Computer software for banking and commercial lending purposes, namely a commercial credit analysis software package, providing the user with thorough analysis of a company's financial statements, intended to assist the user with a better understanding of the financial health of a company; a personal tax return and personal financial statement analysis software package provides the user with thorough analysis of an individual's 1040 tax return and personal financial statement, intended to assist the user with a better understanding of the financial health of a single individual; portfolio manager software package provides for complete portfolio reporting on the credit analysis and personal tax return relational database; a loan pricing software that helps lenders price loans for better profitability; a contact management software provides the user with tools to track activities, appointments, reminders, to-do's, sales and expenses; an add-on to the contract management program, providing tickler management tools, namely software used in the commercial banking industry, namely software helps a lender track the timely receipt of recurring financial documents a client is required to provide, during the life of a loan or line of credit