Case Study: BankSouth achieves consistent, standardized loan packages and improved credit analysis with Abrigo

BankSouth - Customer Case Study

BankSouth, a community bank in Greensboro, GA, faced a decentralized credit process where lenders relied on spreadsheets for global cash flow calculations, creating inconsistency as the bank grew and moved to a new regulatory agency. To formalize and standardize credit analysis, BankSouth engaged Abrigo and its Credit Analysis/narrative reporting capabilities.

Abrigo delivered narrative reports on every credit that standardized loan packages, clarified borrower financial health and industry benchmarks, and gave lenders actionable talking points. The result was smoother loan committee reviews, more consistent underwriting, and positive regulatory recognition—OCC examiners were “very complimentary” of BankSouth’s loan packages—demonstrating the tangible impact Abrigo provided.

BankSouth

Tracy Hayden

Chief Credit Officer & SVP