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.

Learn more »

Upcoming Sessions

See All Upcoming Sessions

Get these programs together at a discount: Commercial Real Estate Lending: Issues in Underwriting Construction Loans and Determining Key Risks      April 21, recording available through July 21, 2020 Commercial Real Estate Lending: Administering and Monitoring Construction Loans      April 28, recording available through July 28, 2020 Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: June 16, 8:30-10:00 a.m. Central Time Recording available through: September 16, 2020 Price: $275 The 2008-2009 downturn in commercial real estate (CRE) exposed many weaknesses in bank construction lending practices.  Since that time, residential construction lending continues to expand slowly, along with the economy, with remodeling maintaining a large share of projects.  Into 2020, housing starts have increased, yet construction firms report labor shortages in many skill categories.  This program provides an overview of the major issues involved in consumer or residential construction lending, primarily to individuals having a home built or remodeled.  Topics to be covered include: What is construction risk and how is it mitigated? Differences between residential and commercial construction loans What additional due diligence is needed, beyond a conventional mortgage application and underwriting? Full construction vs. repair/remodel Construction contract and cost estimate issues (Description of Materials form) Contractor credentials and qualifications Plans and drawings Survey Title insurance Appraisal issues Loan pricing and structuring Typical interest rate and fees Construction loan agreements Issues with draws and inspections, including cost over-runs and lien priority How is the construction loan going to end (get repaid)? 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 involved in the consumer lending process.  Also intended for support personnel involved in the administration of residential construction loans. Related GSB Online programs/topics: CRE Lending: Issues in Underwriting Construction Loans and Determining Key Risks CRE Lending: Administering and Monitoring Construction Loans Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: July 2, 1:00-2:30  p.m. Central Time Recording available through: October 2, 2020 Price: $275 This seminar is designed to strengthen your ability to analyze personal financial statements and loan applications within a simple, logical and consistent framework.  It provides the tools needed to build an assessment of an individual’s financial strength as a direct borrower, or as a guarantor of a business loan.  This assessment provides the foundation for further cash flow analysis, generally from personal tax returns.  Understanding that many banks use an automated process for consumer lending, this program will help participants understand what is happening in the background. This program will review: Current industry trends  Taking the loan application, getting the needed information, and issues with helping the customer complete the schedules Beyond W-2’s and pay stubs: Tips on how to qualify income and verify employment Personal financial statement (PFS) overview and eight items bankers should look for “Three-step” approach to reviewing and analyzing a PFS in an efficient manner Issues with getting complete and accurate information from the customer The format does matter: Key features of bank-provided formats for a PFS compared to an accountant-prepared PFS, including assets and liabilities, reported income, and contingent liabilities How to calculate adjusted net worth and outside net worth   Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers   Related GSB Online Programs: Consumer Lending: Beyond the Ratios and into Credit History, Role of Collateral and Other Factors Consumer Lending: Overview of Residential Mortgages and Home Equity Lending Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: July 9, 1:00-2:30  p.m. Central Time Recording available through: October 9, 2020 Price: $275 Determining recurring and sustainable income and cash flow are the important first step in consumer lending.  Equally important are the applicant’s credit history and the collateral that will serve as a secondary source of repayment.  This seminar is a practical guide to credit bureau reports, issues with collateral, and a brief overview of the regulatory, compliance and fair lending environment.  Because of the automated nature of much consumer lending, we’ll focus on recognizing exceptions to established policies and practices, and how to properly mitigate these risks, plus when it makes sense to ask for a policy waiver. This program will address: Myths and realities of credit bureau reports Getting beyond weak excuses applicants give you for items of poor credit history Regulatory publications that consumers can use to improve their credit Framework for dealing with applicants with prior poor credit, even bankruptcy Credit policy exceptions are serious business, and your reasons for granting an exception are equally serious Overview of basic consume collateral Other factors that can mitigate risks in the “big three” of debt-to-income, loan-to-value and credit history Overview of the regulatory, compliance and fair lending environment   Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers   Related GSB Online Programs: Consumer Lending: Analyzing Personal Financial Statements and Loan Applications, Plus Key Ratios Consumer Lending: Overview of Residential Mortgages and Home Equity Lending Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: July 16, 1:00-2:30  p.m. Central Time Recording available through: October 16, 2020 Price: $275 For many consumers, their residential first mortgage is the largest debt obligation.  So, even if you are making other types of consumer loans, it is important to understand mortgages – how they work, typical structures, and their impact on the credit profile of your borrower.  This program provides an overview of the entire mortgage process, including home equity lending.  We’ll look at the business aspects of mortgages for banks, current trends in products offered, plus recent regulatory issues – most of which arose from the severe downturn in housing in 2008-2010. This webinar will address: Update on residential first mortgage products and housing in general The roster of various players and participants in the mortgage process, including the government sponsored entities (GSEs) The evolution of bank involvement and current practices (originate to keep, originate to sell, using a correspondent relationship and others) Customer goals and process differences with purchase mortgages versus refinancing Overview of formal underwriting steps Single closing products or construction/permanent combined loans Evolution and current trends in home equity lending Example underwriting for home equity line of credit (HELOC)   Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers Read More

Presenter:  Dave Koch, Abrigo This 90-minute program will be presented live on: August 5, 2:00-3:30 p.m. Central Time Recording available through: November 5, 2020 Price: $275   Core deposits are still the holy grail of funding for community financial institutions.  Recent market volatility, the emergence of new competitors, and ever-changing depositor demographics present challenges to traditional “valuation” assumptions.  Recent changes to the definition of “core deposits” has changed reported core deposit levels across the industry.  However, the real question is whether it changed the underlying expected value of these funding sources?    Without questions, the most critical assumption affecting interest rate and liquidity risk is how we treat non-maturity “core deposits”.  Assigning long-term duration and less volatile pricing creates an internal hedge against rising rates.  Assigning more volatility and short durations makes risk look high.  Through the years, institutions have used many methods to assess the longevity and sensitivity of these funds.  These methods include simple regression studies to more robust analysis.  What is the right answer for your institution?  Can it change your growth and profitability in the future?   In this 90-minute session we will review common approaches to studying non-maturity accounts, and how the different approaches impact risk and profitability results.  We will review how to perform “sensitivity testing” and make sense of that data to gain more confidence to ensure proper focus on the most critical issues affecting value.  Lastly, we use the data from a core study to help make interest rate, liquidity, and pricing decisions consistent with your institution’s strategy.  This session will help you gain maximum value from your core deposit study to assess: How to use core study outputs to build pools of funding for various asset classes How factors such as depositor age and account “vintage” impact value and volatility What is “effective duration” and why is it more important that weighted average life or “duration”? How to identify different segments exist within an account and common strategies to handle them in changing markets How does your study help with liquidity plans for “surge” balances? How segmentation and blended funding can significantly lower the cost and risk   Target Audience:  CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers.  This session is intended for individuals with a moderate to advanced understanding of the ALM and core deposit study process. Read More

Shopping Cart

Your cart is empty