The benefits of Hilborn & Howell, LLC are irresistible to bankers by erasing inefficiencies, cutting costs, and improving asset quality. There is a constant struggle in the cash flow aspect of banking. There is no surprise that this struggle exists because of the complications surrounding cash flows. Software has tried to solve this problem but has failed because it cannot critically analyze outside the box. The rigidity of software often leads to inaccurate analysis while still requiring paying someone to enter the data. Cash flow analysis is not simply inputting numbers into software to generate ratios and graphs. Hilborn & Howell, LLC knows cash flows are crucial to the lending function, which requires a customizable, human element to understand a borrower's potential to repay debt thoroughly.

The lending function has evolved into a sales and relationship position. The demands of sales are the essence of bank revenue. Commercial lending is built around independent third-party work except for the cash flow analysis. The topic of independent cash flow analysis is often discussed within the banking industry. It is the belief of Hilborn & Howell, LLC that regulators will begin to demand more independence in the future. We have also received solid feedback from examiners across the country

Hilborn & Howell, LLC provides your team with critical advantages in analyzing cash flows with quick turnarounds and competitive pricing. There have been many attempts to analyze cash flows more efficiently and cost-effectively. Hiring an analyst is not the most cost-effective methodology for banks to select, and the lender should be focused on sales rather than the cash flow analysis. Hilborn & Howell, LLCs’ strategy solves all of these problems while protecting the bank. Banks can drive down their overhead costs and achieve consistent results by taking this function to a specialized, independent third party. With Hilborn & Howell, LLC working for your team, more time becomes available for associates to focus on other bank strategies.

Banking is a risk management business. With Hilborn & Howell’s consistent and independent analysis, the risks are reduced. Hilborn & Howell, LLC allows your team to eliminate the many inconsistencies the banking industry has faced when analyzing cash flows accurately and cost-effectively. With Hilborn & Howell, LLC working for your bank, you will achieve more consistent, accurate cash flow analysis for a lower cost while freeing your associates to focus on sales.