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FI-Blog-CECL-Profitability

Managing Profitability Under CECL Through Loan Pricing (Part 1)

BY BEN MURRELL, FI CONSULTING Part 1: Defining a Conceptual Framework for Loan Pricing Background As organizations implement CECL, a key question is how CECL estimates should factor into loan origination and pricing decisions. Linkage is important because CECL will require that expected losses be reserved at time of origination. Correctly pricing in new reserves......

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FI-Blog-CECL-Pitfalls-to-avoid

White Paper: Four Pitfalls to Avoid During CECL Implementation

BY MARK JORDAN, FI CONSULTING Building a durable, defensible Current Expected Credit Loss (CECL) process that reflects your organization’s view of its credit risk requires painstaking focus on the fundamentals of building and defending your bank’s own view of its risk exposure. This requires bringing a disciplined and methodical approach to building the “case” for......

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In Depth

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Federal Credit Analysis Tool –…

The Federal Credit Analysis Tool (FCAT) provides users the ability to analyze...

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Using Monte Carlo Simulations to…

This article written by James R. Follain, Ph.D., and Seth H. Giertz, was...

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Property Tax Reform: A Tough…

Decline in house prices makes task more important … and more difficult...

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Are Property Taxes a Silver…

Whether homeowners can expect a short-term reprieve is a less-than-simple question By James...

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Blog

FI-Blog-CECL-Profitability

Managing Profitability Under CECL Through Loan Pricing (Part 1)

BY BEN MURRELL, FI CONSULTING Part 1: Defining a Conceptual Framework for Loan Pricing Background As organizations implement CECL, a key question is how CECL estimates should factor into loan origination and pricing decisions. Linkage is important because CECL will require that expected losses be reserved at time of origination. Correctly pricing in new reserves......

Read More

FI-Blog-CECL-Pitfalls-to-avoid

White Paper: Four Pitfalls to Avoid During CECL Implementation

BY MARK JORDAN, FI CONSULTING Building a durable, defensible Current Expected Credit Loss (CECL) process that reflects your organization’s view of its credit risk requires painstaking focus on the fundamentals of building and defending your bank’s own view of its risk exposure. This requires bringing a disciplined and methodical approach to building the “case” for......

Read More