Bolstering risk management practices is a top concern for many bankers, and strengthening their allowance for loan and lease losses (ALLL) methodology plays a big part in that effort. One way banks and credit unions can potentially improve their methodology is to employ a more robust analysis in the general reserve loss rate estimate. Probability of default/loss given default (PD/LGD) is widely recognized as one such type of analysis for determining portfolio loss estimates.
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I know I can improve my ALLL process; I’d like to speak with an ALLL specialist.