COMMERCIAL LENDING SOFTWARE
Statement Spreading – Financial Analysis – Credit Underwriting
Improve efficiency and agility in credit underwriting. Automate manual procedures and loan processing tasks. Make timely, informed, and thoroughly documented decisions.
THE FISCAL ADVANTAGE
FISCAL uses your data and your criteria, managed centrally and enforced across the platform to streamline lending operations.
FISCAL provides the framework for consistent and disciplined analysis based on the established norms of your credit culture. Standardization of underwriting produces a systematic, yet flexible, approach to spreading, analysis, and credit decisions.
This balance of flexibility and consistency robustly handles adjustments and incorporates exceptions that may be necessary to form an accurate risk assessment.
Setup is quick and straightforward – you can be up and running in hours, not months.
Accelerate productivity with our familiar spreadsheet format that allows users to get working right away. Eliminate redundant data entry with FISCAL’s unified organization and storage of all the information you need on a borrower.
Keep things moving with a data structure that brings together all the pieces – from business, people, loans, and collateral to detailed analytics – with just a few clicks.
FISCAL puts your policies and procedures into action, providing sound guidance and risk controls.
Focus on responsible lending while maintaining compliance with regulatory requirements and institutional lending policies. Maintain complete decision documentation without any additional steps – FISCAL automatically stores spreads, analysis and notes on customers and deals.
Generate reports for committees, boards and regulators that demonstrate transparency and accountability in your decisions and lending – all in just minutes.
RESPONSIBLE & PROFITABLE LENDING
I have used FISCAL for a number of years, and am pleased with its ease of use and direct format. It suits our credit analysis needs, so much so that our holding company recently purchased both additional user licenses for FISCAL and a complete installation of ExceptionComplete for all of its banks.
FISCAL offers us a quick, easy, and accurate way to spread financials. This gives the analyst more time to review the reports and analyze the information.