The GSB Online Seminar Series

Presenter:  Aaron Lewis, Young & Associates This 90-minute program will be presented live on: May 4, 2:00-3:30 p.m. Central Time Recording available through: August 4, 2021 Price: $275   Lending to churches and other nonprofit organizations can be a meaningful activity in promoting the bank within the communities it serves, provide for exposure to broader audiences influenced by the nonprofit organization, and support community activities and organizations that have meaningful societal impact. Lending to churches and nonprofit organizations, however, does not come without risk. This insightful presentation will provide lending personnel involved in church and other nonprofit lending activity with valuable information pertaining to the assessment of the church or nonprofit, including critical information to be collected. This session will cover: Benefits and risks associated with lending to churches and other nonprofit organizations Nonprofit accounting standard Tax Return Form 990 Underwriting and lending to churches and nonprofit organizations including critical information collection Target Audience:  This presentation is intended for lending department personnel with responsibility for originating, underwriting, and/or approving loans to churches and other nonprofit organizations. Read More

Presenter: Greyson Tuck, Gerrish Smith Tuck, Consultants and Attorneys This 60-minute program will be presented live on: March 31, 10:00-11:00 a.m. Central Time Recording available through: June 30, 2021 Price: $225   Many community bank common stocks do not have true market liquidity, which is the ability of the shareholder to convert their shares to cash at a fair price in a timely manner. This webinar will present several different specific liquidity strategies for illiquid stocks. The webinar will present practical, informative and in-depth discussion on use of the bank holding company, ESOPs and KSOPs and other liquidity strategies that community banks can employ to ensure their shareholders enjoy true liquidity in the investment, in the event it is needed.   Target Audience: Executive officers and their teams Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented on: Recorded Session Recording available through: July 20, 2021 Price: $275   Do you know the difference between an affirmative covenant and a negative covenant?  What is the concept of constructive forbearance?  Commercial lenders actively use loan agreements in almost all lending situations, ever since digital document systems eliminated the time-consuming effort to create loan document from scratch of from manual templates.  Unfortunately, this automation has led to less understanding of the content of loan agreements and the “art” of crafting financial covenants. This program covers the basics of loan agreements, starting with the typical structure of the document and the roles of financial and non-financial covenants (some covenants achieve more than one objective).  Together with carful loan structuring, a properly crafted loan agreement better matches the customer’s needs and contributes to the efficiency of the lender’s portfolio.   This seminar provides bankers with a working knowledge of the basic principles of loan agreements, including: Understanding the primary sections and goals of a loan agreement Identifying the objectives of loan covenants and how some covenants achieve more than one objective Digging deeper into events of default and remedies and how they determine your possible courses of action when problems arise Reviewing practical tips for setting covenants, such as aligning them with key risks identified in the credit Identifying some commonly negotiated areas and related positions/options for the bank   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: Greyson Tuck, Gerrish Smith Tuck, Consultants and Attorneys This 60-minute program will be presented live on: April 21, 10:00-11:00 a.m. Central Time Recording available through: July 21, 2021 Price: $225   This webinar will explore the fundamental strategies for remaining an independent community bank in a consolidating environment. Learn about the necessity of being proactive, setting forth a strategy of independence, focusing on core profitability, ensuring your bank has the optimal organizational structure, appropriately dealing with management and board succession, and other issues. This fast-paced session will present the tools your bank needs to plan and prepare for independence in the future.   Target Audience: Executive officers and their teams Read More

Presenter:  Aaron Lewis, Young & Associates This 90-minute program will be presented live on: April 21, 2:00-3:30 p.m. Central Time Recording available through: July 21, 2021 Price: $275 The identification and management of loans considered to be troubled debt restructurings has provided bankers with frustration, especially since the broad use of modifications stemming from the 2008 recession. This frustration, which continues today, has caused a number of banks either to not report TDRs, account for them incorrectly or avoid needed modifications altogether in order to avoid the topic. This presentation will take the mystery out of TDR management and provide the attendee with a greater degree of confidence as they manage credits considered to be TDR. Topics to be covered include: Properly identifying loans considered to be TDR Including circumstances where a modification might not be considered a TDR Managing TDR including Risk Rating Accrual Status Impact on the ALLL – including credits considered collateral-dependent and not collateral-dependent Brief commentary regarding troubled debt restructurings and the Current Expected Credit Loss (CECL) model Regulatory Reporting Addressing the common phrase: ‘Once a TDR, Always a TDR? – is this true? Discussion regarding Section 4013 modifications and relationship to TDR reporting as prescribed in the CARES Act Target Audience: This presentation is intended for personnel involved with the restructuring or modification of credits which could be identified as TDR including those responsible for the reporting of TDR and its impact on the Bank’s ALLL. Read More

Presenter:  Rob Newberry, Abrigo This 60-minute program will be presented live on: April 8, 2:00-3:00 p.m. Central Time  Recording available through: July 8, 2021 Price: $225   The coronavirus pandemic has had huge impacts on several key factors that drive the Ag industry.  Processing and distribution channel interruption and changes in supply and demand have created significant price fluctuations across the ag industry.  Understanding the underlying credit risk in your ag portfolio will be key moving forward.  In this 60 minute session, we will take a quick look at what is currently going on with economic conditions that is impacting credit risk to ag lenders.  We will also discuss what are some of the most common ratios and metrics being used to assign credit risk and techniques you can implement to stress test your ag loan portfolio.   Target Audience:  Ag lenders, commercial lenders, credit anaylsts Read More