Allowance for Loan and Lease Losses (ALLL)

Make fast work of calculating loan and lease reserves with our proven solutions for allowances for loan and lease losses (ALLL). Feel confident in internal audits or regulatory exams with highly accurate data.

Calculate allowances for loan and lease losses (ALLL) quickly and easily with our proven, cloud-based solution. Our solution requires no additional IT staff or hardware investment and is automatically updated for easy maintenance.

Regulators require banks to develop, maintain, and document a comprehensive, systematic, and consistently applied ALLL process. ALLL Cloud helps you do all this and more – whether you calculate reserves at the holding company, individual bank/charter, or regional level. Now you can cut this time-consuming job down to size and respond confidently about reserves to your board, examiners, and auditors.

ALLL Cloud delivers efficiency in regulatory compliance, automatic data collection, informed decision-making, clear documentation, accurate financial reporting, and centralized information storage.

Better Informed Decision-Making

Bring all data together in a single platform for a more streamlined and intelligent decision process. Easily support your calculations with the ability to attach documents to your analysis, ensuring that you provide a comprehensive rationale and audit trail.

An Added Degree of Certainty

Automating your ALLL process allows you to spend less time on tedious, labor-intensive work and focus on more important aspects of your risk management practices. ALLL Cloud applies historical and subjective considerations to your calculations, including quarterly loss histories, environmental factors, and peer comparisons.

Featured Experts

Blake Coules

Across 35 years in banking, Blake has gained deep insights into the inner working of this sector. Over the last two decades, Blake has been an Operating Committee member, leading teams and executing strategies in Credit and Enterprise Risk as well as Line of Business. His focus over this time has been primarily Commercial/Corporate with particular emphasis on CRE. Blake has spent most of his career with large and mid-size banks. Blake joined Moody’s Analytics in 2021 after leading the transformation of the credit approval and reporting process at a $25 billion bank.

Chris Stanley

Across 15 years as a consultant and practitioner, Chris worked on a range of strategy, risk management and operational transformation initiatives with leading financial institutions throughout North America. From this collection of abstract, “what now?” challenges, he has developed specialties in credit optimization, business combinations and system implementations. Chris joined Moody’s in 2020 after leading CECL implementation and dual risk rating expansion at a $50 billion bank.