Credit Analytics

Risk Stratification

FICO Migration

Risk Based Lending Validation

Loan Modification Analysis

ALLL Evaluation Methodology

CECL Preparation

Credit analytics involves analyzing your loan portfolio to understand its unique risk characteristics. Knowing what the FICO score was at origination is not enough. How the scores have changed – FICO Migration - is important, as well as current collateral value.

Quantifying these risk characteristics, and how they’re changing over time, is the heart of credit analytics and credit risk management. All credit unions need a credit risk management program that supports sound business practices and satisfies regulatory requirements.

Debra will develop a program commensurate to the level of complexity of your loan portfolio, as either a one-time snapshot or as part of quarterly or semi-annual monitoring. After analyzing and reporting the findings, your data will be returned to you in an easy, drill-down format. This enables you to proactively pursue risk mitigation at the individual loan level if desired.

Debra Taylor Templin, CPA

(310) 963-3374

Executive & Financial Consulting For Credit Unions

Credit Analytics: Do You Know Where Your Risks Are?