CECL Strategy Software

The new CECL rules for estimating loan loss reserves offer general guidelines and a list of acceptable methods, but no specific recommendations for how best to implement those rules.  DFA studied a large mortgage dataset from Fannie Mae and Freddie Mac to test a range of models and options.  The results quantify the pros and cons of these options.  Contact us for a complimentary copy of the study results.

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DFA’s credit risk model produces a FAS 5 Allowance for Loan Loss (ALLL) forecast to meet today’s requirements as well as a CECL-compliant ALLL forecast.  The easy to use, cloud-based solution analyzes historical data, provides diagnostics on forecasts and generates validation reports at any time with a simple click of a button.  Additional modules provide actionable intelligence on pricing for risk and actionable insight at the loan level for collections and account retention.  Through the use of economic- and new origination scenarios, credit unions can perform what-if analysis and stress test their portfolio.

Credit Unions are making loans today that will still be on the books when CECL is required.  The sooner you know how CECL will affect your allowance for loan loss, the sooner you will be able to optimize your portfolio under CECL rules.


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