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CDFI Specific Guidance for
CECL Implementation
Is Your CDFI Ready for CECL?

The effective date for compliance with the new current expected credit loss (CECL) guidance is here, and our team at High Impact is ready to help. Our experts leverage a deep knowledge of CDFI portfolios to develop CECL solutions that work for CDFIs of all sizes. Trust our team to develop well-documented policies which comply with CECL and a financial model that fits your organization's needs. 

Services include: 
  • Portfolio Segmentation: CECL requires institutions to measure expected credit losses on a collective or pool basis when similar risk characteristics exist. High Impact will review clients' (i) historical portfolio performance and (ii) relevant proxy data, as necessary,  to develop recommended segmentations.
  • Credit Loss Measurement Approach: There are a variety of credit loss measurement models available to CDFIs depending on portfolio complexity and size. High Impact will recommend a measurement approach that best fits your organization.
  • Qualitative Adjustments: Institutions will be required to consider system level factors which may impact portfolio performance and credit losses. High Impact will analyze internal and external data sets to develop a recommended set of adjusting factors. 
  • Financial Model: All the above listed considerations and factors will be incorporated into a financial model which will be able assign the appropriate loan loss reserve rate for your portfolio on a periodic basis.
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To learn more, visit our blog for answers to CECL FAQs. To discuss how we can help, e
mail us at consulting@highimpactanalysis.com or schedule an appointment using the link below.


Download Sample Materials

Looking for inspiration on how to structure a CECL model for your CDFI? Download a sample model utilizing the vintage method. 
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Download A Sample Model

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  • Home
  • About High Impact
    • Our Team >
      • Join Our Team
    • Annual Reports
  • Underwriting
    • For Real Estate Lenders
    • For Business Lenders
    • For NMTC Allocatees
    • Multi-Lender Underwriting
  • Portfolio Analytics
  • MEDIA
    • Insights
    • Blog
    • Impact Lenders Podcast
    • Publications
    • Youtube
    • News
    • Newsletter
  • CONTACT