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 20, 27 & March 6, 13, 8:30-10:00 a.m. Central Time Recording available through: June 13, 2018 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 valu 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 1, 10:00-11:30 a.m. Central Time Recording available through: August 1, 2018 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:  Patrice McGuire, McGuire Business Partners This 90-minute program will be presented live on: May 11, 9:30-11:00 a.m. Central Time Recording available through: August 11, 2018 Price: $275   Have you ever wondered why some people are so easy to work with while others may drive you crazy?  The truth is we tend to communicate and interact with others in the way that we prefer and what works best for US.  However, our approach isn’t going to be effective for nearly 75% of the population.  Maybe WE are the ones driving others crazy!   In this seminar participants will: Understand their own communication style and tendencies Become familiar with the strengths and weaknesses of each communication styles Identify tendencies of others through observation and interaction Apply strategies to work more effectively with others   Targeted Audience:  Professionals at all levels wanting to improve interactions with others while enhancing relationships Read More

Presenter:  Greyson Tuck, Gerrish Smith Tuck, PC This 60-minute program will be presented live on: April 5, 10:00-11:00 a.m. Central Time Recording available through: July 5, 2018 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 22, 2:00-3:30 p.m. Central Time Recording available through: May 22, 2018 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

Presenter:  Jim Lethert, Attorney This 90-minute program will be presented live on: March 1, 10:00-11:30 a.m. Central Time Recording available through: June 1, 2018 Price: $275   A power of attorney (POA) or letter of attorney is a written authorization to represent or act on another's behalf in private affairs, business, or some other legal matter, sometimes against the wishes of the other. The person authorizing the other to act is the principal, grantor, or donor (of the power).  Bankers are frequently challenged by non-customers claiming to have authority under a power of attorney created by a bank customer.  This webinar addresses the do's, don'ts and can nots of powers of attorney.   Key topics to be covered includes: Aspects of an agency relationship Where the bank stands in the three-part relationship between the Principal, the Agent and the Bank Types of POAs Formats of POAs Effects caused by death of the Principal Terminating a Power of Appointment Liability of the bank for not accepting a valid POA What the bank can rely on without further investigation The use of certifications   Target Audience: Trust department personnel, personal bankers Read More

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