MST Advisory Services

Consulting services to support
your smooth transition to CECL

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.

Strategic Services

  • CECL Blueprint

    Construct an implementation and methodology strategy that guides your institution through development of a CECL-compliant model

  • Data Audit

    Assess quality and quantity of your historical data, propose solutions for gaps and warehousing

  • Pool Segmentation

    Evaluate your pooling considerations and recommendations, measuring life-of-loan and appropriate adjustment factors

  • Gap Analysis

    Understand the gaps between your current process and what will need to be done for CECL

  • Economic Forecasting

    Identify economic variables you should consider and test against loan portfolio performance

  • Methodology

    Enhance your current processes, test potential alternate approaches, adopt single or multiple methodologies

  • Model Compliance

    Plan your technology, documentation, capital budgeting, and internal controls

  • Model Validation

    Verify your model and methodologies following implementation

  • Implementation of Final Methodology

    Launch your compliant methodology into a technology solution

  • Transition Support

    Support your transition beyond the CECL effective date

  • Correlation Analysis

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

  • 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.

Advisory Leadership Team

Regan Camp

Regan Camp

Managing Director

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.

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Shane Williams

Senior Advisor - Modeling

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.

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Garry Rank

Garry Rank

Senior Advisor

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.

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Dorsey Baskin

Dorsey Baskin

Independent Advisor - Accounting

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.

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Chris Emery

Chris Emery

Senior Advisor - Engineering
MST Director of Special Projects

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.

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Tom Cunningham, PhD

Tom Cunningham, PhD

Senior Advisor - Economics

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.

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Shelly Biggs

Shelly Biggs

Senior Advisor

For more than 30 years Shelly has provided risk management expertise as an executive with and consultant to the nation’s largest financial institutions.

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Interested in how MST

ADVISORY CAN ASSIST YOUR INSTITUTION?

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