Discussion / How To Justify A Change In Your ALLL

How to Justify a Change in Your ALLL

Poll

What type of data do you anticipate leveraging for your CECL calculation?

1-5 years of detailed loan level data
5+ years of detailed loan level data
1-5 years of aggregate (pool level) data
5+ years of aggregate (pool level) data
I don't know the difference

Tip Of The Day

Currently the new CECL standard seeks calculations that make use of an institution’s “reasonably available” data. Starting to collect granular, loan-level data today will provide at least three years’ worth of good and useful data by implementation.

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