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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...
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...
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,...
Not all loan underwriting software is created equal. Just as there are many different kinds of lending institutions, from large commercial banks to small credit unions, there are many software...
Transitioning to financial spreading software is a big step for community banks and credit unions. Before making the switch, they must consider need, benefits and cost. In our experience, banks and...
Including member business lending in your credit union's offerings comes with added responsibility. Credit unions must adhere to regulations and undergo a higher level of scrutiny from examiners when...
