Financial Advisors Charleston SC | Financial Management | Financial Ratio Analysis
“CommerceWest wanted to give you an update on our use of ExceptionComplete. I’ve personally worked on two other tickler programs with banks for tracking data the bank must obtain and for tracking covenants. ExceptionComplete is by far the most efficient and easy to use system I’ve worked with. Some of the key features we appreciate are:
- The automatic update of an items due date when checking something off of ExceptionComplete; this saves us data entry time on a daily basis.
- The ability to search by name or loan number and especially searching by “contains” within the name of a client is very convenient. Locating a client in the system is never a problem.
- The quality of the letters that the system generates keeps with the standard of material the bank sends to its clients.
- The different reports the system can generate allow us to quantify the information outstanding or coming due in different formats to meet the needs of both management as well as individual loan officers.
These are items that I’ve experienced difficulty with when using other tracking programs, and these features have made ExceptionComplete a big key to my department’s success.
Lastly I’d like to mention your customer support and company’s ability to modify and customize ExceptionComplete to meet the bank’s specific needs. This has allowed and is continuing to allow my department to do more, without adding staff or time which is truly adding to the department’s efficiency and the bank’s bottom line.
Thank you for your hard work and support. We look forward to a continued and prosperous relationship.”
Justin L. Kroese
CommerceWest Bank
--------------------------------------------------------------------------------
“We’ve found FISCAL to be easy to use. Data input makes sense, with sound options for different names for various accounts. The reports are excellent. We’ve made good use of the common-size balance sheet and income statement, as well as the Ratios Report and the UCA Cash Flow report. Financial weaknesses, strengths, and trends are easily discernable from the information reported, which help our analysts to make correct assessments about the credit-worthiness of the client.”
Kim Kaul and Tim Gauer
Credit Analysts
Northland Financial
--------------------------------------------------------------------------------
“The software works well, and needs little technical support. As questions have arisen and as these are directed to the company’s Technical Support team, answers are generally provided immediately. Any unanswered questions or calls are returned promptly. Technical Support staff is resourceful and very helpful! Online and webinar training have proven to be very useful for new and existing users. Recent enhancements to the software have created an even more ‘user-friendly’ product.”
Steve Fercho
IT Administrator
Northland Financial
--------------------------------------------------------------------------------
"You have a great product and at an amazing price – I have already recommended it to my former boss, who is now the CEO of another bank and looking for a program, but doesn’t want to spend the $40,000 that other companies charge."
Felicia S Manuel
Financial Advisor / Loan Review Officer
The Evangeline Bank & Trust Co
--------------------------------------------------------------------------------
"Solid underwriting on commercial loans is critical and FISCAL is a tremendous tool for analyzing trends in financial statements. FISCAL is easy to use, very flexible and help is just a phone call away. In addition, the company continues to improve the product based on input from its customers. It is a great help in maintaining good credit quality...a major key to success in banking."
Ken Adams
Chief Credit Officer
The Bank of Southside Virginia
--------------------------------------------------------------------------------
"FISCAL offers us a quick, easy and accurate way to spread business tax returns or CPA-prepared financial statements. This gives the analyst more time to review the reports and analyze the information, which is provided in an easy-to-read format. FISCAL offers RMA standard comparisons, graphs, financial projections and strategic analysis that are all designed to assist the analyst or commercial loan officer in evaluating the financial well being of current and prospective business customers."
Denise Smith
Credit Analyst
First Federal Savings Bank of Twin Falls
--------------------------------------------------------------------------------
"FISCAL helps us complete condensed, concise spreadsheets that are easy to read. The different analysis options are very helpful especially in industries we are not familiar with."
Cory Peckham
Summit Community Bank
--------------------------------------------------------------------------------
"Community First has enjoyed using FISCAL. It has been especially helpful to our lenders that don't have a lot of experience in the commercial area. Spreading tax returns is easy, as you go line by line to fill in the form."
David Peters
Community First Bank
--------------------------------------------------------------------------------
"I have used the FISCAL spread sheet program since at least 1992 and am pleased with its ease of use and direct format. It suits our credit analysis needs."
Michael A. Musto
Vice President
Jersey Shore State Bank
