Tag Archive for: GSB

Events

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GSB – Advanced Cash Flow Analysis

This program will explore multiple models of both business and personal (business owner) cash flow analyses.

The session will begin with the business traditional EBITDA cash flow and personal cash flow of the business owner (using the 1040 tax return, including tax schedules and K-1s, and the personal financial statement). Additionally, the Global Cash Flow or combined business & personal cash flow model will be displayed.

This will be followed by the Statement of Cash Flows (using the Direct and Indirect Methods), as prepared by the CPA, the UCA Cash Flow (using the Moody’s software spreadsheet), Cash Basis Cash Flow, Fixed-Charge Coverage (FCC), and Free Cash Flow (FCF).

Various cash flow projections and sensitivity analyses will also be explored.

The webinar will then conclude with commercial real estate (CRE) cash flow analysis and other related real estate investment cash flow models.

Topics to be covered include:

  • Business (EBITDA) & personal cash flow analyses
  • Global cash flow: combining the business and personal cash flows
  • Statement of cash flows, UCA cash flow, cash basis cash flow, fixed-charge coverage, and free cash flow
  • Cash flow projections and sensitivity analysis
  • CRE cash flow analysis including investment models

Target Audience: Commercial lenders, commercial relationship managers, credit analysts, and loan administrators

Presenter
David Osburn, Osburn & Associates, LLC

Registration Option
Live presentation $330

Recording available through February 14, 2023

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GSB – Advanced Financial Statement Analysis

The session will begin with analyzing the four financial statements — Income Statement, Statement of Retained Earnings, Balance Sheet, and Statement of Cash Flows. This will include revenue and expense recognition, FIFO, LIFO, and average inventory costing models, operating expenses (repairs) versus improvements, depreciation including straight-line, units-of-production, and double-declining balance, amortization, and depletion.

The seminar will also explore accounts receivable assessment, allowance for doubtful accounts, intangible assets, accounts payable assessment, capital and operating leases, and analysis of the equity section of the Balance Sheet including partners’ capital accounts, common and preferred stock, treasury stock, stock splits, and retained earnings.

Additionally, the types or levels of financial statements will be highlighted including company-prepared, compiled, reviewed, and audit. The audited financial statements will include unqualified, qualified, adverse, and disclaimer.

The participant will then be introduced to a five-part financial statement analysis model which will include the liquidity, activity, leverage, operating performance, and cash flow.

Additionally, the related topics of the Z-Score (bankruptcy predictor) and the sustainable growth models will be reviewed.

Objectives:

  • Analyze the four financial statements including Income Statement, Statement of Retained Earnings, Balance Sheet, and Statement of Cash Flows
  • Explore income statement issues including revenue recognition, inventory costing, and depreciation
  • Cover Balance Sheet accounts including accounts receivable, allowance for doubtful accounts, accounts payable, and the equity section
  • Review the levels of financial statement reporting including company-prepared, compiled, reviewed, and audit
  • Analyze a “five-part” analysis model including liquidity, activity, leverage, operating performance, and cash flow
  • Analyze the EBITDA, personal (business owner), global, and sensitivity cash flow analyses
  • Discuss the Z-score (bankruptcy predictor) and sustainable growths models
  • Summarize the seminar concepts through case studies

Target Audience: Commercial lenders, commercial relationship managers, credit analysts, loan administrators

Presenter
David Osburn, Osburn & Associates, LLC

Registration Option
Live presentation $330

Recording available through February 8, 2023

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GSB – How to Move From Effective Advertising to Strategic Marketing

The resources used to support sales and marketing efforts is expanding and changing daily. Traditional promotion solutions, focused on mass media and direct selling, are giving way to target marketing, digital communications and social media. So where is the proper balance to develop effective activities. The secret lies in strategic marketing, a condition that demands effective planning and execution. This session will help clarify the critical decisions that must be made to ensure that every sales and marketing investment is producing an acceptable return on investment (ROI). Attend and learn how to adopt a strategic approach to promotion planning. Learn how to use an easy-to-follow process to prioritize and implement your marketing efforts.

Target Audience: Senior management, branch managers, marketing officers, marketing committee members

Presenters: Tom Hershberger & Kyle Hershberger, Cross Financial Group

Registration Option
Live presentation $330

Recording available through February 16, 2023

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GSB – Three Key Risk Assessments In Your ERM Program: ERM, IT and Internal Controls

This webinar is for participants who have a basic foundational knowledge of Enterprise Risk Management and are looking for specific examples on how to complete these three important risk assessments. The presenter will focus on how COVID-19 impacted each risk category, the consequences, and mitigating and monitoring tools banks can use to mitigate the effects of the Pandemic now and going forward.

The presenter will first conduct a basic review of what is ERM, the three key phases of ERM, and how risk assessments fit in. Then the presenter will explain how the risk assessment process works and will specifically focus on three key risk assessments you must have as critical components of your ERM Program: the Enterprise Risk Management Risk Assessment, Information Technology Risk Assessment, and the Internal Controls Risk Assessment. You will walk away with practical tools and examples you can implement in your organization immediately.

Covered Topics

Part I:

ERM quick overview and key definitions
Three Key Phases of ERM and how Risk Assessments fit in
The Risk Assessment Process
ERM Risk Assessment– Complete example
How COVID-19 affected each Risk Category

Part II:

Information Technology Risk Assessment
Definitions
Areas Assessed
Categories Included
IT Risk Assessment – Complete example
How COVID-19 affected IT Security and Cyber Risk

Part III:

Internal Controls Risk Assessment
Definitions
Areas Assessed
Categories Included
Internal Controls Risk Assessment – Complete example
How COVID-19 affected Internal Controls, Processes, and Procedures

Target Audience
This informative session is designed for risk managers and risk leaders, chief risk officers, compliance officers, chief operating officer, chief credit officer, internal auditors, and the entire risk management team

Presenter
Marcia Malzahn, Malzahn Strategic

Registration Option
Live presentation $330

Recording available through February 17, 2023

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GSB – Pricing Loans in Volatile Market Conditions

Many institutions now use a systematic loan pricing methodology or model, and those that don’t are either considering or implementing a pricing system. But loan models don’t tell you what rate to charge. If setup well, they give you a relative measure of value or profitability which can then be used to make more informed loan pricing decisions.

In this webinar, we start by reviewing how modern loan pricing models work, and some of the difficulties institutions face when they attempt to implement a new model or approach. We review risk-based pricing approaches, and we cover how to manage assumptions and how to integrate models into an institution-focused pricing methodology.

Then we turn our attention to the realities of pricing loans when the markets are constantly shifting on us. We discuss why loans priced a few months ago now look unprofitable, and why that may not matter. We look at funding costs and risks, and why pricing duration is critical in managing interest rate risk. We use case studies to illustrate the challenges in pricing when market rates could change tomorrow. Examples are used from commercial relationship pricing to consumer rate sheet pricing.

Learning Objectives

  • Understanding modern loan pricing methodologies.
  • How risk is managed in loan models.
  • How pricing models are affected by market rate changes.
  • Understanding the relationship between loan characteristics and interest rate risk.
  • Learn strategies for managing frequent market rate changes.

Target Audience
CEOs, CFOs, ALCO members, controllers, chief risk officer, chief retail, funding officers

Presenter
Darryl Mataya, Abrigo

Registration Option

Live presentation $330

Recording available through Feb. 10, 2023

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questions@wisbank.com

608-441-1200

4721 S Biltmore Ln.
Madison, WI 53718

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