Commercial Insights

Picture this: two credit analysts review two similar business accounts. Same industry, similar revenue, comparable payment history. They arrive at different conclusions, not because either one made a mistake, but because they started from different data, different formats, and different levels of detail. Multiply that across a portfolio, a team,

By, Vince Fernandez , Senior Vice President CIC Commercial Credit In today’s business environment, risk can change quickly — and often without warning. Inflationary pressure, supply chain disruptions, shifting consumer demand, rising borrowing costs, and market uncertainty have made it increasingly difficult for businesses to rely on outdated credit assumptions