Recent News & Press

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5 Exception Tracking Best Practices to Track More Efficiently

If there’s one constant in tracking, it’s that the specifics of what is tracked changes from customer to customer. What exceptions are tracked and how they’re tracked can even vary between officers...

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4 Features Your Financial Statement Analysis Software Must Have

Small banks and credit unions face a challenge as they grow–how to scale financial statement analysis as the bank’s portfolio expands. While growth clearly shows you’re doing something right, you...

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How to Quickly Calculate Debt Service Coverage Ratio [Guide for Banks]

A good debt service coverage ratio analysis is the primary factor in demonstrating a business’s ability to meet its debt obligations. To complete a debt service analysis, lenders calculate the debt...

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Normalizing Unusual Financial Statements

When looking at a 3-year spread, what do you do if one of the statements is a substantial outlier? How can you establish a reasonable expectation of ability to repay? We know that past performance is...

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Benefits of a Tickler System Software

Because so many of our clients were keeping up with ticklers in Excel prior to switching over to FISCAL TRACKING, we sometimes have a tendency to focus on how Excel might be Slowing down your...

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How FISCAL Helped Banks and Credit Unions During COVID-19

The COVID-19 pandemic has changed the way people run their businesses indefinitely. Not only have we had to get used to new restrictions, working conditions, and hours, but we’ve also had to find...

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Global Cash Flow Analysis: How to Get it Right

When it comes to small business lending, you already know that conducting a global cash flow analysis is a must. These businesses may not cash flow sufficiently on their own, so you have to know how...

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How Excel Might be Slowing Down your Efficiency- FISCAL SPREADING

Decades ago, the introduction of spreadsheet software mostly eliminated the physical act of “spreading” financial statements, running ratios on a calculator or creating a cash flow analysis by hand...

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How Excel Might be Slowing Down Your Loan Tracking Efficiency – FISCAL TRACKING

As an institution grows, keeping up with financial statements and tickler tracking often becomes a frustrating and time consuming task. The farther you fall behind, the more time it takes. Many...

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