Reviewing Expected Credit Losses on a Loan Portfolio
The Challenge
Expected-loss analysis requires a traceable loan population and explicit prepayment, default and severity assumptions.
The Solution
Upload a private portfolio, review its mapped fields and pricing assumptions, then inspect the Credit (CECL) analysis alongside the underlying loan data.
Start with the source tape
Upload your portfolio through Analyze. Review processing status and resolve any fields that need attention before relying on the output. Uploading does not publish a portfolio for sale.
Review assumptions and results
Open the portfolio's Credit (CECL) analysis. Check the loan population, expected losses and assumptions. A missing source value should remain disclosed rather than being treated as a measured zero.
Document your judgment
Use the analysis to support your institution's review. Management remains responsible for its accounting policies, qualitative adjustments and supporting documentation. Software output is not an audit opinion or a guarantee of examination results.
Explore the calculator
The public CECL calculator runs on a representative loan using the inputs shown. It can help explain sensitivities; it is not a substitute for reviewing the institution's full portfolio.
See these analytics on your own loans
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