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:  Dave Koch, Abrigo This 90-minute program will be presented live on: March 25, 2:00-3:30 p.m. Central Time Recording available through: June 25, 2021 Price: $275   Despite much talk about secondary capital, today most remain dependent on their ability to grow net worth to manage safety and soundness while meeting growth challenges. With the recent changes in community bank capital rules, new competitive challenges may arise.  What is your internal process for planning capital levels?  Is it an integrated part of your strategic planning function and regular risk-taking process?  Too often we think of capital planning as an exercise for troubled institutions or growth-oriented companies. When properly executed, capital planning should be a dynamic approach that sets the targets for interest rate, liquidity, credit, and operational risk. In this session we will tackle the outline for a capital planning and stress-testing process to improve performance. Participants will come away with: A outline for assessing necessary capital levels How capital planning integrates with strategic planning How stress testing is applied to manage capital and improve performance Target Audience:  CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers.  Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: April 13, 8:30-10:00 a.m. Central Time Recording available through: July 13, 2021 Price: $275   Many business and commercial lenders, plus credit analysts and portfolio managers, work primarily from company-prepared financial statements, along with business tax returns.  One of the key issues in analyzing these documents is identifying the method of accounting being used.  Much like two different, foreign languages can take the same text and render it into two different-looking documents, each method of accounting takes the same financial transactions and puts them together into two different-looking financial statements.  Do you know the key differences in how cash and accrual method accounting handle these financial transactions?  Kcan you “translate” between the two methods?  Do you know which method your borrower is using? This program provides a refresher for the key issues in determining which method of accounting is being used, and what it means for the analysis process.  We also cover how and why either method is appropriate for some businesses.  It’s not a matter of which one is “best,” it’s a matter of “fit.” Attendees will learn to: Compare and contrast the cash method and accrual method of accounting For an example business (case), construct the conventional balance sheet, income statement and statement of cash flows on BOTH the cash and accrual basis Identify key differences in how individual transactions are handled between cash and accrual accounting, plus the effect on the perception of performance Describe where to find key indicators of the method being used, including where they are disclosed in various business tax return format. Describe how the statement of cash flows serves as a translator between cash and accrual accounting Why other comprehensive bases of accounting (cash and income tax) are appropriate for many smaller businesses 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

Presenters: Rob Newberry & Regan Camp, Abrigo This two-part program will be presented live on: May 11 & 12, 10:00 a.m. - 1:30 p.m. Central Time Recording available through: July 12, 2021 Price: $345   Financial institutions complying with the Current Expected Credit Loss standard, or CECL, in 2023 have to manage a myriad of new data, modeling, and forecasting considerations. With new requirements comes new expertise and time constraints. To assist community financial institutions in navigating the transition, GSB and Abrigo are hosting a two-day workshop filled with over seven hours of educational content that describes the new standard, recommends modeling best practices, identifies key players at the financial institution, examines forecasting, and shares case studies from those who have done it before, including the SEC-filing institutions who implemented last year. This virtual workshop will be led by Abrigo personnel of former bankers and industry experts who have worked with hundreds of institutions already on conducting concise, credible, and efficient CECL calculations. Topics to be addressed each day are:   Tuesday, May 11 Session 1: An Introduction to the New CECL Standard, 10:00 – 11:30 In this first session, we will establish a foundational understanding of the new Current Expected Credit Loss (CECL) accounting standard.  This will include reviewing the history and evolution of the allowance, discussing the reasoning behind the move to CECL, and examining what’s in scope, measuring losses, loss recognition, timelines, and more. Session 2: CECL Modeling – Estimating Lifetime Expected Losses, 12:00 – 1:30 In this second session, we will introduce and walk through detailed examples of a variety of the more widely considered and CECL-compliant models/methodologies, as well as discuss the pros, cons and applicability of each approach to estimating lifetime expected losses.   Wednesday, May 12 Session 3: Preparing for CECL – Who, What, When?,  10:00 – 11:00 In this third session, we will discuss who should be involved, what they should be doing, and when they should begin preparing for the formal transition to CECL adoption. Session 4: Examining Reasonable and Supportable Forecasts, 11:00 – 11:45 In this fourth session, we will examine the new requirement under CECL of developing and incorporating reasonable and supportable forecasts in our allowance calculations.  How is this different from current US GAAP requirements, and what might this look like in practice? Session 5:  Applied Case Studies, 12:15 – 12:45 In this fifth session, we will leverage case study examples to apply our learning and further solidify our understanding of previously discussed key concepts.  Session 6: Lessons Learned from SEC Filers, 12:45 – 1:30 In this sixth and final session, we will review some of the apparent trends and best practices observed in those SEC filers that have already formally adopted the new CECL standard, and discuss how we might leverage this information to better prepare our own institutions for this shift.   Who Should Attend: CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: May 3, 2:00-3:30 p.m.Central Time Recording available through: August 3, 2021 Price: $275 This seminar will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure. The training session will also cover underwriting C&I loans including accounts receivable assessment and the use of a Borrowing Base Certificate (basic and advanced models), the valuation and quality of inventory, and the analysis of various equipment-related issues in lending. This portion of the seminar will also cover the proper evaluation of the borrower’s financial statements.      Additionally, the seminar will cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The seminar will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market. Objectives: Review C&I lending Discuss C&I loan products and their typical structure Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing Analyze the Borrowing Base Certificate (BBC) Evaluate the borrower’s financial statements Review the documentation, collateral, pricing, and managing of C&I loans Develop the marketing of C&I loans in today’s economy Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers Read More

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

Presenter: Tom Hershberger, Cross Financial 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

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