{"id":21657,"date":"2026-01-11T07:32:45","date_gmt":"2026-01-11T12:32:45","guid":{"rendered":"https:\/\/www.original-margill.local\/en\/?post_type=ufaq&amp;p=20318"},"modified":"2026-01-11T07:32:45","modified_gmt":"2026-01-11T12:32:45","slug":"what-risks-do-organizations-face-when-managing-loans-with-spreadsheets","status":"publish","type":"ufaq","link":"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/","title":{"rendered":"What risks do organizations face when managing loans with spreadsheets?"},"content":{"rendered":"<div  class=\"ewd-ufaq-faq-list ewd-ufaq-page-type-distinct ewd-ufaq-category-tabs-\" id='ewd-ufaq-faq-list'>\n\n\t<input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' \/>\n<input type='hidden' name='include_category' value='' id='ewd-ufaq-include-category' \/>\n<input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' \/>\n<input type='hidden' name='orderby' value='title' id='ewd-ufaq-orderby' \/>\n<input type='hidden' name='order' value='asc' id='ewd-ufaq-order' \/>\n<input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' \/>\n<input type='hidden' name='current_url' value='\/en\/wp-json\/wp\/v2\/ufaq\/21657' id='ewd-ufaq-current-url' \/>\n\t\n\t\n\t<div class='ewd-ufaq-faqs'>\n\n\t\t<div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21657-QaJ3Qw9vuw' data-post_id='21657'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >A<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tWhat risks do organizations face when managing loans with spreadsheets?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Spreadsheets expose organizations to calculation drift, version conflicts, broken formulas, and undocumented changes. Over time, different users may alter logic without realizing long-term consequences. For example, a small rate change applied incorrectly across a portfolio can compound into material financial misstatements. Spreadsheets also provide limited auditability. Reconstructing how a balance was calculated months earlier often becomes impossible. This creates legal vulnerability during audits, disputes, or compliance reviews. Dedicated loan servicing software eliminates these hidden risks by enforcing controlled calculation logic and preserving full historical traceability.<br><\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n\t<\/div>\n\n\t\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A What risks do organizations face when managing loans with spreadsheets? Spreadsheets expose organizations to calculation drift, version conflicts, broken formulas, and undocumented changes. Over time, different users may alter logic without realizing long-term consequences. For example, a small rate change applied incorrectly across a portfolio can compound into material financial misstatements. Spreadsheets also provide [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":0,"comment_status":"closed","ping_status":"closed","template":"","ufaq-category":[426],"ufaq-tag":[],"class_list":["post-21657","ufaq","type-ufaq","status-publish","hentry","ufaq-category-home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>What risks do organizations face when managing loans with spreadsheets? - Margill<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"What risks do organizations face when managing loans with spreadsheets? - Margill\" \/>\r\n<meta property=\"og:description\" content=\"A What risks do organizations face when managing loans with spreadsheets? Spreadsheets expose organizations to calculation drift, version conflicts, broken formulas, and undocumented changes. Over time, different users may alter logic without realizing long-term consequences. For example, a small rate change applied incorrectly across a portfolio can compound into material financial misstatements. Spreadsheets also provide [&hellip;]\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Margill\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/\",\"url\":\"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/\",\"name\":\"What risks do organizations face when managing loans with spreadsheets? - Margill\",\"isPartOf\":{\"@id\":\"https:\/\/margill.com\/en\/#website\"},\"datePublished\":\"2026-01-11T12:32:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/margill.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FAQs\",\"item\":\"https:\/\/margill.com\/en\/ufaq\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What risks do organizations face when managing loans with spreadsheets?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/margill.com\/en\/#website\",\"url\":\"https:\/\/margill.com\/en\/\",\"name\":\"Margill\",\"description\":\"Loan Servicing Solutions \/ Interest Calculators\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/margill.com\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What risks do organizations face when managing loans with spreadsheets? - Margill","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/margill.com\/en\/ufaq\/what-risks-do-organizations-face-when-managing-loans-with-spreadsheets\/","og_locale":"en_US","og_type":"article","og_title":"What risks do organizations face when managing loans with spreadsheets? - Margill","og_description":"A What risks do organizations face when managing loans with spreadsheets? Spreadsheets expose organizations to calculation drift, version conflicts, broken formulas, and undocumented changes. Over time, different users may alter logic without realizing long-term consequences. For example, a small rate change applied incorrectly across a portfolio can compound into material financial misstatements. 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