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

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: March 16, 1:00-2:30 p.m. Central Time Recording available through: June 16, 2021 Price: $275   Global cash flow has become a key component of business and commercial underwriting where personal guarantees of the owners are involved, or direct borrowing is by an individual for a sole proprietorship, rental property or farm. This program reviews most common approaches used by bankers, plus some of the analytical and conceptualize issues encountered. For instance, when comparing global cash flow to the combination of business and personal debt, how does your bank’s approach treat business debt service where the individual is a minority owner of the business? What changes when the minority owner guarantees at a higher percentage than his or her ownership percentage? Why do you need to have personal taxes and living expenses in the model (or adjust the debt-service-coverage target higher if no personal taxes and living expenses are being included)? How do you define the business cash flow? At what point should global cash flow cease being a primary underwriting tool and shift to a secondary role (become more of a global analysis)?   Specific subjects that will be covered during the seminar: Versions of GCF being used by bankers and regulatory comments on global analysis Analytical and conceptual issues: Mixing two approaches to debt coverage Giving credit for business earnings or amount distributed Using averages for debt coverage ratios Selecting a measure of business cash flow Incorporating business debt service When to recognize that the business itself or a real estate project should stand on its own, a global cash flow “can’t make a bad loan good,” and you should shift to more of a global analysis involving an assessment of contingent liabilities of the owner(s) Some tax return basics/issues along the way   Target Audience: Branch managers, 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 90-minute program will be presented live on: March 9, 1:00-2:30 p.m. Central Time Recording available through: June 9, 2021 Price: $275   Bankers underwrite loans primarily from tax returns, particularly at the community bank level. What reported income on a personal tax return actually is cash flow? What items on a Schedule K-1 involve cash inflows and outflows to our customer? Using case examples and worksheets, this seminar covers how to analyze personal tax returns to develop cash flow within a simple, logical and consistent framework. It provides the tools needed to reduce voluminous amounts of forms and schedules into a concise, relevant picture of cash flow, focusing on personal situations where pass-through entity items are reported in the tax return.   Specific subjects that will be covered during the seminar: Overview of business entity choice issues, and why pass-through entities are popular with private businesses Connecting a business tax return with the Schedule K-1 provided to the owner(s) The “Schedule E dilemma” and approaches for using income or cash flow from entities where the owner has either a majority or minority ownership interest Case example and worksheet for situations with pass-through income (expense) Pros and cons, from a taxation standpoint, of ways self-employed and small business owners can extract cash and/or recognize income from their businesses Why small businesses often show a year-to-date profit through November, that it all disappears by year-end   Target Audience: Branch managers, 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 90-minute program will be presented live on: March 2, 1:00-2:30 p.m. Central Time Recording available through: June 2, 2021 Price: $275   Bankers underwrite loans primarily from tax returns, particularly at the community bank level. Personal tax returns are used to evaluate business owners and guarantors. This program focuses on the Form 1040 and determining what reported income (expense) involves cash inflow (outflow). We contrast the “income” driven nature of consumer lending with the “cash flow” focus of business lenders. Using case examples and worksheets, we’ll cover how to analyze personal tax returns to develop cash flow within a simple, logical and consistent framework. It provides the tools needed to reduce voluminous amounts of forms and schedules into a concise, relevant picture of personal cash flow from the business entities tied to the Form 1040 (sole proprietorships, rental property and farms).   Specific subjects that will be covered during the seminar: The limitations of personal financial statements and why more information is needed Why personal tax returns can be difficult to analyze and how to target relevant information consistently Using tax return data to validate assets and liabilities, plus uncover unreported liabilities Understanding the spectrum of situations, how some income (or loss) does not involve cash, plus linking types of income/cash flow to the primary tax return schedules Cash flow approaches for businesses connected to the personal tax return, namely sole proprietorships, rental property and farms Recent tax law changes and likely effects on customers’ tax returns   Target Audience: Branch managers, 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 90-minute program will be presented live on: April 6, 10:30 a.m.-12:00 p.m. Central Time Recording available through: July 6, 2021 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:  Dave Koch & Darryl Mataya, Abrigo This 90-minute program will be presented live on: April 22, 2:00-3:30 p.m. Central Time Recording available through: July 22, 2021 Price: $275   Managing balance sheet risks requires an firm grasp on the behavior of funding sources. While core deposits remain the "holy grail" of funding for community financial institutions, recent market volatility, new competitors, and changing depositor demographics present challenges to future funding certainty. In this session we present the six categories of funding risk that you face, and the traditional methods you use to manage them. Having strong analytics on the retail funding sources within your FI is critical to future risk management and liquidity positions. We describe how to create a funding plan that looks at more than balances and costs, but also measures other funding and liquidity risks. We also look at the various wholesale alternatives in today's market and how to approach the strategic use of borrowing funds practically, and within policies. Participants will come away with a better understanding of: How  to assess overall funding risks, opportunities, and assessment tools. How  to build an effective and efficient funding plan. The need to focus on growth of non-maturity deposits in preparation for changing rates. How segmentation strategies and use of wholesale funding manages risk and performance through "blended funding" of the balance sheet. Why institutions pursuing both consumer loans and business loans need to focus on the entire relationship, not just the loan in making loan and deposit pricing decisions.   Target Audience:  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: March 2, 10:00-11:30 a.m. Central Time Recording available through: June 2, 2021 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

Shopping Cart

Your cart is empty