Mitigate Risk with Confidence.

nCino's ALLL / CECL Suite

Where Better Data Meets Better Results

Create multiple allowance profiles
Reduce inefficiencies and compliance costs
Leverage standard or custom Q&E factors
Satisfy examiners with robust reporting
Perform life-of-loan analysis

nCino's comprehensive ALLL / CECL solution enables credit and finance teams to reduce regulatory scrutiny with robust portfolio segmentation, a variety of CECL-compliant loss-rate methods and a comprehensive suite of reports and disclosures. No longer does monthly or quarterly reserve estimation have to be a manual, time-intensive process. With nCino, FIs have a partner that helps reduce regulatory burden and identifies the right loss rate methods to fit each institution's unique needs. nCino's expert CECL Advisory Services team is currently helping more than 700 financial institutions prepare a CECL-compliant process and will ensure your institution has complete confidence in your CECL strategy moving forward.

CECL - Compliant Loss Methods

Screenshot of the nCino Bank Operating System
Weighted-Average Remaining Maturity (WARM)

Easily combine the average annualized charge-off ratio with anticipated paydowns to estimate lifetime expected loss.

Advanced Vintage

Enhance vintage segmentation by current credit quality and longer charge-off histories for revolving loan types.

Probability of Default

Estimate losses over the life of the asset by incorporating collateral values, key economic variables, loan and borrower level attributes by asset type.

Discounted Cash Flow

Analyze expected cash flows for each future period of a loan's life by estimating the probability of default, the probability of prepaying, and the probability of staying active.

Static Pool

Calculate losses at a historical point in time by taking the losses from the pool, divided by the starting balance of the pool.


Determine losses by segmenting the portfolio into vintages and dividing historical losses by the appropriate balance and then weighting the results.

"In advance of our recent NCUA examination, nCino's client success team helped me create a report set for our examiners. I appreciate the efficiency and thoughtfulness they demonstrated in responding to our inquiry and resolving our problem."
Billings Federal Credit Union

To learn more about how nCino's ALLL / CECL solution is implemented download the implementation guide here.


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