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: Consumer Lending: Analyzing Personal Financial Statements and Loan Applications plus Key Ratios      November 24, recording available through February 24, 2021 Consumer Lending: Overview of Credit History, Role of Collateral and Other Factors      Live on December 1, recording available through March 1, 2021 Consumer Lending: Overview of Residential Mortgages and Home Equity Lending      Live on December 8 recording available through March 8, 2021 Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: September 29, 8:30-10:00 a.m. Central Time Recording available through: December 29, 2020 Price: $275 The 2008-2009 downturn in commercial real estate (CRE) exposed many weaknesses in bank construction lending practices.  Since that time, residential construction lending continues to expand slowly, along with the economy, with remodeling maintaining a large share of projects.  Into 2020, housing starts have increased, yet construction firms report labor shortages in many skill categories.  This program provides an overview of the major issues involved in consumer or residential construction lending, primarily to individuals having a home built or remodeled.  Topics to be covered include: What is construction risk and how is it mitigated? Differences between residential and commercial construction loans What additional due diligence is needed, beyond a conventional mortgage application and underwriting? Full construction vs. repair/remodel Construction contract and cost estimate issues (Description of Materials form) Contractor credentials and qualifications Plans and drawings Survey Title insurance Appraisal issues Loan pricing and structuring Typical interest rate and fees Construction loan agreements Issues with draws and inspections, including cost over-runs and lien priority How is the construction loan going to end (get repaid)? Target Audience:  Consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers involved in the consumer lending process.  Also intended for support personnel involved in the administration of residential construction loans. Related GSB Online programs/topics: CRE Lending: Issues in Underwriting Construction Loans and Determining Key Risks CRE Lending: Administering and Monitoring Construction Loans Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: November 24, 1:00-2:30  p.m. Central Time Recording available through: February 24, 2021 Price: $275 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 Related GSB Online Programs: Consumer Lending: Beyond the Ratios and into Credit History, Role of Collateral and Other Factors Consumer Lending: Overview of Residential Mortgages and Home Equity Lending Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 1, 1:00-2:30  p.m. Central Time Recording available through: March 1, 2021 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 Related GSB Online Programs: Consumer Lending: Analyzing Personal Financial Statements and Loan Applications, Plus Key Ratios Consumer Lending: Overview of Residential Mortgages and Home Equity Lending Read More

Presenter:  Richard Hamm, Advantage Consulting and Training This 90-minute program will be presented live on: December 8, 1:00-2:30  p.m. Central Time Recording available through: March 8, 2021 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 Related GSB Online Programs: Consumer Lending: Analyzing Personal Financial Statements and Loan Applications, Plus Key Ratios Consumer Lending: Beyond the Ratios and into Credit History, Role of Collateral and Other Factors Read More

Presenter:   Nan Gesche, University of Minnesota This 90-minute program will be presented live on: November 18, 2:00-3:30 p.m. Central Time Recording available through: February 18, 2021 Price: $275   It isn’t always about how smart you are, rather how effective you are in creating powerful conversations to build trusting relationships and mutual success.  Business at its core is about people connecting with people, with everything happening thru conversations.  Sharing and challenging different perspectives comes with the territory of moving up the ladder.  Yet authentic communication can be a challenge, and if done poorly, can lead to miscommunication, lack of trust, and poor collaboration between team members.  If you tend to put off business conversations and want to expand your conversation skills to help you create buy-in for your ideas, make better-informed decisions and obtain committed action from others, this seminar is for you.  Objectives: After attending this session, our goal is for you to answer “yes” to the following statements: I understand how to prepare for almost any conversation I can express my thoughts and feelings in ways that makes others appreciate the conversation I can build relationships with integrity to position myself for career success Target Audience: Any individual wanting to further their communication skills Read More

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