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ABA: The American Bankers Association
Industry Insight

Modernizing Credit Risk Management: How Qualtik’s Acquisition of Enlighten Financial Enhances Loan Review Services for Community Banks

  • Brought to you by Qualtik
  • Published July 1, 2025

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Qualtik, a fintech company specializing in credit risk analytics for community banks, has acquired Enlighten Financial, a Wisconsin-based firm with over 20 years of experience in loan review and credit services. This strategic move combines Enlighten’s trusted credit expertise with Qualtik’s real-time portfolio analysis and stress testing tools. The integration enables banks to go beyond static loan reviews by offering dynamic, ongoing insights into portfolio health, risk concentrations, and economic stress scenarios. The acquisition strengthens Qualtik’s offering by bridging traditional credit services with modern technology, helping community banks manage credit risk more proactively in an increasingly complex regulatory and economic environment.

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