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Right now, financial spreading still varies a lot between teams, analysts, and even geographies. Different interpretations of the same financial statements lead to different risk assessments, which is not ideal at scale.
Some lenders are starting to use tools like Collatio Financial Spreading software to bring more consistency into how statements are normalized and ratios are computed. Over time, this could make spreading feel less like an analyst-specific craft and more like shared infrastructure.
For discussion:
Some lenders are starting to use tools like Collatio Financial Spreading software to bring more consistency into how statements are normalized and ratios are computed. Over time, this could make spreading feel less like an analyst-specific craft and more like shared infrastructure.
For discussion:
- Do you think AI will standardise spreading practices across the industry?
- Would that improve risk decisions, or remove useful human judgment?
- How much variation in spreading is actually healthy?