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Managing Profitability Under CECL Through Loan Pricing (Part 2)

BY BEN MURRELL, FI CONSULTING Part 2: Applying the Conceptual Loan Pricing Framework to CECL As organizations implement CECL, a key question is how CECL estimates should factor into loan origination and pricing decisions. In Part 1 of this series, we illustrated the mechanics of pricing with a hypothetical loan. In Part 2, we use......

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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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In Depth

Measuring the Size of the…

Measuring the Size of the Small Multifamily Market: A Critical Step in...

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A Study of Real Estate…

Reseach Institue for Housing America Special Report – A Study of Real...

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ZIPpity do da!

Examining LA house appreciation at ZIP level reveals the biggest winners By James...

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Under the Hood of New…

Some aid is on the way, but ‘foreclosure forensics’ might make it...

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Blog

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

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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