Software

Loan Review Plus Modern Analysis Tools

At Enlighten Financial, we believe a loan review can add value beyond a one-time snapshot; it can be the foundation for year-round insight. That’s why all Enlighten clients receive access to portfolio analytics software from Qualtik.

Institutions have the ability to analyze and monitor credit risk throughout the year, not just during scheduled reviews. Whether you’re preparing for an exam, evaluating market shifts, or simply wanting to better understand your risk exposure, you’ll have the tools you need at your fingertips.

What Sets Us Apart

When you work with Enlighten Financial, you get more than just an independent loan review; you get year-round visibility into your portfolio’s health. While many firms deliver a static report, we go a step further by giving you access to powerful portfolio analysis software from Qualtik.

This means you’re not limited to a single point in time. You can run your own scenarios, prepare for market shifts, and make informed credit decisions, without waiting for the next review cycle. It’s a smarter, more agile approach to credit risk management, and one that gives you a clear edge.

Designed for Community Banks

We understand the demands facing community banks because we’ve served them for over a decade. Our tools are built specifically for institutions like yours; where teams are lean, compliance pressure is high, and having the right information quickly can make all the difference.

The platform is intuitive, secure, and ready to use. Whether you’re preparing for an exam, briefing your board, or monitoring risk between reviews, you’ll have the clarity and control you need, right when you need it.

“The staff at Enlighten have been available for questions, in addition to the engaged work that they do. They've been very helpful as a resource beyond the major audit.”

— Meghann Kasper, Chief Credit Officer, Bank First

“Enlighten gives us a very good second set of eyes on our transactions. They're not afraid to challenge us on some of the work that we've done, which is what is needed. I don't need to pay somebody to tell me I'm good, I need to pay somebody to tell me where I've made mistakes.”

— Robert McPherson, VP of Risk Management, Peoples State Bank

“Enlighten provided industry best practices that weren’t going to show up in an audit report. They would say, ‘Hey, I noticed you do this. This is really unique, you do a really great job of it.’ And then they might add, ‘Some other clients that I have are doing something like this.’”

— Bill Beardsley, President, Michigan Business Connection

“By questioning some of our methodologies, Enlighten has helped us say, ‘Okay, this is where we need to train staff better and focus on so that they understand what they're doing better.”

— Robert McPherson, VP of Risk Management, Peoples State Bank

“The organization of the communication — before, during, and after the reporting process — was certainly better with Enlighten than what I've experienced with a lot of auditors.”

— Bill Beardsley, President, Michigan Business Connection

“The staff at Enlighten have been available for questions, in addition to the engaged work that they do. They've been very helpful as a resource beyond the major audit.”

— Meghann Kasper, Chief Credit Officer, Bank First

“Enlighten gives us a very good second set of eyes on our transactions. They're not afraid to challenge us on some of the work that we've done, which is what is needed. I don't need to pay somebody to tell me I'm good, I need to pay somebody to tell me where I've made mistakes.”

— Robert McPherson, VP of Risk Management, Peoples State Bank

“Enlighten provided industry best practices that weren’t going to show up in an audit report. They would say, ‘Hey, I noticed you do this. This is really unique, you do a really great job of it.’ And then they might add, ‘Some other clients that I have are doing something like this.’”

— Bill Beardsley, President, Michigan Business Connection

“By questioning some of our methodologies, Enlighten has helped us say, ‘Okay, this is where we need to train staff better and focus on so that they understand what they're doing better.”

— Robert McPherson, VP of Risk Management, Peoples State Bank

“The organization of the communication — before, during, and after the reporting process — was certainly better with Enlighten than what I've experienced with a lot of auditors."

— Bill Beardsley, President, Michigan Business Connection