CECL Allowance Calculation Software: MST Loan Loss Analyzer

MST Loan Loss Analyzer from Abrigo

MST's Loan Loss Analyzer (LLA) provides financial institutions with a more customizable platform for CECL automation. Institutions can manage loan portfolio risk through a rich and multifaceted solution tailored specifically for them and their reporting requirements. The LLA accommodates unique client methodologies and processes while offering the controls necessary for compliance with U.S. GAAP. 

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From the MST Loan Loss Analyzer

Offers a tailored model to the institution’s unique methodology
Gives the controls necessary for compliance with U.S. GAAP
Build correlation and regression analysis quickly between your portfolio and key economic data with the Virtual Economist
Run parallel allowance process to test methodologies and different assumptions in an automated environment
Flexible deployment options (on-premise or hosted)  
Integrates with any core system, as well as other interfaces such as general ledger, charge-off and recovery, credit card, and others

Confidence in Transition to CECL

MST Loan Loss Analyzer is an American Bankers Association (ABA) endorsed CECL software solution.

MST Loan Loss Analyzer

Model to Your Methodology

Choose your model or models. Manage loss rate methods, roll-rate methods, probability-of-default methods, or methods using vintage or other cohorts.

Systems Integration

Interface with your existing data systems, seamlessly gather data, and calculate the allowance according to your chosen methodology or methodologies.

Loan Data Warehouse

Compile and manage loan and loss data for current and historical periods.

Shadow Loss Analysis

Test CECL methodologies while maintaining a compliant incurred loss model

Correlation Analysis

Calculate the relationship between economic variables and loan level data to support forecasts.

Verifiable Audit Trail

Verify the accuracy of the calculation so auditors and regulators can see exactly what you did and why.

Robust Reporting

Produce reports that serve as management tools to make sound business decisions and maximize profitability.

Accuracy

Eliminate errors inherent in manual data entry and spreadsheets so that you can be confident that your calculations are accurate.

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MST Loan Loss Analyzer can help your institution?

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It is easier to illustrate through the use of the MST Loan Loss Analyzer reports the up-front provision costs of making loans, which can assist in the pricing decisions related to those loans. 

JOSEPH  POLACZYK, EXECUTIVE VICE PRESIDENT & CHIEF FINANCIAL OFFICER, NORTH AMERICAN BANKING COMPANY

Stable and Steady:
Addressing CECL and More in Addison County, Vermont

With CECL an impending reality, the National Bank of Middlebury determined that Excel would no longer provide an acceptable allowance analysis. That was among several practical matters driving them to begin exploring ALLL automation.

The need to sophisticate the ALLL process was also driven by recent increases in problem loans, delinquencies and charge-offs, and an increasing focus on the ALLL by the bank’s regulators. Read how they automated and how they are now transitioning to CECL.

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It's time to make big things happen,
without the big overhead.

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Additional Integrations

Virtual Economist

The Virtual Economist gives you the latest economic data to easily run correlation analysis against your institution’s data. This powerful tool gives you the ability to see trends in your loan portfolio and satisfy the economic forecasting, forward-looking requirements of CECL.

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Shadow Loss Analysis

Shadow Loss Analysis allows financial institutions to test different models, methodologies, and assumptions in an automated, parallel environment using actual data.

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Advanced Q Factor Matrix

For users looking for a more quantitative approach to Q-factors, the Advanced Q-Factor Matrix add-on allows you to create matrices based on internal or external variables that then lead to a particular basis point adjustment.

We often say around here that MST Loan Loss Analyzer changed our lives. Before our reserve process was very manual and stressful and involved lots of going back and forth between several departments. It would take us two days each month-end to complete the calculation and we would spend several other days compiling disclosure reports. After implementation of the Loan Loss Analyzer, the whole process runs like a well-oiled machine. Now that’s big.

AMANDA TAYLOR, CPA, SVP, FINANCIAL REPORTING MANAGER, LEGACY TEXAS

Meet the Experts

Abrigo provides a comprehensive set of Portfolio Risk and CECL consulting services tailored to your financial institution's needs. Our dedicated team of experts is made up of CPAs, former regulators, and risk experts who are ready to help you manage risk and drive profitability.