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The Independent Community Bankers of America ICBA LIVE annual conference is the largest gathering of community bankers in the world, offering an opportunity each year to learn, connect, and get...
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...
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...
