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"We've had a good relationship and a good partnership with Experian. They’ve done a good job of what I call 'investigative selling,' of finding products and solutions that help us as opposed to just trying to move product, so we’ve been very happy with the relationship.."

Jerry Weisman, Executive Vice President
Community Bank of Florida

Baker Hill Statement Analyzer

Gain the flexibility to spread and analyze financial statements from anywhere with an Internet connection.

Baker Hill Bank2Business

Dynamically manage all of your business credit requests faster and with more consistency.

Baker Hill Bank2Consumer

Process more applications, promise quicker turnaround on credit requests and more consistent enforcement of your credit policy rules.


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Monitoring Credit Portfolio Risk During Tough Economic Times

What your peers are saying: Community Bank of Florida

Community Bank of Florida

Jerry Weisman, Executive Vice President, Community Bank of Florida

We’re a $560-million bank in Homestead, a bedroom community of Miami. I’m responsible for all things to do with credit on the operations side as well as the production side.

Challenges

Right now our biggest challenges are maintaining credit monitoring and portfolio credit risk through these economic times. Even though we are starting to see a slight uptick, it’s still important to maintain that high credit quality. For anyone in banking in Florida over the past few years, the biggest challenge has been commercial real estate. That continues to be our biggest single problem in terms of managing the portfolio and dealing with the evaporation of collateral, which has happened over the past three years.

Core Solutions

When I got to the company 10 years, ago we had Stan. From there we’ve evolved into One Point. We have the full One Point suite. We also use B2B (Baker Hill Bank2Business) and B2C (Baker Hill Bank2Consumer), and just recently we replaced Stan with Statement Analyzer.

Experian's Consultative Approach

We've had a good relationship and a good partnership with Experian. They’ve done a good job of what I call "investigative selling," of finding products and solutions that help us as opposed to just trying to move product, so we’ve been very happy with the relationship. The people we deal with have been very responsive. It’s been a very good relationship.

The Results

We’ve definitely seen improvement in the efficiency of handling our consumer loans with the B2C product. We’ve also moved all of our small commercial loans, 250 and under, into B2B, and that’s helped with the processing as well. The biggest lift that we’ve gotten from a product would probably be from React, which has given us a really good handle on managing and tracking our ticklers which was a need that we had a very glaring weakness in. But that’s filled that void.

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