FISCAL SPREADING

FISCAL SPREADING

von FISCAL SPREADING

Wer verwendet FISCAL SPREADING?

Community banks and credit unions

Was ist FISCAL SPREADING?

FISCAL SPREADING is software designed for the community lender who primarily works with small businesses, who is focused on global cash flow, and is looking for consistent output with the flexibility to handle financial statements for businesses and people, including tax returns. FISCAL SPREADING delivers efficiency and standardization in credit underwriting.

We also offer a full-featured tickler solution for community lenders, FISCAL TRACKING.

FISCAL SPREADING – Details

FISCAL SPREADING

https://www.fiscalcs.com/

Gegründet 2001

FISCAL SPREADING – Kostenübersicht

FISCAL SPREADING bietet keine Gratisversion, aber eine kostenlose Testversion.

Spotlight_media_placeholder

Kostenlose Version

Nein

Gratis Testen

Ja

Einsatz

Installiert - Windows

Training

Persönlich

Live Online

Webinare

Dokumentation

Kundenbetreuung

Support während der Geschäftszeiten

FISCAL SPREADING Funktionen

Banking Software
ATM-Management
Compliance-Verfolgung
Corporate Banking
Einzelhandel-Bankgeschäft
Investmentbanking
Kreditkartenmanagement
Mehrere Branchen
Online-Banking
Private Banking
Risikomanagement
Sicherheitsmanagement
Transaktion-Überwachung
Audit Trail
Dashboard
Dokumentenmanagement
Komplexe Schuldstrukturen
Leadmanagement
Pipeline-Management
Publicity-Management
Risikomanagement
Trend-Analysen
Vermögensverwaltung
Audit Trail
Bearbeitung von Krediten
Compliance Management
Dokumentenmanagement
Elektronische Unterschrift
Kundenmanagement
Onlinebewerbung

FISCAL SPREADING – Nutzerbewertungen

Zeigt 5 von 8 Nutzerbewertungen

Gesamt
4,8/5
Benutzerfreundlichkeit
4,8/5
Kundenservice
5/5
Funktionen
4,5/5
Preis-Leistungs-Verhältnis
4,9/5
Reagan F.
Sr VP/CCO
Bankwesen, 13-50 Mitarbeiter
Verwendete die Software für: Mehr als 2 Jahre
  • Gesamtbewertung
    5/5
  • Benutzerfreundlichkeit
    5/5
  • Eigenschaften & Funktionalitäten
    4/5
  • Kundenbetreuung
    5/5
  • Preis-Leistungs-Verhältnis
    5/5
  • Wahrscheinlichkeit der Weiterempfehlung
    10/10
  • Quelle des Nutzers 
  • Bewertet am 5.2.2020

"Financial Spreading Made Easy!"

Kommentare: We use FISCAL for all our financial spreads and analysis for underwriting our commercial loans. My experience with FISCAL has been extremely positive and for the money, it's the best!

Vorteile: The ease in which the software is able to be utilized and the immediate functionality of it. I was looking for a financial spreading software that I could literally buy off the shelf and immediately put it to use. FISCAL did exactly that and much more. In addition, the support from FISCAL was the best I had seen and experienced before. Always accessible and always stayed with me via phone or email until my question was resolved.

Nachteile: The least thing I liked initially was having to set up a separate "entity" name when my borrower was an individual. Once I got the hang of it, it ceased to be any issue at all. With the updates to the software, this is not an issue any longer.

Antwort des Softwareanbieters

von FISCAL SPREADING an 11.2.2020

Thanks! That's really good to hear!

  • Quelle des Nutzers 
  • Bewertet am 5.2.2020
Stephanie O.
Senior Vice President
Bankwesen, 13-50 Mitarbeiter
Verwendete die Software für: Mehr als 2 Jahre
  • Gesamtbewertung
    4/5
  • Benutzerfreundlichkeit
    3/5
  • Eigenschaften & Funktionalitäten
    4/5
  • Kundenbetreuung
    5/5
  • Preis-Leistungs-Verhältnis
    4/5
  • Wahrscheinlichkeit der Weiterempfehlung
    10/10
  • Quelle des Nutzers 
  • Bewertet am 14.2.2020

"FisCAL Software"

Kommentare: We are able to help our customer banks that lack the expertise to spread their customers.

Vorteile: Data entry is easy
Ability to customize a credit memo to suit our needs
Report design

Nachteile: Color Scheme? Could be a little more cheery or offer the ability to change themes.
There are some hidden options available. You have to know they're there in order to use them.
I wish we didn't have to download the RMA data each time. It would be really cool is was an automatic update.

Antwort des Softwareanbieters

von FISCAL SPREADING an 21.2.2020

Thanks for the feedback! Balancing out-of-the-box functionality with powerful features for advanced use is certainly one of our challenges. Our bulletins, monthly training webinars, and responsive support are all part of the effort to help users find answers when they are ready for them!

  • Quelle des Nutzers 
  • Bewertet am 14.2.2020
Douglas M.
Portfolio Manager
Bankwesen, 201-500 Mitarbeiter
Verwendete die Software für: Mehr als 2 Jahre
  • Gesamtbewertung
    4/5
  • Benutzerfreundlichkeit
    5/5
  • Eigenschaften & Funktionalitäten
    4/5
  • Kundenbetreuung
    5/5
  • Preis-Leistungs-Verhältnis
    5/5
  • Wahrscheinlichkeit der Weiterempfehlung
    9/10
  • Quelle des Nutzers 
  • Bewertet am 17.1.2020

"FISCAL is simple and easy!"

Kommentare: We needed a spreading program and that's exactly what we got and more! The FISCAL Team is great to work with and always listens to our ideas and thoughts.

Vorteile: There's no guess work, everything is very straight forward. They are always making improvements to the program as well to better the use and experience.

Nachteile: As an Admin there is very little you can customize and or create on your own. If you want something customized you have to reach out to your support team, luckily the support team is very quick to respond and easy to work with.

Antwort des Softwareanbieters

von FISCAL SPREADING an 11.2.2020

Thanks! Straightforward software that is always improving is definitely what we are working for!

  • Quelle des Nutzers 
  • Bewertet am 17.1.2020
Cindy C.
Sr. Credit Administrator
Bankwesen, 51-200 Mitarbeiter
Verwendete die Software für: Mehr als 2 Jahre
  • Gesamtbewertung
    5/5
  • Benutzerfreundlichkeit
    5/5
  • Eigenschaften & Funktionalitäten
    5/5
  • Kundenbetreuung
    5/5
  • Preis-Leistungs-Verhältnis
    5/5
  • Wahrscheinlichkeit der Weiterempfehlung
    10/10
  • Quelle des Nutzers 
  • Bewertet am 11.2.2020

"Highly thoughtful and user-friendly platform!"

Kommentare: Our bank has had an excellent experience with FISCAL SPREADING. We feel that there is a lot of thoughtfulness in the user interface design. The platform feels simple, but it has ability to generate all the results that we need.

Vorteile: - Platform interface is intuitive and easy for a new user or a more junior individual to learn, particularly true for the basic spreading and reporting functions. This is important so that new employees or junior analysts can quickly learn how to use the platform.
- Allows for both personal and business spreads in one platform, and both spreading templates are intuitive to use.
- Advanced functionality is also excellent: creating multiple spreads for one entity (which is useful when we receive multiple type of reporting quality, such as co-prep, tax returns, CPA-audited, etc.); being able to quickly create global spreads and DSCR analyses; being able to document adjustments in the system; real estate sensitivity is also simple to complete

Nachteile: - In my opinion, I think the system-generated reports can be enhanced aesthetically.
- I have to click on multiple buttons to get to a report because pop-up windows keep arising such as "do you want to save your changes" and then "the grey letters will get cut off in printing" and then "do you want to select an RMA industry now" kind of messages every time. And they are the same pop-ups every time.
- To export a report to PDF (which is our most common output format), there are multiple selections to be made. I believe the default is a .rpt format (which we never use).

Antwort des Softwareanbieters

von FISCAL SPREADING an 21.2.2020

Thanks! It's always good to hear that we are giving our power users the functionality they need even for their more complex credits!

  • Quelle des Nutzers 
  • Bewertet am 11.2.2020
Robin R.
VP Credit / SBA Admin
Bankwesen, 51-200 Mitarbeiter
Verwendete die Software für: 1-5 Monate
  • Gesamtbewertung
    5/5
  • Benutzerfreundlichkeit
    5/5
  • Eigenschaften & Funktionalitäten
    5/5
  • Kundenbetreuung
    5/5
  • Preis-Leistungs-Verhältnis
    5/5
  • Wahrscheinlichkeit der Weiterempfehlung
    10/10
  • Quelle des Nutzers 
  • Bewertet am 17.1.2020

"Fiscal User"

Kommentare: While I wouldn't call it a problem, the initial software that the Bank was using was high-end and we only used about 5% of the program's capabilities. Further, there was a major learning curve involved in regard to formatting, which could take several hours or days to figure out formatting. With Fiscal we are using all of the program and they will do the initial formatting of the credit analysis report. A couple of phone conversations and the Bank had the format we wanted. Totally different experience from the prior program.

Vorteile: The best part about the software is the ease of use. Since it is set up much like an Excel file, it is very easy to customize the charts to meet the needs of the Bank. Further, I really appreciate that the financial spreads can be exported into either a Word or Excel format. The export feature allows me to format the credit analysis report to meet the needs of loan committee, but also the Board of Directors and participating banks.

Nachteile: I would really like to see the Debt Coverage chart incorporated into the actual credit memo. For those loans that are not complex, coping the chart into the analysis isn't a problem However, when the borrower has several businesses and the global cash flow is extensive, coping the excel file into the analysis can present a formatting problem.

Antwort des Softwareanbieters

von FISCAL SPREADING an 11.2.2020

Thanks! It's especially helpful to hear about the contrast you found between FISCAL SPREADING and a big-bank solution. Quick responses and efficient implementation are priorities for us!

  • Quelle des Nutzers 
  • Bewertet am 17.1.2020