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What Is a Tickler System and How Do I Use It In Excel?

September 20, 2023

For decades, banks and credit unions have used tickler systems to manage commercial lending accounts and ensure they are staying on top of documentation. Once done on paper and kept in filing...

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FISCAL Forward Launch Advances Financial Statement Spreading Efficiency

September 01, 2023

For more than 30 years, FISCAL has provided easy-to-use and reliable credit analysis tools to community banks and credit unions, helping them streamline their financial statement spreading and...

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Financial Statement Spreading for Small Business: Your Ultimate Guide

August 21, 2023

Small business lending is an essential part of community banking. For local banks and credit unions, lending to entrepreneurs and small businesses in the community helps foster economic development...

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Spreading Financials: Common Mistakes to Avoid

July 18, 2023

Community banks and credit unions that lend to small businesses typically have a standard set of practices they use to assess the risk and profitability of potential loans. While there are a number...

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6 Tips for Bank Financial Statement Analysis in Excel

June 29, 2023

Credit unions and banks that use Excel for financial statement analysis have likely encountered the common pitfalls of the application: overwritten templates, broken formulas, and lack of...

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Optimize Your Loan Risk Analysis Process

June 23, 2023

Small business lending is a numbers game, but when it comes to managing risk, there are subjective aspects of the process that go beyond the borrower’s cash flow and debt service coverage ratio...

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Banking Software Solutions: Core Systems and Lending Software

June 05, 2023

“Digital transformation” is a popular buzzword today, referring to the efforts companies are making to connect all digital parts of the business seamlessly. The goals of a digital transformation are...

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Essential Excel Formulas for Financial Analysts and Underwriting

May 18, 2023

Loan analysts use Excel nearly every day. Many learned the formulas, functions, and how to set up spreads on their own, asking colleagues or searching the internet for help. Even with their hands-on...

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Financial Statement Spreading in Excel vs. Software

April 26, 2023

Many community banks today manage financial statement spreading using Excel. Others opt for spreading software solutions. Both have their pros and cons, depending on the size of your institution,...

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