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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
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  • Services
    • Overview of Services
    • CECL & ALM
    • Mergers & Acquisitions
    • Valuation of Loan Servicing
    • Additional Services
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Credit Risk

We offer robust, statistically-based estimates of life-of-loan credit loss estimates.

Why Choose Us

We consider credit to be the most critical risk that a financial institution faces. Our bottom up credit loss estimates have three primary benefits:

  1. Our credit loss estimates are fully compliant with the new Current Expected Credit Loss (“CECL”) Model.
  2. Our credit loss estimates are based on the loan attributes and credit indicators lenders use to make loans leading to better integration of lending and financial decision making, including risk-based pricing and Real Return Analyses.
  3. Our credit loss estimates can be used to perform capital stress testing. Combining granular credit estimates with interest rate and liquidity risk modeling results in a thorough understanding of the primary balance sheet risks on an integrated basis leading to better allocations of capital. See our Concentration Risk Management and Capital Stress Testing pages for more detail.

Services

  • Credit Risk
    • Current Expected Credit Loss (CECL)
    • Capital Stress Testing
    • Concentration Risk Management
    • Real Return Analyses
Featured

Implementing CECL – [CUNA CFO Council PowerPoint]

This May 2017 presentation provides practical ways to estimate credit losses in full accordance with the CECL standard and touches on the advantages and disadvantages of the various models that can be utilized and reasons why we utilize discounted cash flow models.

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What our clients say

Wilary Winn has been a trusted partner of SECU Maryland for over 10 years and a strong supporter of the credit union movement. Wilary Winn has provided Maryland’s largest credit […]

Steven L. Arbaugh, Chief Financial Officer, SECU Maryland – Linthicum, MD
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About Wilary Winn

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  • CECL & ALM
  • Mergers & Acquisitions
  • Valuation of Loan Servicing
  • Additional Services
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  • (651) 224-1200
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