Similar to identity theft, this type of fraud happens when an unauthorized individual gain access through online banking applications, capturing the account information to create and write bad checks.
Account-centric enterprise content management solutions allow users to access account holder information based on their account numbers.
An adverse action notice is a document sent to a loan applicant stating a bank’s rationale for denying a loan. It may also contain a counteroffer, such as a lesser amount or a request for an approved co-borrower.
The term “aging exceptions” refers to a group of critical exceptions that have not been resolved within a reasonable amount of time.
Altered check fraud occurs when a fraudster changes the amounts and Payee from a stolen check.
API is short for “application programming interface.” Technology companies like Alogent rely on APIs to connect multiple software applications, thereby enabling a two-way exchange of information to support users’ needs.
Audit and exam prep is a process that financial institutions go through in order to adequately prepare for upcoming audits and exams.
An authorized signer form is a document that allows an account holder to grant a range of clearance levels to individuals to perform certain functions within a bank account.

Commercial Credit Analysis

Commercial credit analysis helps financial institutions properly assess commercial borrowers’ creditworthiness. Efficient credit analysis is key for informing commercial lending decisions, mitigating risk, and meeting borrowers’ needs.

Analyzing Commercial Credit

Effectively analyzing commercial creditworthiness is a multi-faceted endeavor that involves:

  • Qualified analysts, who are experienced at spreading financial statements and using modern analytical and reporting tools.
  • Reliable technology, specifically credit analysis software (or, in some cases, spreadsheets).
  • Accurate data, usually sourced from borrower-provided income statements, balance sheets, and other financial reports.
  • Efficient communication between teams. For example, credit and loan teams work together to ensure timely responses to borrowers’ requests without losing sight of the financial institution’s objectives.

Some financial institutions rely on a single team for commercial credit analysis and loan management. Larger institutions, however, typically have dedicated teams that specialize in commercial credit analysis. Credit teams use borrowers’ data to calculate ratios, such as debt service coverage and liquidity, which are important for determining a commercial loan’s viability.

Challenges with Commercial Credit Analysis

The need to collect documentation from borrowers—even after a loan closes—poses numerous challenges for banks and credit unions. Failing to follow up in a timely manner can lead to missing and expired documents. Such exceptions make it difficult for analysts to properly analyze borrowers' financial health and assess their ability to repay. Furthermore, unresolved exceptions can lead to issues during audits and exams.

Improving a financial institution’s document tracking workflow can reduce exceptions and accelerate commercial credit analysis. Migrating from ticklers or spreadsheets to a system like AccuAccount, which offers imaging and exception tracking, can also be a wise decision. Providing reliable access to credit documentation enables analysts to easily access financial data and run their calculations. Unlike paper documents, which can only be in one place at a time, imaging systems allow multiple users to view the same document simultaneously—further expediting the analytical process.

Read more banking definitions or download an industry paper from Alogent’s Innovation Hub.
 

Explore more resources

Related articles

Wednesday 17 June 2026

Network Drives vs. ECM: Why Financial Institutions Need Secure, Scalable Document Management

Network drives offer a basic step toward digitization but quickly create challenges with organization, compliance, security, and reporting, especially as document volumes and complexity grow…

Read the Blog

Monday 15 June 2026

What Aging Exceptions Reveal About Your Lending Operations

Aging exceptions, such as unresolved collateral or covenant issues lingering beyond 90 days, create significant risk and often signal breakdowns in lending operations. Many institutions…

Read the Blog

Thursday 11 June 2026

Commercial Deposit: A Growth Strategy for Banks and Credit Unions

Commercial deposit has evolved from a back-office task into a strategic growth driver, helping financial institutions strengthen client relationships, improve efficiency, and scale operations. Businesses…

Read the Blog

Tuesday 9 June 2026

[Playbook] Automating Document Retention with FASTdocs

Financial institutions seeking to replace manual, spreadsheet-based retention processes can streamline operations by automating document retention in FASTdocs. The approach centers on three key steps…

Read the Blog

Monday 1 June 2026

Why Modern Branch Transformation Fails Without the Right Banking Technology Infrastructure

Modern branch transformation depends not just on physical design, but on aligning technology and operations to support lean staffing, faster service, and more consistent experiences…

Read the Blog

Tuesday 26 May 2026

Ag Lending: The Hidden Risk of Expired and Outdated Documents

Agricultural lending is critical to supporting America’s farming economy, but it comes with ongoing risks—especially when required documentation becomes outdated or incomplete. From cross-collateralized assets…

Read the Blog

Thursday 21 May 2026

Why the Strongest Fintech and Banking Technology Ecosystems Are Built on Partnerships, Not Transactions

Growth in financial services is increasingly driven by collaboration rather than standalone development, with stronger outcomes emerging when providers align around shared goals and complementary…

Read the Blog

Tuesday 19 May 2026

The Operational Backbone of a Successful Instant Payments Strategy for Banks and Credit Unions

Delivering instant payments at scale requires more than access to new rails. Financial institutions must overcome legacy systems, fragmented workflows, and fraud risks to support…

Read the Blog