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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...
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...
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...
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...
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...
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...
“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...
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...
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,...
