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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Presenter:  Dave Koch & Darryl Mataya, Abrigo This 90-minute program will be presented live on: May 6, 2:00-3:30 p.m. Central Time Recording available through: August 6, 2021 Price: $275   Without question, the most critical assumption affecting interest rate and liquidity risk is how we treat non-maturity “core deposits”.  Assigning long-term duration and less volatile pricing creates an internal hedge against rising rates.  Assigning more volatility and short durations makes risk look high.    Through the years, institutions have used many methods to assess the longevity and sensitivity of these funds.  These methods include simple regression studies to more robust analysis.  What is the right answer for your institution?  Can it change your growth and profitability in the future?   How have our newer depositors been similar or different from long-term depositors and what does this mean for your financial institution's plans for product pricing, development and overall growth strategy?   In this session we review the difference between the common core deposit study outputs used for managing interest rate and liquidity risk, from the plans for funding and growing the balance sheet in the future.  We will illustrate how critical these assumptions are to the overall risk profile of the financial institution and outline steps to better manage funding in the future.   Participants will learn: The different approaches towards assessing core deposit "lives" and their application to interest rate and liquidity analysis What are good "dashboard" metrics to employ in assessing and managing non-maturity deposit funding concerns. How to use core study outputs to build pools of funding for various asset classes How factors such as depositor age and account “vintage” impact value and volatility “Effective duration” and why is it more important that weighted average life or “duration”? How to identify different segments and opportunities to build strategies to manage in changing markets How does your study help with liquidity plans   Target Audience:  CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: April 20, 8:30-10:00 a.m. Central Time Recording available through: July 20, 2021 Price: $275   This program unlocks the key issues in analyzing business tax returns by creating a business tax return from a conventional financial statement.  This shows the major formatting differences and ways balance sheet accounts and income statement items are labeled differently in a tax return.  It also reveals the functions of the various schedules.  By using a pass-through entity, we further see how the tax return carefully segregates items that move to an owner’s personal tax return via the Schedule K-1.  A final step is creating a chart that “maps” a financial statement to both pass-through entities and a regular corporation.   After this seminar, attendees will be able to:   For an example business (case), construct a tax return balance sheet (Schedule L), income statement, Schedule M-1 and Schedule M-2 on the cash basis Identify key formatting differences between a conventional financial statement and a tax return Describe how pass-through entity tax returns separate various income statement items for purposes of allocating them to the owner(s) personal tax returns On the Schedule K-1, identify the pass-through items that involve cash, compared to pass-through items that do not involve cash Describe the common relationship between pass-through income and distributions to the owner(s) Create a chart to compare and align financial statement components to the appropriate tax return schedules   Target Audience:  Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, consumer lenders, branch managers that lend to business owners, private bankers, special assets officers, loan review specialists and others involved in business and commercial lending Read More

Presenter: Richard Hamm, Advantage Consulting & Training This 90-minute program will be presented live on: March 23, 10:30 a.m.-12:00 p.m. Central Time Recording available through: June 23, 2021 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: April 20, 1:00-2:30 p.m. Central Time Recording available through: July 20, 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 Read More

Presenter:  Eric Chase, SBS CyberSecurity, LLC This 90-minute program will be presented live on: March 26, 10:00-11:30 a.m. Central Time Recording available through: June 26, 2021 Price: $275   The 2019 Verizon Data Breach Investigations Report suggests 96% of breaches involve phishing emails. In 2018 the report suggested that 78% of employees can go a whole year without clicking on a phishing email, but that 4% of employees will click on every one. With hundreds of thousands of people working in financial institutions around the country, we have a high potential level of risk. Cybercriminals have also weaponized tools into phishing emails that can compromise our systems and takeover control. Phishing campaigns have been automated and are distributed as a service “crime-as-a-service” to other cybercriminals looking for repeatable processes to conduct mass scale phishing campaigns. Considering the high probability of people to fall victim and the damaging destruction phishing can cause, it positions phishing as a digital weapon of mass destruction.   This discussion will highlight the advancements in cybercrime and social engineering that are targeting our people resources. Best practices will be discussed for processes necessary to improve the weakest links in our institutions. With a reliable process, we can measure the level of risk and implement effective risk mitigating controls.   This presentation will cover the following areas/topics: Trends in Cyber Security Attacks Social Engineering – what you need to know Latest Phishing Scams Logical controls to reduce risk around people Creating positive cybersecurity culture Deploying continual and ongoing educational programs Unique ideas on educating people Automated phishing tests   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: May 11, 10:00-11:30 a.m. Central Time Recording available through: August 11, 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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