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Wilary Winn LLC
  • (651) 224-1200
  • Services
    CECL
    & ALM
    • Credit Risk
      • Current Expected Credit Loss (CECL)
      • Capital Stress Testing
      • Concentration Risk Management
      • Real Return Analyses
    • Outsourced ALM Advisory
      • Interest Rate Risk Management
      • Budgeting and Balance Sheet Optimization
      • Liquidity Stress Testing
    Mergers &
    Acquisitions
    • Preliminary and Final Merger Valuation
    • Accretion True-up
    • Goodwill Impairment Testing
    • ASC 310-30
    Valuation of
    Loan Servicing
    • Residential MSRs
    • SBA 7(a) Loan Servicing
    • Commercial Servicing
    Additional
    Services
    • Mortgage Banking Derivatives (IRLCs)
    • Fair Value Footnotes
    • ALM Model Validation
    • Non-Maturity Sensitivity Analyses
    • SBA 7(a) Gain on Sale
    • TDRs
    • Non-Agency MBS
    • TruPS
    Overview of Services
  • Our Company
    • About Us
    • Our Team
    • Relationships
  • Services
    • Overview of Services
    • CECL & ALM
    • Mergers & Acquisitions
    • Valuation of Loan Servicing
    • Additional Services
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  • News & Events
  • Contact Us
  • Careers

Budgeting and Balance Sheet Optimization

We help our clients to reach their goals by providing them with informed, objective advice regarding implementation alternatives.

Why Choose Us

We help clients measure, monitor and mitigate balance sheet risk on an integrated basis. We consider credit, interest rate, and liquidity risk on a holistic basis recognizing a financial institution can implement multiple strategies to meet its strategic objectives.

Financial institutions can choose from a myriad number and type of vendors to help them manage their balance sheet. Some focus on software solutions while others offer consulting advice.

Providers often specialize – one type of software vendor offers credit loss estimates while ignoring interest rate risk. Another type focuses on interest rate risk management and considers credit risk at the aggregate level. Similarly, some advisory firms provide investment advice only, while others provide detailed advice on a single loan type – residential real estate or indirect auto.

Providers are also compensated in different ways. Software vendors often seek long-term contracts with onerous deconversion costs and investment advisory firms are generally compensated through commissions based on the sales and purchases of investments.

This array of options can make choosing a vendor a complex endeavor trying to identify expertise while being aware of potential conflicts of interest. We are different. We charge a fee for our advice so we do not have a financial bias as to the solution(s) a financial institution opts to implement. We simply want what is best for our client.

Our Approach

We offer this service to our ongoing ALM advisory clients and our what if scenarios are informed by the inputs we have derived to measure and mitigate interest rate, liquidity and credit risk. Our credit loss estimates are derived in full accordance with CECL and thus directly include macroeconomic forecasts. We work with our clients to iteratively develop alternatives including growth, change in product mix on both sides of the balance sheet, and loss results under varying interest rate and credit conditions. Through the process we quantify the effects on a financial institution’s capital and consider liquidity risk. Because we consider interest rate, liquidity and credit risk holistically under multiple potential macroeconomic conditions our clients can make informed decisions regarding and risk and return and implement the strategy that works best for them.

Services

  • Outsourced ALM Advisory
    • Interest Rate Risk Management
    • Budgeting and Balance Sheet Optimization
    • Liquidity Stress Testing
Featured

Best Practices in ALM [WW University Presentation]

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, […]

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What our clients say

Since 2010 we have relied on Wilary Winn to provide fair value pricing and accounting advice for a portion of our investment portfolio. Their work and advice have been invaluable […]

Jack J. Richter, President & Chief Executive Officer, Winona National Bank – Winona, MN
Read More

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What We Do

  • CECL & ALM
  • Mergers & Acquisitions
  • Valuation of Loan Servicing
  • Additional Services
  • © 2021 Wilary Winn LLC
  • (651) 224-1200
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