Introduction The four largest bank holding companies in the United States: JP Morgan Chase & Co., Bank of America Corporation, Citigroup Inc. and Wells Fargo & Company held approximately $10 […]
Frank Wilary, Principal Introduction We are at the beginning stages of the reopening process. As of mid-May 2020, 42 states have partially opened their economies. The level of permitted increased […]
On November 19, 2019, the SEC issued Staff Accounting Bulletin No. 119. In the words of the SEC, “the staff accounting bulletin updates portions of the interpretive guidance included in […]
Auto Loan Delinquency Trends Steady Overall, Rising for Millennials Released June 2019 Andrew Van Dellen, Financial Analyst This white paper is part of a continuing series highlighting credit trends in […]
Our CECL Resource Center includes information on implementing the new standard, including the advantages and disadvantages of the modeling techniques that can be used and the data you should be […]
Released December 2016 Attend any recent or upcoming financial institution conference and you will find considerable discussion and debate about the new accounting guidance related to the Current Expected Credit […]
Inspired by client questions, we offered ALM Strategies as part of the 2016 Wilary Winn University. The content includes using iterative ALM analysis to improve risk-based pricing by explicitly quantifying credit losses, […]
Douglas Winn and Frank Wilary presented on Implementing CECL at the CUNA CFO Council on May 22, 2017. The presentation provides practical ways to estimate credit losses in full accordance with the […]
On November 3, 2016, Frank Wilary presented at the Nebraska Bankers Association on Asset Liability Management, concentrating on the balance sheet and identifying inherent risks along with evaluating business strategies for […]
The Credit Union National Association (CUNA) interviewed Douglas Winn for the May 2017 issue of the Credit Union Magazine, highlighting the Current Expected Credit Loss (CECL) model. The focus of […]