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 & Training This 90-minute program will be presented live on: March 23, 8:30-10:00 a.m. Central Time Recording available through: June 23, 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 Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented : Recorded Session Recording available through: July 27, 2021 Price: $275   This program covers how to calculate and analyze the basic set of financial statement (or tax return) ratios for operating businesses.  Preliminary steps (covered in related programs) include understanding the types of financial statements and level of accountant involvement, distinguishing between cash and accrual accounting methods, and the unique format and features of business tax returns.  We now turn to the four primary sets of ratios: (1) liquidity, (2) leverage, (3) profitability, (4) efficiency, and (5) debt coverage.  Using a comprehensive case, calculations are demonstrated, as wells as major issues, strengths and limitations of the various ratios.  Participants will work from a ratios reference guide that is intended to be a resource for future statement spreading. Topics to be covered include:   Basic guidelines for classifying and spreading the data Identify the key components of a balance sheet Calculate liquidity and leverage ratios for an example business and interpret the results Identify situations with positive or negative working capital Describe common-sizing of the balance sheet Identify the key components of an income statement Calculate profitability and traditional cash flow measures for an example business and interpret the results Calculate efficiency and debt coverage ratios for an example business and interpret the results Explain the use of industry and comparative data within financial analysis   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

Presenter: Ann Knutson, Bank Five Nine This 60-minute program will be presented live on: March 25, 10:00-11:00 a.m. Central Time Recording available through: June 25, 2021 Price: $225   Research shows that when people are emotionally intelligent—that is, they are aware of their feelings and are able to manage their emotions—they are better equipped to confront challenging issues and manage change. But did you know emotional intelligence can also lead to greater success in the workplace? The good news is it’s a skill that can be improved with the proper training and practice.   In program, you will learn: The most common definitions of emotional intelligence Information about the most validated tests or measures of emotional intelligence Strategies to improve yours and others’ emotional intelligence The importance of emotional intelligence at work   Target Audience: Human resource officers, supervisors, CEOs Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented on: Recorded Session Recording available through: July 27, 2021 Price: $275   It has been said that nothing exposes the intellectual abilities of a loan officer like a credit write-up, because writing is a reflection of thinking.  And not just for loan officers, but for credit analysts, portfolio managers and others that deal with business and commercial loans. Many facets of lending are difficult to explain, especially when put into writing.  This program is centered around basic writing principles, but applied to lending.  It explores the process using five Ps.  Within the thought process and planning, there are two Ps: (1) Purpose and (2) preparation.  Within “getting it done” there are three more Ps: (3) Putting it all together, (4) Polish and (5) Pizzazz: Purpose Identifying what you want the reader to do Determining your (almost always) multiple audiences Preparation Recognizing the eight qualities of effective writing Communicating efficiently using “cover pages” Determining what supporting evidence is needed in the memorandum Finding the best format Putting it all together Identifying the unique issues in communicating data and quantitative information Outlining prior to drafting Data tables are not analysis Polish Before and after example Using white space and formatting conventions Lender liability issues Pizzazz Getting the reader’s attention Making sure that the reader does not miss key points Every package tells a story   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

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

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