Case Study ยท Community bank credit automation
Ironwood
Ironwood helps community bank lenders and credit analysts move from raw borrower financials to a finished credit memo faster, with consistent analysis and an audit friendly record of every step.
The Challenge
Where it started.
Credit memos at community banks are often assembled by hand: spreading tax returns and financial statements, calculating ratios, and writing narrative in a word processor. It is slow and inconsistent.
Any solution had to meet the security and data handling expectations of a regulated financial institution.
What We Built
The platform.
Financial spreading
Structured capture of borrower financial statements and returns.
Ratio and cash flow analysis
Consistent calculations across every deal.
Memo generation
Drafted credit memo sections assembled from the analysis.
Review workflow
Analysts and lenders review, edit, and approve.
Document management
Supporting documents organized per deal.
Bank level controls
Access restricted by institution and role.
Platform in Action
Real screens from Ironwood.
Executive credit summary
A one-page committee snapshot that pulls every figure from the supporting schedules.
Ratios and risk rating
Each factor is scored on the bank's own ranges and banded onto its 1 to 9 rating scale.
Financial spreading
Balance sheets spread line by line, with schedules behind every entry and a built-in balance check.
Architecture and Security
- Institution level tenant isolation with row level security
- Role based permissions for analysts, lenders, and administrators
- Encrypted connections and protected document storage
- Activity records to support internal review
The Outcome
Analysts spend less time on manual assembly and more time on judgment.
Memos follow a consistent structure across lenders and deals.
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