abrigo.com CHALLENGES Chemung Canal Trust Company of Elmira, New York, emphasizes serving its local community, and the institution was successfully growing the loan portfolio even before they subscribed to Abrigo in 2013. With the additional loan volume, the institution’s loan processing systems were going to be put to the test. Many steps in the life-of-loan process were handled in disparate systems, which meant lenders, analysts and loan administration officers were having to manage multiple spreadsheets and programs that introduced risk of manual data-entry error and—more significantly — risk of inefficiency that would dampen their ability to grow. Without a centralized risk rating system, the institution was also concerned with the reliability and objectivity of risk r

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