Asset and Liability Management with ALMPro®

Asset and Liability Management with ALMPro®

ABOUT ALMPro®

ALMPro® is an outsourced IRR and Liquidity Risk analytical support service specifically designed for the needs of credit unions. Using ALMPro®, we take the burden of analysis off your shoulders. You receive timely IRR and Liquidity Risk reports that are ready for asset and liability management decision-making. More importantly, our experienced advisors will train you to understand and integrate your reports into your decision-making process. Our robust multi-channel training includes webinars, one-on-one training, and unlimited telephone support. We will even travel to your location and train onsite if you request.

OUR ALM SERVICE PLANS

ALMPro® Classic

ALMPro® Classic is our service to
estimate interest rate and liquidity risk for credit unions with less complex balance sheets. Interest Rate Risk (IRR) and liquidity risk is performed by our experienced advisors and…

ALMPro® Plus

ALMPro® Plus provides an amplified IRR and Liquidity Risk analysis suitable for credit unions with more complex balance sheets. ALMPro® Plus is geared towards mid-sized credit unions but small credit unions with

ALMPro® Premier

ALMPro® Premier provides instrument level analytics and paramount modeling to analyze IRR and Liquidity Risk. It is appropriate for credit unions of any size, but generally suited for more complex balance sheets or credit

ANCILLARY SERVICES

Asset and Liability Management ALMPro® LIQUIDITY

ALMPro®
LIQUIDITY

Mark H. Smith, Inc. can help credit unions forecast and manage liquidity risk. Our Liquidity reports include a liquidity coverage ratio and a 12-month cash flow forecast with stress tests. This service is included with our ALMPro® Plus and ALMPro® Premier reports. It can also be adopted by credit unions looking for a liquidity only solution

INTERACTIVE PEER ANALYSIS

Our interactive peer analysis tool allows you to customize historical financial statement, performance, interest rate, and trend comparisons to your specific asset size and geographic peers. The in-depth tool includes balance sheet, income statement, loan loss, and interest rate peer analysis modules where you can drill down to the specific institution level.

Asset and Liability Management INTERACTIVE PEER ANALYSIS
Asset and Liability Management THIRD PARTY IRR MODEL AND MANAGEMENT PROCESS VALIDATION REVIEW

Third Party IRR Model and
Management Process Validation
Review

The Third Party IRR Model and Management Process Validation Review meets regulatory requirements and much more. Our comprehensive review performs an in-depth appraisal of your IRR/ALM model as well as your entire IRR management process at a very competitive cost. The goal of the review is not only to provide you with the assurance that your IRR/ALM modeling and management process is reasonable, but to utilize our extensive experience to add value to your program.

Budgeting Support
and Assistance Service

The budgeting support and assistance outsource service will help facilitate the credit union’s budgeting process by utilizing a balance sheet and income statement model.  A senior analyst will work with the credit union in developing a budgeted balance sheet and the model will generate budget interest income and interest expense. This will then be utilized to derive the completed balance sheet and income statement budget.

Asset and Liability Management BUDGETING SUPPORT AND ASSISTANCE SERVICE
Asset and Liability Management CECL ANALYSIS

CECL
ANALYSIS

CECL is a new standard for Allowance for Loan and Lease Loss (ALLL). In June 2016, FASB issued the current expected credit losses (CECL) standard – ASU 2016-13 to replace the “incurred loss” accounting model with CECL for the recognition and measurement of credit losses for loans. A similar new standard will also be implemented for investment securities.
The new standard requires estimates of the lifetime expected credit losses at the time a loan is booked.
The new standard will not be effective until January 1, 2021 financial statements but credit unions need to start preparing their data now.

DEPOSIT
Analysis

A deposit analysis studies the behavior of non-maturity deposits over time and provides institution-specific results for rate sensitivities, credit union historical responses to market rate changes, decay, and average life of deposits. This information is instrumental in accurately estimating and managing interest rate and liquidity risk.
A Comprehensive Deposit Analysis from Mark H. Smith, Inc. employs an account level study to provide the highest quality analysis. This includes detailed information needed to make informed decisions regarding the true nature and behavior of non-maturity deposits.

Asset and Liability Management DEPOSIT ANALYSIS