Case Study: Chemung Canal Trust Company achieves scalable, streamlined credit processing with Abrigo

Chemung Canal Trust Company - Customer Case Study

Chemung Canal Trust Company of Elmira, NY (approximately $1.2B in assets) was growing its loan portfolio but relied on disparate systems and spreadsheets that created manual-entry risk, inefficiencies, and inconsistent credit risk ratings—making audits and portfolio scaling difficult. To standardize and scale their loan processes, the bank selected Abrigo.

Abrigo implemented Credit Analysis, Risk Rating, Loan Administration and Abrigo ALLL (later adding Credit Analysis for Nonprofit Lending) in about 90 days, giving Chemung a connected, web-based system. The result was objective, well-documented risk ratings that stood up to auditors and regulators, faster credit analyses and shorter loan turnaround, consolidated borrower communications, fewer version-control bottlenecks, and a scalable process that supports growth without materially increasing staff.

Chemung Canal Trust Company

Lucimar Foo Siam Escudero

Vice President & Commercial Credit Manager