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.
THE FISCAL IMPACT
OUR TOOLS WORK THE WAY YOU WORK
FISCAL’s user interface and data entry is so user-friendly, you can almost do it in your sleep.
With FISCAL, ratios can no longer be incorrectly calculated by someone with an agenda or who is just not familiar with ratio calculations. FISCAL brings consistency and security to our loan operations.