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.

CECL - Compliant Loss Methods

Desktop computer running the nCino Bank Operating System
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.

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.

Advanced Vintage

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

Loss Migration

Track multiple historical loan pools broke out by credit quality indicator (CQI) and aggregate to find the percent of current balance expected to not be collected.

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.


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

Roll Rate

Observe historical behavior to model movement across delinquency levels and the findings are applied to the current delinquency profile of the class.

Weighted Average Remaining Maturity (WARM)

Combine average annual charge-off ratio with anticipated pay-downs to estimate lifetime expected loss.

"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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