“Exchange Bank started working with Hilborn and Howell in 2016.  Since that time, our credit files have greatly improved with the professional, accurate credit analysis that H&H has provided for our customers.  As an institution, we feel this outside credit analysis provides an independent view of our largest bank credits, which will feel is an added benefit and layer of protection for our bank.”

Andrea Bendele

Stillwater Market President, Exchange Bank

“The team of Hilborn & Howell have greatly exceeded our expectations.  Their ability to provide accurate, efficient and in-depth cash flow analysis has greatly assisted in increased production and improved our loan approval process. They provide the expertise and professionalism of a seasoned credit underwriting department without the high cost and overhead. A reliable source from outside the bank and the area, they provide another independent review of  the credits from a totally unbiased viewpoint.”

Ryan P. Curry

President/CEO, BC Bank

“Hilborn and Howell is an amazing business partner.  Their website is extremely user friendly and makes it so easy to send them the required information.  They are flexible and always willing to work within the time frame we have and good to answer any questions we send their way.  We would definitely recommend them for your cash flow needs!!”

Michelle Davis

Sr. Vice President, RiverWind Bank