ALLL CONSULTING

With problem loans increasing, profits sagging, and new capital hard to find, getting the Allowance for Loan and Lease Losses (ALLL) right is more important than ever. Synergy helps credit unions better understand how to manage this critical component of the credit risk management program, including how to address ASC 450 (formerly SFAS 5), historical loss data, qualitative factors (“Q-factors”), ASC 310 (formerly SFAS 114), identify loans and measure impairment.

Credit Risk Management

AN EFFECTIVE LOAN REVIEW SYSTEM PROMPTLY:

  • Identifies credit weaknesses
  • Verifies the appropriateness of the loan classification or credit grade
  • Identifies portfolio trends
  • Evaluates credit policy effectiveness; and
  • Provides management with accurate and timely information for regulatory reporting and determination of the ALLL

Loan Review should be a process to detect weaknesses in the various levels of an institution’s credit initiation and underwriting.

Contact Us Today

ANCIN COOLEY
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224.475.7551

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CHICAGO

148 Kimball St.
Elgin, IL 60120

WASHINGTON DC

1875 I Street NW, Ste. 500 
Washington, DC 20006

ATLANTA

260 Peachtree Street NW, Ste. 2200 
Atlanta, GA 30303