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: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: November 30, 1:00-2:30 p.m. Central Time Recording available through: February 28, 2022 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 Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: October 26, 10:30 a.m.-12:00 p.m. Central Time Recording available through: January 26, 2022 Price: $275 An important part of the commercial real estate (CRE) lending process is to establish the value of the collateral, and in many cases, the value does not need to come from a new appraisal. This program reviews  these options that have been in place since the initial set of interagency appraisal guidelines in 1994. These options typically involve work internally by bankers. At the other end of the spectrum, some projects are very risky or the dollar amount warrants a review of the valuation by third-party appraiser. How does that work and what can bankers learn from the review appraiser’s approach? Specific subjects that will be covered during the seminar: General situations where an appraisal is not required (exemptions) Options for determining value when the loan is exempt from requiring a new appraisal Situations where portfolio or market conditions might warrant a new appraisal, even in an exempt situation Regulatory requirements for internal evaluations and a sample form Key components in validating an existing appraisal and a sample form Two situations that make a validation a difficult option Types or levels of reviews: Administrative/compliance, technical, and third party Practical suggestions for setting loan-size limits to trigger the levels of review Sample comments from a review by a third-party appraiser, and how these observations often differ from typical banker review points – what can bankers learn from the third-party approach? Practical issues with finding appraisers to do reviews and/or appraisal management companies (AMCs) What is Uniform Standards of Professional Appraisal Practice (USPAP) Standards Rule 3? Review outcomes, and ideas on when and how to request revisions or corrections to the report Target Audience: CRE lenders, commercial lenders, mortgage bankers, private bankers, small business 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: December 7, 1:00-2:30 p.m. Central Time Recording available through: March 7, 2022 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

Get these programs together at a discount: Focus on Sole Proprietorships, Rental Property and Farms - October 5 Focus on Pass-Through Entities and Schedule K-1s - October 12 Focus on Global Cash Flow as an Underwriting Tool for Business Owners - October 19 Advanced Personal Cash Flow Issues, Including Capital Gains - October 26 Read More

Presenters:  Darryl Mataya, Abrigo This 90-minute program will be presented live on: October 28, 10:00-11:30 a.m. Central Time Recording available through: January 28, 2022 Price: $275 Market rate uncertainty, credit risk concerns, and borrowers wanting longer-term loans are just some of the pressured facing financial institutions today as they look for quality lending opportunities to support overall margin levels.   Risk avoidance, or improperly assessing those risks can lead to suboptimal loan yields and margins in the years ahead.  Of worse, insufficient earnings to cover the real risks and costs of decisions implemented.  Too often, loan pricing discussions focus on metrics and approaches that ignore the realities of the moment.  Pricing a loan in times of tight liquidity and high demand is very different than when the financial institution is flush with liquidity.  In this session we will outline why many approaches to pricing fail by starting out with the wrong pricing approach.  Instead, we will present a pricing  approach and analytical framework that adapts to conditions, assesses the risks and costs, and provides the foundation for "relationship pricing". Attendees learn: The two primary measures to assess loan pricing profitability How to integrate internal costs of lending into the pricing equation The impact of balance size, amounts drawn on lines, and other critical assumptions to overall profitability Best practices approach to assessing funding costs for new loan offerings How to compare different loan terms and options to find the "most profitable" options under different markets How to incorporate other relationships into an overall relationships profitability view 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: December 7, 10:00-11:30 a.m. Central Time Recording available through: March 7, 2021 Price: $275 Attend this seminar to learn how to better manage problem loans and protect the rights of the bank in today’s market! The seminar will begin with a review of the basics of how a commercial loan request should be processed in today’s market i.e. avoiding problem loans. This will include a brief review of correct business structure, the six elements of proper loan structure, and the four aspects of adequate loan support. The seminar will then focus on what happens when a good loan turns into a bad loan i.e. the market has now turned down, tenants have left, and the payments are severely delinquent. What should the bank do and not do at this point in time? This question will be answered by addressing the legal rights of the bank and the practical steps that the bank should take in order to protect itself. This will include the collection process, restructuring the loan, and/or proceeding against the borrower through repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or simply walking away. This section will also include the outside influence from the banking regulators.  The seminar concepts will be summarized through case studies. Program Topics: Review the management of problem loans Process a commercial loan in today’s market-correct business structure, loan structure, and loan support Face the reality that some loans go bad Determine the bank’s strategy in protecting itself-collections, restructuring the loan, repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or walking away Assess outside influence by the banking regulators Apply the concepts through case studies   Target Audience:  Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers Read More

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