Commit to Enhanced Analysis and Better Decision Making: If your philosophy is already focused on in-depth, high level loan analysis, Country Banker will help you do it better. The time invested will deliver superior results. If you are just getting started with risk rating or ratio and trend analysis Country Banker is a great beginning. The program allows for analysis at a basic level or a robust level. It has the flexibility to grow with you.
Analysis Features, Risk Ratings/Loan Grading/Pricing/Ratios and Loan Presentations Unique to You: From our basic platform, analysis features correlate with your current system, with ratios and measures for risk rating that are meaningful to you. Our staff will help you decide how to make the system work for you and include the options you need. We can migrate your data from current customers into the Country Banker System for a smoother, quicker conversion.
Use Your Data at Your Location to Launch Country Banker: We come to your location for hands-on, self-paced instruction. Your staff will become familiar with the system through input and analysis of your customer data.
Installation, Training and Support on Your Schedule: Our staff will coordinate installation with your IT representative on your schedule. On-site training occurs when you are ready and can include multiple sessions if employee numbers dictate. After installation, you have access to phone, online and on-site support as needed. Additional program upgrades and customized features are an easy process.
Country Banker started with Agricultural Loan Analysis with the recognition that Ag lending is complex and making decisions based on tax returns has inherent weaknesses. Driven by recommendations from the Farm Financial Standards Task Force, the system includes powerful options for including ratio and trend analysis and checks and balances to avoid an overdependence on either income statement or balance statement numbers.
Many of the same ratios that are key to agriculture lending also apply to commercial credit. However, the source of the numbers is different and they are often calculated differently. With Country Banker, your lenders use the same tool in both cases and can easily retrieve and enter data due to the consistent system. You establish your own unique Commercial lending approach; which ratios to use, which trends to monitor and how to weight them for risk rating, but the tool is the same.
Consumer Loans are often the smallest portion of your portfolio and the smallest loans in the portfolio, but they are key. Because of their link to your customer’s other debt they are important. They are also often the foundation of your relationship with a beginning customer. Country Banker allows for basic analysis of these loans when they stand alone, but with the linking analysis feature combined with super easy data merge, you can also see the impact of consumer debt on a borrower’s commercial or agriculture operation.