Everything you need to comply with CECL — and optimize capital.
CECL Express is a unique industry-lending solution built from the ground up. Five approved ECL methods, rigorous audit support, and all required market data — included.
Minimal Implementation Effort
Natively integrated with Finastra cores — up and running within a week.
Multiple ECL Choices by Loan Pool
Five approved methods to maximize flexibility across diverse portfolios.
Rigorous Audit Support
Clear, tractable audit trail from ECL results down to loan-level data.
Best-in-class Intuitive UX
Modern dashboards designed for analysts, auditors, and examiners alike.
Required Market Data Included
Yield curves, PD curves, peer losses and FFIEC/NCUA call reports — built in.
Comprehensive Reporting
Pool-level method selection with detailed and exportable reporting views.
Up and running on CECL Express within a week.
Current Expected Credit Losses (CECL) methodology guidelines require credit unions and banks to adopt the new standard. Banks and credit unions must start system evaluation, selection, and implementation — there is no option to delay further.
CECL Express is natively integrated with Finastra core systems (including Loan IQ, Phoenix, and Ultra Data) and requires no other data except your loan portfolio specifics. Because your loan book is already mapped, users can be up and running within a week.
Other non-Finastra core banking systems can be mapped easily in just days.
Dashboards built for analysis and audit
Purpose-built views for every step of CECL — from portfolio review to method selection and method-specific deep dives.
Full CECL results and loan book details at a glance
- Full CECL result and loan book details
- Multiple economic scenarios from base level to severe recession
- Macroeconomic factors displayed graphically
- Graphical and tabular breakdown of ECL by pool and loan
Intuitive navigation for analysis and audit
- Intuitive navigation around the system for analysis and audit
- Full loan details displayed to ensure data integrity
- All portfolio data mappings fully explained
- Portfolio summary and upload details shown for veracity
Pool-level ECL method selection and review
- Dedicated screen to select ECL methods by pool
- Choice of five approved methods
- Compare results across methods for each pool
- Every pool listed by call or class code
Weighted Average Remaining Maturity overview
- Specific results for all pools using the WARM methodology
- Macroeconomic factors used in the ECL computation
- Graphical representation of amortized cost and loss allowance
- Unadjusted loss rate for each pool using the ECL method
DCF approach with loan-level transparency
- Visual breakdown by pool and account
- Amortised cost breakdown of loans using the DCF method
- Analysis of loan book by principal
- Loan-level results including EIR and other contributing calculations
Roll Rate analysis across pools and loans
- Specific results for all pools using the roll rate
- Loan-by-loan breakdown of roll rate specific results
- Relevant Q-factors applied to the loss calculation
- Graphical representation of ECL by loan maturity
Choose the right method for every loan pool.
CECL Express allows maximum flexibility in model choice — enabling you to continuously optimize liquidity, P&L, and manage capital and required loss provisions.
As loan portfolios diversify (e.g. auto loans and second liens on homes), targeted methods per pool become essential. CECL Express lets you assess and selectively use results for each pool and method.
Justify every result with confidence.
Justifying ECL model selection and results to auditors and bank examiners is the most challenging aspect of complying with CECL. Two key considerations support effective audit and examination:
- A clear and tractable path and audit trail from ECL results through underlying data and loan-level results.
- Ease of input data management through structural location, access, and stepwise analytics.
Models are only as good as the data feeding them.
CECL Express provides all market data required for audit and supervisory submissions — every input and result is available and easily tractable. Banks and credit unions only need to provide their loan information.
- FFIEC / NCUA call reports
- Yield curves
- PD curves
- Peer group losses
- Market data needed for all ECL methods
Explore CECL Express in a concise, easy-to-read brochure.
We can help your enterprise explore multiple implementation models and our robust audit support when implementing CECL.
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