James Darcy, Senior Vice President/Director, Treasury, ESL Federal Credit Union – Rochester, NY
We have been working with Wilary Winn for 10 years on various engagements ranging from Other Than Temporary Impairment testing to lifetime credit loss analysis. The more recent efforts have been in the area of ALLL and capital adequacy where estimated lifetime loss reserves were stressed to determine the Credit Unions capital requirements. In addition, Wilary Winn performed a deep dive into our auto portfolio’s credit risk. This allowed ESL to comfortably extend credit to our membership while maintaining a profitable offering. The team is highly professional and has the ability to conduct complex economic analyses and convey them in an intuitive manner that is understandable and informative to various levels of management.