1. LOAN ANALYSIS SOFTWARE Robust, Intuitive, Designed by Bankers

2. The ALL-IN-ONE LOAN ANALYSIS
Solution for
Ag, Commercial,
and Consumer
LOAN ANALYSIS

3. Country Banker Benefits
Consistent and Uniform Data Formatting and Analysis across all Lenders and Entire Portfolio
Ease of Use and Quick Learning Curve for New Lenders; a robust data base that functions much like spreadsheet and word processing programs
Increased customer relationships based on depth of knowledge you have of their operation and information you share with them that has value
Lenders save time and have confidence in their numbers
Regulators value the format of reports and the solid narratives and data in loan presentations

4. IMMEDIATE ACCESS TO REPORT OUTPUT FOR:
Trends
Ratios
Scorecards
Risk-Based Pricing
Cash Flow
Proforma
Loan Presentation Documents

5. GLOBAL FINANCIAL ANALYSIS
Consolidation of multiple related borrowers for true
GLOBAL ANALYSIS
Global Analysis can be done across industry lines - Ag, Commercial and Consumer

6. AG and COMMERCIAL RATIO ANALYSIS
Core Ratios
Debt Service Coverage Ratio
Weighted Cost of Capital
Sensitivity/Shock Analysis
Global Collateral Sensitivity Analysis
Liquidity
Solvency
Profitability Ratios
Repayment Capacity (EBITDA)
Sales to Assets
Return on Assets
Return on Investments
Inventory
Financial Efficiency
Accounts Receivable
Accounts Payable

7. SHOCKS & SENSITIVITY
Sensitivity and Shocks require only three variables
Change to Revenue
Change to Expense
Change to Interest Rate
Results are immediate identifying impact to each category and results to Line of Credit on a month-to-month basis.
Standard and user-defined shock and sensitivity of ANY parameter can be applied recalculating immediate results and impact to earnings and debt service capacity.

8. DATA - FULL ACCESS and OWNERSHIP
Never down due to lack of internet access, Never slow access due to internet issues, Data not aggregated with others, Data fully accessible by remote access and in other formats
Data Remains ON SITE and under Bank Control

9. UNSURPASSED FLEXIBILITY
Quick or in-depth analysis
Ratios & pricing/scoring defined by you
Global analysis
Customized loan presentations
COUNTRY BANKER - tangible results
COUNTRY BANKER offers true customization that doesn’t put you in a “box”.

10. ON-SITE TRAINING
COUNTRY BANKER clients receive on-site training using customer data – trainees benefit from hands-on instruction!
We are committed to helping clients implement successful systems with responsive technical support by phone or .

11. www.countrybanker.com 800-780-5479
Discover COUNTRY BANKER………. the New Standard for realistic, meaningful loan analysis-
Request a Demonstration TODAY!