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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Get these programs together at a discount: Administering and Monitoring Residential Construction Loans - September 28 Analyzing Personal Financial Statements and Loan Applications - November 23 Overview of Credit History and the Role of Collateral - November 30 Overview of Residential Mortgages and Home Equity Lending - December 7 Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: March 29, 1:00-2:30 p.m. Central Time Recording available through: June 29 2022 Price: $330 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 Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: April 5, 1:00-2:30 p.m. Central Time Recording available through: July 5, 2022 Price: $330 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: April 12, 1:00-2:30 p.m. Central Time Recording available through: July 12, 2022 Price: $330 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: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: February 22, 10:30 a.m. - 12:00 p.m. Central Time Recording available through: May 22, 2022 Price: $330 An important part of the commercial real estate (CRE) lending process is the review and interpretation of the property appraisal. This program focuses on the three approaches to value that drive the report. We’ll look at both direct capitalization and discounted cash flow (DCF) for the income approach, including key variables and ways an appraiser’s work may differ from your bank underwriting. The cost approach has benefits to the lending process – benefits that seldom are used. Comparables seem simple, but most bankers do not pose a key question that drives the selection of comps. Finally, some reports develop valuations based on the total enterprise. Specific subjects that will be covered during the seminar: Key variables in the direct capitalization methodology as an income approach to value Why the appraisers cash flow may not (and probably should not) match your underwriting and subsequent reports or financial statement from your customer The role of “rules of thumb” in direct capitalization Identify situations where discounted cash flow (DCF) is appropriate, with an income-producing property and a residential subdivision as examples Three key aspects of depreciation within the cost approach Two items in the cost approach that can enhance your bank’s underwriting The key question that underpins all other factors with comparables Valuation approaches that include the entire business, not just the bricks and mortar 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: March 1, 10:30 a.m. - 12:00 p.m. Central Time Recording available through: June 1, 2022 Price: $330 Have you ever been faced with two appraisals done within just a few months, but reach very different values for the same property? Bankers usually focus first on the approaches to value, especially the comparables and also the cap rate or vacancy rate used within the income approach. A group of appraisal sections outside of the approaches to value often hold the clues to why two different value were achieved. This program looks at these other sections and how to effectively analyze them as part of the appraisal review process. Specific subjects that will be covered during the seminar: Why the ownership interest (fee simple, leased fee, etc.) matters and can change the income approach conclusion Key components of highest and best use, and the conclusion does not always match your borrower’s plan or the existing use of the property Don’t skip over the assumptions and limiting conditions as so much “boiler plate” Identify the difference between hypothetical conditions that you need versus those to avoid Why area and economic data should be somewhat similar among different property types in your market, and why some data should be uniquely tailored to the subject’s property type Other common appraisal deficiencies 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

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