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:  Aaron Lewis, Young & Associates This 90-minute program will be presented live on: October 21, 2:00-3:30 p.m. Central Time Recording available through: January 21, 2022 Price: $275 The annual or periodic review of loans is generally required and favored across all agencies as part of an institution’s ongoing loan portfolio monitoring practice.  Quality portfolio management includes the periodic assessment of credit risk over the life of a loan, including the adjustment of risk ratings as deemed appropriate based on the evolving level of risk inherent in a credit over time. We answer several frequently asked questions such as:  “Why do we need to perform annual reviews when our regulators have never required us to do so”?  “How do we find the time and staff to complete reviews”?  “We know our customers so well, what purpose would an annual review serve”? A discussion of how annual reviews fit into the continuum of lending risk management from origination to the ALLL. To include several aspects of the annual review process including: Appropriate commercial loan portfolio coverage (parameters to establish meaningful penetration of the institution’s total non-consumer loan portfolio) Identification of loans for review – how to effectively flag relationships to be reviewed by size, risk/collateral category, concentrations, etc. The monitoring and tracking of the universe of loans to be reviewed and methods to maintain a timely review schedule Recommended review contents, i.e. cash flow analysis, collateral value review, site inspections, guarantor financial analysis and credit reports, etc. We will discuss differing approaches to primary sources of repayment, including the importance of a forward looking analysis in projecting sustainable cash flow to service debt. The ongoing monitoring of collateral value, with an emphasis on best practices in the monitoring of commercial real estate. Validating the risk grade.  The ultimate reason for annually reviewing a credit is to assess changes to the credit’s risk profile since the loan was originally underwritten or last reviewed.  All of the above topics will be tied into the use of those conclusions within the institution’s risk grade model to accurately validate or alter the current grade and to establish awareness of weaknesses that are better proactively addressed in order to limit the risk of loss.    Target Audience: This presentation is intended for all personnel involved with the origination, underwriting, portfolio management and approval of non-consumer credits Read More

Presenter: Ann Knutson, Bank Five Nines This 60-minute program will be presented live on: September 30, 10:00-11:00 a.m. Central Time Recording available through: December 30, 2021 Price: $225 Developing a culture of recognition, one in which employees are genuinely acknowledged for their contributions, is more important than ever.  All companies face the question of how to recognize and reward their employees but few actually take the steps to create a strategy surrounding formal and informal recognition programs.  This results in lower employee engagement and higher turnover. In this 60 minutes webinar, you will: Be able to define employee recognition and understand its benefits; Understand how recognition drives culture; Be able to develop a recognition program Learn recognition best practices Be able to measure the success of your recognition programs Target Audience: Human resource officers, supervisors, CEOs Read More

Presenter: Cole Ponto, SBS CyberSecurity, LLC This 90-minute program will be presented live on: September 17, 10:00-11:30 a.m. Recording available through: December 17, 2021 Price: $275 Federal regulators require banks to maintain emergency preparedness plans, such as Business Continuity, Disaster Recovery, and Pandemic Preparedness Plans. These ensure continuity of the bank in an unlikely event a significant incident or disaster occurs. The consequences to a financial institution can be severe if proper disaster recovery and business continuity planning does not occur and continuity of business fails. In fact, many significant business continuity risks are connected directly to disasters originating from cybersecurity threats. FFIEC requirements will be at the center of our discussion, to ensure that not only the best plans are constructed, but also that regulatory compliance is achieved. This discussion demonstrates a practical approach to business continuity and disaster recovery that builds upon your IT risk assessment. We will cover topics such as: Types of incident and disaster planning Regulatory Requirements Business Impact Analyses Risk Assessment Plan Development Testing and Improving the plan Target Audience:  information security officer, IT manager, risk officer, internal auditor, and executives looking to understand expectations around business continuity risks. This program qualifies for the following CPE Credits through the SBS Institute: 1.5 CPEs*: CBBCP, CBSM, CBVM ISC2*: Estimated 1.5 hrs. CISSP.  ISACA*: Estimated 1.5 hrs. CISA/CISM/CRISC. *Self-Reporting Read More

Presenter: David Osburn, Osburn & Associates, LLC This 90-minute program will be presented live on: September 29, 10:00-11:30 a.m. Central Time Recording available through: December 29, 2021 Price: $275 This seminar will provide the banker with a basic framework of business law including the judicial process. Emphasis will be placed on how the legal system can help/harm the banker including how to avoid a lawsuit due to lender liability through maintaining both ethical behavior and effective negotiations.  A review of the stages of litigation, alternatives to litigation including arbitration and mediation, and the borrower’s business structure (from a legal perspective), will be displayed. The seminar will also cover the nature and characteristics of contracts (the promissory note), problem loan situations, and collection efforts. Additionally, banking regulations and tort reform will be discussed. This seminar will also cover the concept of lender liability including recent industry trends. This portion of the seminar will address some of the technical aspects of this often-overlooked subject. This seminar is a must for all bankers who want to better understand business law basics and avoid expensive, unwanted litigation! Topics to be covered include: The difference between law and ethics and why it matters from a lender liability standpoint Negotiations and the law The judicial process including the stages of litigation Alternatives to litigation including arbitration and mediation The borrower’s business structure and the law The nature and characteristics of contracts Problem loan litigations Collections Overview of banking Regulations Other business law issues including tort reform and its impact on the borrower Lender liability and recent industry trends Technical aspects of lender liability Target Audience: Commercial lenders, relationship managers, business development officers, private bankers, branch managers, assistant branch managers, and credit analysts Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: October 12, 8:30-10:00 a.m. Central Time Recording available through: January 12, 2022 Price: $275 Can you identify the factors that cause cap rates to increase or decrease? How can you mitigate the risk posed by properties with short leases and underlying loans with long amortizations (re-lease or rollover risk)? Whether directly financing commercial real estate (CRE) or including CRE income stream(s) in your overall credit analysis of a borrower, it is important to understand key analytical concepts in evaluating CRE beyond the cash flow and debt service coverage (DSC) and loan-to-value (LTV) ratios. This program covers how capitalization (“cap”) rates are derived and their role in the income approach to CRE market value. It demonstrates (from a case study) how bankers can estimate property values as part on ongoing monitoring of CRE loans. We also cover the qualitative or non-financial issues that affect CRE performance, including re-lease and rollover risk. Specific subjects that will be covered during the seminar: Understanding cap rates and how they are used to link cash flow to property value Using cap rates along with the cash flow 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 Six non-financial or qualitative risks with CRE lending (re-lease and roll-over risk, for example) Other characteristics of CRE that affect ongoing property value 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:  Regan Camp, Abrigo This 90-minute program will be presented live on: September 22, 2:00-3:30 p.m. Central Time Recording available through: December 22, 2021 Price: $275 New to the CECL conversation or want a refresher on the basics of the current expected credit loss model? This session is intended to provide an introductory-level overview of the Why, What and How of CECL, and assist attendees in establishing a foundational understanding of the new accounting standard.  This session will prove especially helpful for those attendees who are looking to fortify their understanding of the new standard and/or are unsure where to even start in preparing for compliance.  Key Takeaways: Establish a foundational understanding of the Why, What and How of CECL. Consider what it means to be “CECL compliant” and to what standard we should set our sights Review important considerations in selecting an appropriate model/methodology Discuss evolving best practices being established and common pitfalls to watch out for Target Audience:  CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers.  Read More

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