Credit Analysis
Commercial and agricultural credit analysis tools that generate the spreads and data
you need to evaluate a borrower’s repayment capacity and risk factors.
Commercial Credit Analysis
Commercial credit analysis tools in FINPACK use balance sheet and tax return information to evaluate commercial borrowers. Use FINPACK to develop financial spreads, complete a global cash flow, or analyze C & I or CRE credits. Finalize credit decisions with a customized risk rating and loan presentation for commercial credits.
Agricultural Credit Analysis
For agriculture, FINPACK offers a full range of tools to help you analyze every situation. Use FINPACK to develop financial spreads, cash flow projections, collateral analysis, risk rating and much more. Benchmark borrowers to peer farms using FINBIN, the largest farm financial database in the world.
Credit Analysis
Analyze the performance of your business borrowers by generating balance sheet and income statement reports and spreads.
Past Performance
FINPACK’s credit analysis tools allow you to look at the performance of individual businesses or complete a global analysis.
Projections
Develop annual or monthly cash flow projections, including the capability to run multi-year scenarios.
Credit Quality
Use FINPACK’s credit analysis tools to evaluate the risk associated with the loan request. Complete a collateral analysis and create risk ratings and loan presentation templates to match your credit policies.
Credit Decisions
Efficiently and accurately evaluate credit requests of all sizes. Complete full underwriting for larger, more complex deals or use the customized scorecards for smaller, straightforward requests.
Flexibile Tools
Use FINPACK’s suite of tools to meet your credit analysis needs – income and balance sheet spreads, C & I, CRE, Global Cash Flow, Earned Net Worth, Collateral Analysis, Risk Rating and much more.
| Agricultural Credit Analysis | Commercial Credit Analysis | |
|---|---|---|
| Balance Sheets | ||
| Balance Sheet Spreads | ||
| Tax Form Spreads | ||
| Income Statement Spreads | ||
| Global Cash Flow | ||
| Earned Net Worth Analysis | ||
| Sch. F Cash to Accrual Analysis | ||
| C & I Business Analysis | ||
| Peer Benchmark Comparison | ||
| CRE Analysis | ||
| Annual Cash Flow Projection | ||
| Monthly Cash Flow Projection | ||
| Collateral Analysis | ||
| Customized Risk Rating | ||
| Customized Loan Presentation Template | ||
| Portfolio Stress Testing | ||
| Customized Credit Decision Scorecard |