ALLL THINGS CONSIDERED

THE MST SOLUTION

MST IS THE PIONEER AND LEADING PROVIDER OF AUTOMATED ALLOWANCE FOR LOAN AND LEASE LOSSES (ALLL) SOLUTIONS AND SUPPORT.

UNDERSTANDING CECL

WHILE WE WAIT FOR AN ANNOUNCEMENT OF THE NEW FASB ACCOUNTING STANDARD THAT WILL REQUIRE BANKS TO BASE THEIR ALLL CALCULATIONS ON FUTURE OR “EXPECTED” LOSSES, IT MAY BE HELPFUL TO REMIND OURSELVES OF SOME KEY THINGS WE ALREADY KNOW ABOUT THE STANDARD, AND CONSIDER WHAT WE CAN DO TO PREPARE FOR THE IMPENDING IMPLEMENTATION.

MST 2016 NATIONAL CONFERENCE

THE NATION’S ONLY CONFERENCE DEDICATED TO THE ALLL.

 

MAY 24-26, 2016

TORREY PINES

SAN DIEGO, CA



Registration and Details Coming Soon!

LOSS EMERGENCE PERIOD

IT’S CALLED THE LOSS EMERGENCE PERIOD (LEP), THE LOSS DISCOVERY PERIOD (LDP) OR THE LOSS CONFIRMATION PERIOD (LCP) AND IT IS IMPORTANT TO YOUR ALLL ESTIMATE. THE AVERAGE TIME BETWEEN WHEN A LOSS EVENT OCCURS FOR A SPECIFIC LOAN TYPE AND WHEN THE LOSS IS CHARGED OFF CAN HELP JUSTIFY HIGHER LOAN LOSS RESERVES. MST MIGRATION ANALYSIS UTILIZES LEP WHEN HELPING OUR CUSTOMERS CALCULATE A MORE REASONABLE AND ACCURATE ALLL.

THE IMPACT OF AUTOMATING ALLL CALCULATION WITH THE MST LOAN LOSS ANALYZER

AN MST CLIENT SURVEY OF RANDOMLY SELECTED BANKS

Percentage of time saved gathering data for estimating the ALLL after implementing the Loan Loss Analyzer based on the number of days in a given calculation period where at least part of the day is spent working on the ALLL estimate.

MSTSOLUTIONS

LOAN LOSS ANALYZER

MST’S LOAN LOSS ANALYZER HAS BEEN ADOPTED BY BANKS ACROSS THE UNITED STATES AS THEIR MODEL FOR ANALYZING LOAN LOSSES, DETERMINING THEIR ALLOWANCE FOR LOAN AND LEASE LOSSES (ALLL) AND DOCUMENTING THEIR ALLL PROCESSES.

PORTFOLIO STRESS TESTING

THE MST PORTFOLIO STRESS TEST ACCESSES DATA COLLECTED AND MANAGED WITHIN THE BANK’S CORE LOAN AND ALLL SYSTEMS, AND APPLIES BANK-SELECTED STRESS SCENARIOS TO MANIPULATE RESERVES TO REVEAL IMPACTS ON CAPITAL.

MIGRATION ANALYSIS

BANKS ARE INCREASINGLY ADOPTING LOAN MIGRATION ANALYSIS AS A MORE ACCURATE WAY TO DETERMINE FUTURE PORTFOLIO LOSSES.

MST REVIEW

MST REVIEW BOTH INTEGRATES AND STREAMLINES THE LOAN AND CREDIT REVIEW FUNCTIONS THOUGH A SOPHISTICATED SYSTEM OF INTER-RELATED MODULES.

LOAN ADMINISTRATION SYSTEM

THE MST LOAN ADMINISTRATION SYSTEM IS A COMPLETE PROGRAM THAT INCLUDES EVALUATION, TRAINING AND AUTOMATION OF THE BANK’S PROCESSES FOR MANAGING RISK IN REAL TIME AND MINIMIZING LOSS.