Tag Archive for: GSB

Posts

Triangle Background
, , ,

Strasser Joins GSB-Wisconsin Sales & Marketing School Faculty

Kathy Strasser, EVP – chief operating officer/chief information officer of IncredibleBank in Wausau, will join the faculty of the Sales and Marketing School — a specialty school offered by the Graduate School of Banking at the University of Wisconsin – Madison.

The school — especially designed for marketing, sales, business development and senior managers in banking — has received top marks from past participants and will be next held September 25–29, 2023, at the Fluno Center, in Madison.

Strasser joins a vibrant faculty led by program coordinator Jack Hubbard, chief experience officer of Jack Hubbard Consulting in Elgin, Illinois. “We are very excited that Kathy will be sharing her many talents and great expertise with our students in September,” said Hubbard.

Strasser, who also serves on the faculty of the GSB Digital Banking School, expressed enthusiasm about the opportunity to participate in the Sales and Marketing School.

“Community banks are the backbone to the communities that we live and serve in and are vital to the overall economy, which is why I’m excited to be part of the faculty at the Graduate School of Banking in Wisconsin. GSB continues to develop leaders for today and tomorrow, ensuring continued success of community banks,” said Strasser, adding “With the market and technology changing faster than ever, as a member of the faculty, my goal is to helping bankers think differently and move faster, leveraging examples from our ongoing evolution and success at IncredibleBank.”

Enrollment is currently open for the 2023 Sales and Marketing School; for details and online application, visit wisbank.com/events/gsb-sales-and-marketing-school.

/by

Events

, , , , , , , ,

GSB – Graduate School of Banking

Since 1945, the Graduate School of Banking at the University of Wisconsin-Madison (GSB) has helped develop banking leaders through a program of advanced management education. Today, GSB is widely recognized as the nation’s leading and most progressive banking school, offering a comprehensive course of study that focuses on meeting the changing needs of today’s bank manager. GSB is the only graduate banking school in the nation that relies on its alumni, Banker Advisory Board and Academic Committee to create an unparalleled learning and networking experience. GSB is sponsored and governed by the Central States Conference of Bankers Associations in partnership with the University of Wisconsin-Madison, and has been the school of choice for more than 23,000 bankers, with good reason.

GSB students acquire a broad knowledge and understanding of major bank functions and their interrelationships and develop the skills required to lead and manage effectively. The school’s curriculum reflects the contemporary trends impacting the financial services industry. Core courses address broad areas of finance, marketing, management and the environment in which banks operate while elective courses allow students to customize their learning experience. Graduates of the GSB program also receive the prestigious Certificate of Executive Leadership from the Wisconsin School of Business Professional and Executive Development — the highest level certificate they offer.

Over the course of 25 months, through a mix of lectures, bank simulations, case study discussions and hands-on projects, you will learn to:

  • Retain your best customers
  • Increase your market share
  • Analyze market conditions to effectively manage risk
  • Achieve a sustainable competitive advantage
  • Utilize technology effectively to improve performance
  • Improve bottom-line results
  • Manage change through agile leadership

Our curriculum allows mid-to-senior-level managers to push beyond theory and put key concepts to work in the real world — to challenge assumptions, develop critical thinking skills and gain necessary leadership acumen. Here’s how it works:

  • Lectures, small group discussions, computer simulations, case studies and projects round out the learning experience
  • Three two-week sessions cover a broad range of topics — not just theories and models, but real banking issues
  • Intersession projects reinforce and apply the knowledge acquired in the resident sessions; assignments are customized to students’ organizations
  • GSB faculty — 90% of whom are current or former bankers — bring real-world examples into the classroom with practical and usable approaches that can be implemented immediately by the organization
  • Team-building and networking among students and instructors provides a life-long pool of resources for graduates
  • GSB’s state-of-the-art FiSim bank management simulation serves as the capstone course where students ‘put it all together’ and experience the challenge of managing the bank

When: July 30–August 11, 2023

Enrollment Deadline: June 15, 2023

Program Fee: $5,425

*Scholarship available through the WBA. Click here for details*

/by
, , , ,

GSB – Hiring for the Right Fit

This program will step you through the best practices of hiring for the right fit. Being intentional about training managers and supervisors on the hiring process is key to creating stellar teams.

What’s our end game? Hire right, coach great, and build strong teams. This program will step you through the best practices of hiring for the right fit. Being intentional about training managers and supervisors on the hiring process is key to creating stellar teams.

Raise the bar when it comes to best practices for hiring for the right fit. Aimed at management and anyone that is involved in the hiring process, the interview, and selection of new hires.

What You will Learn:

  • How to set the tone for success — seeing everything through the lens of the candidate
  • Establishing desired attributes for the individual positions we are hiring for
  • Preparation involved in conducting interviews
  • Learning from recent hire decisions — are the right people or the wrong people leaving?
  • Understanding the importance of being an employer of choice
  • Considering cultural fit in the hiring decision
  • Best practices related to the candidate evaluation process

Target Audience: Human resource officers, supervisors, CEOs

Presenter: Vicki Kraai, InterAction Training

Registration Option: Live presentation $330

Recording available through March 1, 2023

/by
, , , ,

GSB – A Passion for Women in Leadership — Encouraging the Next Generation of Women Leaders

Banking needs strong women leaders in the industry! Encourage the next generation of women leaders at your bank to take their leadership role boldly and confidently into the future with this inspiration program. Marcia Malzahn shares her successes and struggles as she navigated through the financial services world — not only as an immigrant but as a woman leader. She shares why she’s so passionate about helping other women leaders succeed and encourages attendees to take their leadership role seriously and inspires them to lead with boldness and confidence.

Learning objectives for your attendees:

  • Traits of successful leaders — including how to be a successful follower.
  • Life balance and success — Ten tips to help you achieve balance in your life.
  • Keys to become a successful woman leader

Target Audience: Any women that aspires to become a stronger leader

Presenter: Marcia Malzahn, Malzahn Strategic

Registration $330

Recording available through: February 8, 2023

/by
, , , ,

GSB – Emotionally Intelligent Leadership

Recent studies have shown emotional intelligence to be a key factor in leadership effectiveness. Emotionally intelligent leaders of teams create psychologically safe workplaces that lead to improved employee job satisfaction, retention, creativity, performance and well being.

Session Highlights

  • Explain what emotional intelligence is and the difference between IQ and EQ
  • Review the 5 key components of emotional intelligence
  • Understand why emotionally intelligent leaders are more effective
  • Explain the role of emotional intelligence in building high-trust relationships
  • Review strategies to motivate and response to the needs of your teams
  • Use emotional intelligence to become a more effective leader
  • Leave you with some everyday tools to use in your leadership journey

Target Audience: Anyone who is in a leadership position

Presenter: Vicki Kraai, InterAction Training

Registration Option: Live presentation $330

Recording available through February 4, 2023

/by
, , , , , ,

GSB – Commercial and Industrial (C&I) Lending in Today’s Competitive Market

This seminar will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure.

The training session will also cover underwriting C&I loans including accounts receivable assessment and the use of a Borrowing Base Certificate (basic and advanced models), the valuation and quality of inventory, and the analysis of various equipment-related issues in lending. This portion of the seminar will also cover the proper evaluation of the borrower’s financial statements.

Additionally, the seminar will cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The seminar will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market.

Objectives:

  • Review C&I lending
  • Discuss C&I loan products and their typical structure
  • Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing
  • Analyze the Borrowing Base Certificate (BBC)
  • Evaluate the borrower’s financial statements
  • Review the documentation, collateral, pricing, and managing of C&I loans
  • Develop the marketing of C&I loans in today’s economy

Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers

Presenter
David Osburn, Osburn & Associates, LLC

Registration Option
Live presentation $330

Recording available through February 28, 2023

/by
, , , , , , ,

GSB – Consumer Lending: Overview of Residential Mortgages and Home Equity Lending

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

Presenter
Richard Hamm, Advantage Consulting & Training

Registration Option
Live presentation $330

Recording available through March 6, 2023

/by
, , , , , , ,

GSB – Consumer Lending: Overview of Credit History and the Role of Collateral

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

Presenter
Richard Hamm, Advantage Consulting & Training

Registration Option
Live presentation $330

Recording available through March 1, 2023

/by
, , , , , , , ,

GSB – Commercial Lending: Improving Commercial Loan Pricing and Profitablity

With intense competition to capture loans, now more than ever it is important to have a strategic approach to loan pricing.  This includes adequately covering your bank’s costs and meeting profit objectives. It also includes differentiating loan interest rates to reflect relative risk, plus knowing that you CAN win the borrower’s business on a basis other than the lowest price. So, improving your banks loan pricing and profitability has three key steps:

  1. Understanding how your bank’s financial structure and performance creates advantages and disadvantages. It all starts with the loan-to-deposit ratio, then extends to the various metrics that drive calculating the profitability of loans, in terms of return on equity (ROE).
  2. Knowing these key variables, the next element is scouting the competition. Uncertain times bring confusion to a competitive market. We’ll cover several ways to do this. No more complaining that the competition did something foolish, because usually they did not.
  3. Sharpening your bidding skills comes next. Most pricing situations effectively are bid situations, whether you know it or not. We’ll cover several strategies to use.

Topics to be covered include:

  • The key variables that determine loan profitability, plus a simple calculation example
  • Using each variable to uncover possible advantages and disadvantages your bank may encounter with your competitors
  • Understanding that it is not a “level playing field” when you compare to non-bank competitors
  • Obtaining premiums (yes, you can)
  • Options, options, options are your friend
  • Being proactive
  • Keeping the economic cycle in mind

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

Presenter
Richard Hamm, Advantage Consulting & Training

Registration Option
Live presentation $330

Recording available through March 13, 2023

/by
, , , , , , ,

GSB – Consumer Lending: Analyzing Personal Financial Statements and Loan Applications

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

Presenter
Richard Hamm, Advantage Consulting & Training

Registration Option
Live presentation $330

Recording available through February 22, 2023

/by
, , , , , , , , ,

GSB – Business Financial Statements and Tax Returns: Components of Business Financial Statement and Tax Returns

Analyzing business financial statements and tax returns starts with understanding the basic components of the balance sheet and income statement, along with the reconciliation of retained earnings, plus footnotes and other disclosures. The business tax return is nothing more than a financial statement with similar components, but with a different format and structure. A second step is to use a diagram, with the components in rough proportion to dollar size, to see how the components “flow” together and interact to create three major financial relationships: (1) Sales to total assets, (2) profit retention, and (3) leverage. A third step is to identify and understand the key principles underlying the three primary methods of accounting, followed by examining an accountant cover letter, if applicable.

Topics to be covered include:

  • Identify various financial statement analysis options and tools, plus the basic structure and purposes of financial statements and tax returns
  • Diagram the statement components and how they flow together and create three major relationships
  • Identify various levels of accountant-prepared financial statements (compilations, reviews, and audits) and related accountant cover letters
  • Describe key issues in using internal or company-prepared statements, as well as interim statements
  • Compare and contrast the three primary methods of accounting
  • Key standards, limitations, and alternatives within accrual accounting or generally accepted accounting principles (GAAP)

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, and special assets

Presenter
Richard Hamm, Advantage Consulting & Training

Registration Option
Live presentation $330

Recording available through February 22, 2023

/by
WBA logo

questions@wisbank.com

608-441-1200

4721 S Biltmore Ln.
Madison, WI 53718

Get our Newsletter!
Subscribe