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 and Training This 90-minute program will be presented live on: October 27, 8:30-10:00 a.m. Central Time Recording available through: January 27, 2021 Price: $275   Can you identify the factors that cause cap rates to increase or decrease? How can you mitigate the risk posed by properties with short leases and underlying loans with long amortizations (re-lease or rollover risk)? Whether directly financing commercial real estate (CRE) or including CRE income stream(s) in your overall credit analysis of a borrower, it is important to understand key analytical concepts in evaluating CRE beyond the cash flow and debt service coverage (DSC) and loan-to-value (LTV) ratios. This program covers how capitalization (“cap”) rates are derived and their role in the income approach to CRE market value. It demonstrates (from a case study) how bankers can estimate property values as part on ongoing monitoring of CRE loans. We also cover the qualitative or non-financial issues that affect CRE performance, including re-lease and rollover risk. Specific subjects that will be covered during the seminar: Understanding cap rates and how they are used to link cash flow to property value Using cap rates along with the cash flow 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 Six non-financial or qualitative risks with CRE lending (re-lease and roll-over risk, for example) Other characteristics of CRE that affect ongoing property value 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 Related GSB Online programs/topics: CRE Lending: Developing a Cash Flow and Key Ratios CRE Lending: Issues with Property Types & Lease Structures CRE Lending: Developing a Global Analysis of Property Holdings Read More

Presenter: Richard Hamm This 90-minute program will be presented live on: October 20, 8:30-10:00 a.m. Central Time Recording available through: January 20, 2021 Price: $275   Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios. 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 developing CRE cash flow. This program demonstrates (from a case study) the key variables and concepts for determining real estate cash flow, including transaction-level stress-testing and where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls. 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 Using tax return schedules and customer rent rolls Transaction-level stress-testing of debt service coverage (DSC) and loan-to-value (LTV) 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 Related GSB Online programs/topics: Commercial Real Estate Cap Rates and Factors Beyond Debt Coverage and Loan-to-Value CRE Lending: Issues with Property Types & Lease Structure CRE Lending: Developing a Global Analysis of Property Holdings Read More

Presenter: Richard Hamm This 90-minute program will be presented live on: November 10, 8:30-10:00 a.m. Central Time  Recording available through: February 10, 2021 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 Related GSB Online programs/topics: Developing a Commercial Real Estate Cash Flow and Key Ratios Commercial Real Estate Cap Rates and Factors Beyond Debt Coverage and Loan-to-Value CRE Lending: Issues with Property Types & Lease Structures Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: November 3, 8:30-10:00 a.m. Central Time Recording available through: February 3, 2021 Price: $275   Which property types have unique analytical ratios? Hotels with RevPAR and ADR come to mind. What is a cotenancy clause in a retail lease, and how can it affect the property owner? This program covers important factors in evaluating commercial real estate (CRE), including the ways many property types are somewhat unique, having different metrics and terminology. How about tenant mix and gross space versus rentable space? In addition to cotenancy clauses, what are some typical covenants that a landlord must adhere to? What are typical covenants placed on the tenant? This program also covers key features and components of commercial lease agreements. Specific subjects that will be covered during the seminar: Unique characteristics of the major types of real estate Differences in terminology, metrics and documentation with certain property types Key features and components of commercial leases Strategies for reviewing leases and as part of underwriting and loan monitoring How your loan documents may prohibit changes and/or renewal of leases without bank consent 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 Related GSB Online programs/topics: CRE Lending: Developing a Commercial Real Estate Cash Flow and Key Ratios CRE Lending: Cap Rates and Factors Beyond Debt Coverage and Loan-to-Value CRE Lending: Developing a Global Analysis of Property Holdings Read More

Presenter: Greyson Tuck, Gerrish Smith Tuck, Consultants and Attorneys This 60-minute program will be presented live on: November 19, 10:00-11:00 a.m.. Central Time Recording available through: February 19, 2021 Price: $225 The current economic crisis has many banks wondering how it is that they may raise additional capital, should it be needed. This webinar will specifically address capital raising alternatives for community banks. The webinar will discuss opportunities to utilize the bank holding company to increase bank capital, as well as opportunities to increase capital through the sale of equity. The webinar should not be missed by any bank that is considering alternatives to increase capital for any strategic reason. Target Audience: Executive officers and their teams Read More

Get these programs together at a discount: Business Financial Statements & Tax Returns: Financial Statement Components, Structures and Levels of Account Involvement      Live on November 24, recording available through February 24, 2021 Business Financial Statements & Tax Returns: Cash vs. Accrual Accounting Refresher      Live on December 1, recording available through March 1, 2021 Business Financial Statements & Tax Returns: Creating a Business Tax Return and Comparing/Mapping to a Conventional Financial Statement      Live on December 8, recording available through March 8, 2021 Business Financial Statements & Tax Returns: Developing and Analyzing Key Ratios      Live on December 15, recording available through March 15, 2021 Read More

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