CECL Data: Mind the gaps and start today
When should institutions begin to execute preliminary CECL calculations?
Vintage analysis and data collection
Vintage analysis is a method of evaluating the credit quality of a loan portfolio by analyzing net charge-offs in a given loan pool where the loans share the same origination period. It allows the financial institution to calculate the cumulative loss rates of a specific loan pool, thereby determining the loan pool’s lifetime expected loss... Read more »