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Lending & Credit Risk

Community First Bank | Lenders Doing Analysis by Hand

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Challenges: Lenders Doing Analysis by Hand

Community First Bank in New Iberia, Louisiana didn’t think it needed a formal analysis system given the bank’s size. Each lender was doing his or her own analysis by hand. However, after the FDIC exam, Community First Bank realized it needed to invest in a formal, consistent system of credit analysis.

Abrigo has helped contribute to the bank’s tremendous growth in such a short time. It allows our lenders to spend more time making loans and building their portfolio.
Lucas Menard Credit Analyst Community First Bank

The Solution: Standardized Global Cash Flow Analysis

Community First Bank had previously heard of Abrigo, but did not purchase the solution at that time; however, after receiving feedback from examiners, bank management decided now was the time to purchase Abrigo Credit Analysis. With a standardized global cash flow analysis process through Abrigo, Community First Bank now has clear, consistent methodology. Additionally, the lenders now have more time to network with a dedicated analyst on staff. 

The Result: A Credit Analysis Tool That Satisfies Examiners

“When the FDIC came back for the next federal exam, the examiners were satisfied with the credit analysis system we implemented. They were impressed with the consistency and thoroughness of Sageworks Credit Analysis.” - Lucas Menard

Improve Your Credit Risk Process With Abrigo

Find Out How Download Case Study