MST provides a comprehensive set of ALLL and CECL consulting services and software solutions. Tailored to your financial institution’s needs, Advisory Services address all aspects of the allowance, including projects required for a successful, efficient transition to estimating under the Current Expected Credit Losses (CECL) standard.
Construct an implementation and methodology strategy that guides your institution through development of a CECL-compliant model
Assess quality and quantity of your historical data, propose solutions for gaps and warehousing
Evaluate your pooling considerations and recommendations, measuring life-of-loan and appropriate adjustment factors
Understand the gaps between your current process and what will need to be done for CECL
Identify economic variables you should consider and test against loan portfolio performance
Enhance your current processes, test potential alternate approaches, adopt single or multiple methodologies
Plan your technology, documentation, capital budgeting, and internal controls
Verify your model and methodologies following implementation
Launch your compliant methodology into a technology solution
Support your transition beyond the CECL effective date
Calculate the relationship between economic variables and loan level data to support forecasts.
Choose your model or models. Manage loss rate methods, roll-rate methods, probability-of-default methods, or methods using vintage or other cohorts.
Regan leads a team of subject matter experts who assist financial institutions nationwide in accurately interpreting and applying federal accounting guidance. He is a nationally recognized speaker, writer, thought leader and trusted advisor on the ALLL and CECL.READ MORE
Shane counts more than 25 years of financial and risk management experience as a banker, in software development and delivery, and as a consultant to major financial institutions.READ MORE
With more than 36 years of experience, Garry’s industry concentration in financial services has included corporate financial auditing, accounting and financial reporting as well as consultation regarding governance, financial systems and internal controls.READ MORE
Dorsey recently retired from the National Professional Standards group of Grant Thornton LLP where he led the firm's initiatives to provide accounting and auditing services to the banking industry.READ MORE
Chris has helped hundreds of financial institutions of varying asset sizes and employing all major core systems implement allowance technology that supports their efforts to comply with regulatory and accounting standards, including in their current transition to estimating the allowance under CECL.READ MORE
Tom is a retired senior economist of the Federal Reserve Bank of Atlanta. His deep experience covers all aspects of applied economics and real estate trends, and he is a specialist in macroeconomic policy and regional analysis.READ MORE
Chuck assists financial institutions nationwide in the interpretation and application of Current Expected Credit Loss (CECL). His professional experience extends to various disciplines, including operations management, sales, human resources, product development and management in software licensing and delivery (SAAS).READ MORE
Paula has held executive positions, including as Chief Financial Officer, in the banking industry for more than 25 years. She has been responsible for SEC and financial reporting and presentations, capital raising efforts and strategic planning, and has served as a Chief Risk and Compliance Officer.READ MORE
Tom offers MST Advisory clients the expertise of more than 30 years in community bank leadership – in Finance/Accounting, Audit and Risk, Operations and Information Technology.READ MORE
As a senior advisor for MST Advisory Services, Michelle brings her clients more than 30 years’ experience in banking, regulation and third-party services. She holds CRCM and CAMS certifications.READ MORE