a business and legal perspective each of the various capital raising alternatives that are available to community banks, including bank stock loans and subordinated debt, the sale of common stock, the sale of preferred stock and the sale of other “equity-like” instruments.  This presentation should not be missed by any community bank that is considering raising additional capital.   Target Audience: Executive officers and their teams Read More

Presenter: Greyson Tuck, Gerrish Smith Tuck, Consultants and Attorneys This 60-minute program will be presented live on: April 11, 10:00-11:00 a.m. Central Time Recording available through: July 11, 2019 Price: $225   The current environment will present many community banks the opportunity to evaluate some type of merger or acquisition transaction. Some community banks have seasoned veterans that have been through this process a number of times. However, most community bank officers and directors have never been through an actual acquisition transaction. This presentation will prepare community bank officers and directors for a potential merger or acquisition by presenting a step-by-step overview of the merger and acquisition process from beginning to end. The presentation will cover the 10 steps of a community bank acquisition transaction, including the initial “dance” between the buyer and seller, valuation techniques, structure and documentation issues, regulatory applications and the completion of the transaction, including the exchange of consideration. This presentation will be full of practical advice on each step of the process and will provide your officers and directors with the information needed to fully understand the community bank mergers and acquisitions process.   Target Audience: Executive officers and their teams Read More

Presenter: Tom Hershberger, Cross Financial Group This 90-minute program will be presented live on: February 14, 2:00-3:30 p.m. Central Time Recording available through: May 14, 2019 Price: $275   You've been there before, the newspaper deadline is this afternoon and you need an ad...quick! What do you do? Participate in this session and learn how to develop effective advertising using a few basic principles that will improve your mass media and direct communications. Avoid the common mistakes of cute clipart and headlines. Utilize the correct strategies for developing highly effective headlines and supporting copy. Learn how to balance your communications and optimize your marketing investments with proper planning of your advertising, market segments and products. If your organization uses advertising and direct mail to support your marketing efforts, encourage your managers and marketing committee members to participate in this informative, how-to session. Together, they will all benefit from the information, drawn directly from successful bank promotions.   Target Audience: Senior management, branch managers, marketing officers, marketing committee members Read More

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