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AI Tools for Finance: What is the Role of AI in Community Banking?

February 09, 2024

Technology plays a critical role in shaping how financial institutions operate, enhancing efficiency and precision – among these technological advancements, Artificial Intelligence (AI) has sparked...

Accurately Calculating Annual Debt Service in Excel

January 09, 2024

Annual debt service is a foundational calculation for financial statement spreading and evaluating small business loans. Much like other key calculations, getting annual debt service right is...

AI Lending Platforms: The Capabilities, Benefits and Challenges

November 28, 2023

Artificial intelligence (AI) is rapidly advancing in today’s business world, finding its way into tools and software that companies use daily. In early 2023, Salesforce announced its native...

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...

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...

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...

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...

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...

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...