SPREAD ANALYZE REPORT

FEATURES

Comprehensive Credit Analysis

An easy-to-use commercial lending software application, FISCAL is a dynamic financial statement spreading, analytics, and reporting tool designed to maximize operational efficiency while reducing credit risk and exposure.
Its single platform produces cash flow analysis, projection models, industry benchmarking, CRE stress testing and credit risk ratings using personal and business financial statements or tax returns. FISCAL’s reporting and analysis provide sound guidance for responsible profitable lending.

The FISCAL Advantage

Put your credit lending policies and procedures into action. Let FISCAL help you manage credit risk by identifying dangers and opportunities on new loan applications, regular reviews, and at any time during the life of the loan.

Statement Spreading

Effective Statement Spreading is at the heart of what FISCAL does for you. With all the pertinent data brought together in one place, you have easy access to the insight needed to make responsible, profitable lending decisions. FISCAL’s financials are simple and straightforward, with spreads in a clear, consistent format that is familiar and easy to work with for users at every stage, from data entry to analysis and review.
With your data in place, FISCAL’s powerful tools calculate ratios, trends, cash flow reports, multi-year analyses and projections. Industry benchmarks, such as RMA’s Annual Statement Studies™ and the IRS Statistics of Income, are included for peer comparison.

Simple data entry. Work directly in the spread.

Data entry templates correspond to standard tax forms and financial statements.
No uploading or downloading spreadsheets or forms
Enter once and done with easy additions and edits at any time
Add explanatory cell notes which can be included on reports
Spread unlimited deals with no added cost
Hide unused rows; add, delete, and rename detail rows
Import loan, deposit, and personal/business info from core – always up-to-date

The FISCAL Approach

Logical and easy-to-follow navigation leads the user through a step-by-step process, from the initial data entry through to the analytic reports to the Credit Memo. FISCAL’s intuitive workflow makes credit underwriting systematic and thorough – what regulators want to see!

Business Information • Business Finances • Personal Information • Personal Finances
Ratio Analysis • Trends • Benchmark Comparisons • Loan Score Cards • Credit Memo
CRE Sensitivity • Global Cash Flow • Reports • Custom Docs • Loans

Business Financials

Simple, straight-forward data entry into templates with a familiar format make spreading a breeze. FISCAL’s intuitive workflow uses financial data entry templates based on standard tax forms and financial statements. Using custom rows or calculations? FISCAL makes it easy to create, use, and save custom data entry templates to suit your every need.

Standard Template Types:

IRS 1065, 1120, 1120S, 8825, and 990
General Business, Condensed, Contractor
Real Estate and Non-Profit
Farming Schedule F Cash and Accrual

FISCAL easily works with:

Multiple statements based on quality
Multiple entities under a holding company
Combined financials from multiple business units

Personal Financials

Spread the personal financial information of owners and guarantors. Then combine the available cash flow of stakeholders with available cash flow from business entities to generate the Global Cash Flow Report.

Enter data from IRS 1040 or general template
View Personal Balance Sheet Report
View Personal Cash Flow Report

Loan Information

Enter, document, and manage loan specifics. From loan amounts and terms to guarantors and risk ratings, FISCAL provides one-screen access to all the information. From this screen, you can send the loan to FISCAL’s Decision module to see how it stacks up against your institution’s policies and criteria.

Core Integration

Update loan, borrower, and account information nightly
Ensure current status reflected in reports and calculations

View, assign, and manage

Purpose, status, amount, interest, term, fees, etc.
Collateral Information
Guarantor and Principal commitments
Risk Rating
Contact and demographic information
Change terms and view amortization and payment schedules
Calculate payment and generate Loan Amortization schedule

Global Cash Flow

Evaluation of business financials as a sole indicator of a business’s ability to sustain the cash flow needed to repay a loan may not be sufficient. Using FISCAL, lenders can easily identify potential lending risk in complex credit relationships between businesses, owners, guarantors, and related parties.

Assess the Global Debt Service Coverage ability of business and the individuals on new loan applications to determine the proper types of credit, loan structures and covenants. And since FISCAL stores all of the financial information in one place, with just a few clicks you can conduct ongoing analysis for audits, annual reviews, or at any time during the life of the loan.

Incorporate Multiple

People | Businesses | Loans

Use Appropriate

Multiple Statement Years
Cash Flow Basis
Debt Service Calculation

Quick View – Dashboard

Create a dashboard view of the financial condition of the business.

Almost any ratio or amount that can be represented numerically can be part of a Quick View chart set, allowing executives to easily see the big picture.

Charts and graphs from FISCAL's Quick View

Flexible Views

Identify positive growth trends, declining values or other metrics
Develop different sets of charts for different audiences.
Present the charts to committees, management, and customers
Print, save, or paste the charts into another document.

REPORTS AND OUTPUT

STANDARD REPORTS — CREDIT MEMOS — CUSTOM DOCS — PORTFOLIO REPORTS

When it comes to accessing your data, flexibility is key. Since FISCAL serves as a repository of all information related to the loan request, FISCAL’s custom reporting can give you just what you need in the format that best suits the purpose. From the Credit Memo to Custom Docs to Portfolio-based reports, FISCAL helps you bring the deal to the table, and beyond.

Reports

FISCAL’s reports bring consistency and standardization to credit underwriting. Create standard report sets that include the specific reports based on the financial statements, businesses, people, and loans of interest. Detail and summary reports provide the appropriate depth of information for the intended audience.

Export and combine FISCAL’s analysis reports with credit reports, assessor reports, collateral information, and other documents for more in-depth reporting.

Standard Reports

Business, Personal, & Global Cash Flow
Statement and Balance Sheet
All Standard Ratios
Benchmark Comparisons
Common Size • Breakeven Analysis
Operating Capital
Summary Analysis • Summary Narrative

Credit Memo

The Credit Memo section allows you to generate fully-editable, highly customizable Microsoft Word or Excel documents, saving hours on every deal. You can have as many templates as you need, so the benefit continues for the life of the relationship, making annual reviews, renewals, new loan requests – anything that requires FISCAL data or a reproducible narrative – easier and more efficient.

Custom Docs

Custom Docs give you access to essentially all FISCAL data, laid out the way you want to see it, in fully-editable, highly customizable Microsoft Word or Excel formats. Efficient, accurate and simple document production takes advantage of the data that is already there. Any aspect of your process that requires production of standard documents can benefit from the ease and consistency of Custom Docs.

Specialized Financial Analysis

CRE Sensitivity and Stress Testing — Projections — Decisions and Scorecards

CRE Sensitivity

Using the CRE sensitivity module you can create a range of “what-if” scenarios to identify potential risk on debt service capacity and collateral adequacy when conditions change. Rent Rolls add property-specific analysis functionality.

Conduct analysis quickly using the income and expenses for a property along with the current and proposed debt. Simple deals can be entered easily or for complex deals data can be imported directly from the Business Spreads. FISCAL stores and applies the default Vacancy Rates, Interest Rates, and Cap Rates for the specified property. Rates can be adjusted as necessary for each deal.

Determine the overall impact on capital and DCR should a projected scenario become a reality. Best-case and worst-case scenarios provide a framework within which decisions can be made.

What is the impact of changes in
Vacancy, Interest, and Cap
rates on proposed CRE Loans?

FISCAL MAKES IT EASY

Save and Use Projections

Narrative and summary reports
Breakeven point trends

Monthly Projections

Seasonal trends
Variable activities

Projections

FISCAL makes it easy to project future trends and produce analyses that forecast cash flow from your borrower’s financial statements. Multi-period projections give analysts, Loan Committees, and Managers a set of comprehensive analyses for evaluating a business’s future credit worthiness. The effect of a potential loan can be integrated into a projection for even more realistic analysis.

The assumptions used to create projections are completely modifiable using a global or line-by-line strategy, giving the analyst a range of outcomes for the appropriate “what-if” scenarios.

Decisions and Scorecards

FISCAL’s Decision module is a flexible tool for evaluating the more clear-cut elements in each lending equation. Scorecards allow you to set criteria that reflect your lending policy and practice with as much or as little depth as required.

You can set up Scorecards by loan size and purpose, and embed your full lending policy or apply only simple checks, such as timely submission of all required documents.

After the initial underwriting, loan scorecards act as internal checks and balances, highlighting problem areas for analysts to review more closely, before the request moves to the next level.

Five Cs of Credit

Character
Capacity
Collateral
Capital
Conditions

AT EACH STEP, FISCAL MAKES IT EASY

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