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: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: October 26, 8:30-10:00 a.m. Central Time Recording available through: January 26, 2022 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

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: December 14, 8:30-10:00 a.m. Central Time Recording available through: March 14, 2022 Price: $275 This program covers how to calculate and analyze the basic set of financial statement (or tax return) ratios for operating businesses.  Preliminary steps (covered in related programs) include understanding the types of financial statements and level of accountant involvement, distinguishing between cash and accrual accounting methods, and the unique format and features of business tax returns.  We now turn to the four primary sets of ratios: (1) liquidity, (2) leverage, (3) profitability, (4) efficiency, and (5) debt coverage.  Using a comprehensive case, calculations are demonstrated, as wells as major issues, strengths and limitations of the various ratios.  Participants will work from a ratios reference guide that is intended to be a resource for future statement spreading. Topics to be covered include: Basic guidelines for classifying and spreading the data Identify the key components of a balance sheet Calculate liquidity and leverage ratios for an example business and interpret the results Identify situations with positive or negative working capital Describe common-sizing of the balance sheet Identify the key components of an income statement Calculate profitability and traditional cash flow measures for an example business and interpret the results Calculate efficiency and debt coverage ratios for an example business and interpret the results Explain the use of industry and comparative data within financial analysis 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 officers, loan review specialists and others involved in business and commercial lending Read More

Presented by: Ascensus  This 60-minute program will be presented live on: November 3, 10:00-11:00 a.m. Central Time Recording available through: February 3, 2022 Price: $225 Roth IRAs aren’t new anymore and have really picked up traction in recent years.  Attend this webinar to see why Roth IRAs have become so popular and why they are such an important tool of the retirement planning portfolio.  Learn about the popular Roth IRA Loop Hole, Roth IRA tax benefits, conversion issues, estate planning for beneficiaries and what sets a Roth IRA retirement vehicle apart from Traditional IRAs and other qualified retirement plans. Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: December 14, 10:30 a.m.-12:00 p.m. Central Time Recording available through: March 14, 2022 Price: $275 It has been said that nothing exposes the intellectual abilities of a loan officer like a credit write-up, because writing is a reflection of thinking.  And not just for loan officers, but for credit analysts, portfolio managers and others that deal with business and commercial loans. Many facets of lending are difficult to explain, especially when put into writing.  This program is centered around basic writing principles, but applied to lending.  It explores the process using five Ps.  Within the thought process and planning, there are two Ps: (1) Purpose and (2) preparation.  Within “getting it done” there are three more Ps: (3) Putting it all together, (4) Polish and (5) Pizzazz: Purpose Identifying what you want the reader to do Determining your (almost always) multiple audiences Preparation Recognizing the eight qualities of effective writing Communicating efficiently using “cover pages” Determining what supporting evidence is needed in the memorandum Finding the best format Putting it all together Identifying the unique issues in communicating data and quantitative information Outlining prior to drafting Data tables are not analysis Polish Before and after example Using white space and formatting conventions Lender liability issues Pizzazz Getting the reader’s attention Making sure that the reader does not miss key points Every package tells a story 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 officers, loan review specialists and others involved in business and commercial lending Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: November 23, 10:30 a.m.-12:00 p.m. Central Time Recording available through: February 23, 2022 Price: $275 Many factors affect the loan structures used in commercial lending, both for commercial and industrial (C&I), and commercial real estate (CRE), agricultural and other situations.  This program provides the four keys to developing the best loan structure, starting with the bank’s goals. Of secondary, and almost equal consideration, is the customer’s goals.  We’ll focus on strategic goals and business life cycle concepts, which often supersede the borrower’s desire to get the lowest interest rate.   In structuring a financing arrangement, the banker must have a thorough knowledge of the available credit facilities and how to match them to the customer’s needs (third key) and the anticipated source of loan repayment (fourth key). This seminar provides bankers with a working knowledge of the basic principles of loan structuring, including: Understanding your bank’s goal(s) in structuring the loan Identifying the goals of your customer and the resulting credit needs Discussing and implementing the products you can utilize Identifying the loan structures that best match the source(s) of repayment Target Audience:  Small business lenders, private bankers, commercial lenders, credit analysts, loan review specialists, lending managers and credit officers involved in C&I loans Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: October 26, 10:00-11:30 a.m. Central Time Recording available through: January 26, 2022 Price: $275   This program will cover the basics of how to craft an effective commercial loan write-up.  The session will begin with a brief overview of loan write-ups or credit memorandums including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation). The financial analysis section will highlight liquidity, activity, leverage, operating performance, and cash flow analysis. The session will also cover additional important loan write-up items including assessing the company’s strategic plan- marketing, financing, and management.  Two standard commercial loan write-ups will be presented in order to illustrate the concepts. Program Objectives: Review effective commercial loan write-ups Discuss types, styles, and components parts Cover the financial analysis section Assess the company’s strategic plan Summarize the concepts by reviewing two loan write-ups Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers Read More

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