CECL Solution

CECL calculations don’t have to be overwhelming. Mark H. Smith, Inc. offers an outsourced CECL modeling and consulting service—customized, user-friendly, and affordable. Our complete solution includes multiple models, loan-level calculations, peer loss rate comparisons, advanced online tools, institution-specific data integration, auditor support, and a CECL Policy. We do the work for you at a great price!

Easy 1x CECL Report

Get a low-cost, 1X CECL Report with minimal data upload—multiple models, peer comparisons, and clear, actionable insights.

Simplify CECL Compliance and Reduce Time & Resources Allocated to CECL.

Mark H. Smith, Inc. offers an outsourced and comprehensive Current Expected Credit Loss (CECL) Analysis service tailored to meet the specific needs of your credit union.

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Cost-Effective & User-Friendly

Designed for small to mid-sized credit unions, our CECL modeling service requires no software maintenance, data storage, or extensive data gathering. With no setup cost, it’s a practical, affordable solution for CECL compliance with full support.

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Comprehensive Training & Support

Brief and easy to understand training videos are included to make getting started simple. Ongoing support and consultation is available with seasoned experts to answer any questions when needed. In addition, report review is available at any time by request. There is no additional cost for live training, consultation, and report reviews.

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Regulatory Examiner and Auditor Support

Extensive model and solution resources and support are available to meet the needs of your examiners and auditors. This includes an independent CECL model validation, FAQ documents, model diagrams, model formulas, and other model and solution resource information. In addition, live support and consultation are always available.

Get the Facts:

MHSI Outsourced vs. In-House Software

Compare cost-effective outsourced solutions with customized in-house software. At MHS we help financial institutions evaluate options based on your unique operational needs, budget constraints, and growth objectives.

Our CECL Solution Includes

Our outsourced and comprehensive CECL analysis service is tailored to meet the specific needs of your credit union. Some of the features of our service include:

CECL Models and Versions

The service provides results from two distinct CECL models, Remaining Life (a Weighted Average Remaining Maturity – WARM model) and Probability of Default/Loss Given Default along with two versions of each model. This allows credit unions to select the model and version that best aligns with their loan and investment portfolios. Both models utilize over 20 years of credit union-specific loss history by loan type.

Peer Comparisons by Loan Type

In addition to analyzing over 20 years of the credit union’s own historical loss experience by loan type, state and national peer loss experience by loan type is available for comparison or utilization in the CECL calculation.

Qualitative and Environmental Adjustments

The model accommodates an easy qualitative and environmental factors adjustment process by loan type. In addition, consultation is available at no additional cost to assist with qualitative and environmental factors adjustments.

Advanced Analysis & Stress Testing

Clients can access an online platform offering advanced analytical tools, including drill-down capabilities at the loan level, segmentation, what-if analyses, and stress testing. The online module allows for auditor individual loan CECL calculation testing as well as stress testing factors such as substantial changes in the unemployment rate and loan-to-values for applicable loans.

Monthly CECL Builder Spreadsheet

A CECL Builder spreadsheet is provided for a fast and easy monthly calculation process. This allows for monthly balance changes by loan type, model and version comparisons, peer loss rate comparisons and selections, and an easy qualitative and environmental adjustments process. 10 minutes is all you need each month!

Included with every Report

Extras that come with Mark H. Smith, Inc. Services

Beyond basic CECL service, we provide additional information and expert guidance to help your credit union navigate the CECL requirement. Some extras that come with your report include:

Peer loss rate comparisons by loan type
CECL Policy
Independently CPA validated CECL model report
Training videos
Extensive model documentation and support
Consultation
Regulatory and Auditor documents and support

Why Credit Unions Trust Us

Personalized Service & Support

Think of us as your dedicated ALM specialist, always just a call away. We understand every credit union is unique, which is why we tailor our solutions to your specific needs, providing personalized support as if you had an expert on staff.

Results-Driven Solutions

Our approach delivers measurable value through customized solutions, not one-size-fits-all services. We're known industry-wide for going beyond expectations to help credit unions achieve their financial management goals.

Your Credit Union Specialists

We've exclusively served credit unions for over 40 years, giving us unmatched understanding of your unique challenges. Our ALM validation acknowledges that your IRR management program should match your size, complexity, and risk profile.

What Our Clients Say...

I wanted to reach out and tell you how much I appreciate your support and knowledge. Thank you for your continual support and partnership.

Rick M. /CEO

CU Asset Size – $133 Million

What Our Clients Say...

Thank you so much. This is exactly what I was looking for. We really appreciate our relationship with Mark H. Smith and company.

Matt F. /CFO

CU Asset Size – $180 Million

What Our Clients Say...

I just have to say…I have always received the best service from every single Mark Smith employee!! Very happy with you as a vendor of ours!!

Joette D. /CEO

CU Asset Size – $35 Million

What Our Clients Say...

It’s like you read my mind. I appreciate the updated copy – thanks for continuing to make the policy relevant.

Cindy D. /CEO

CU Asset Size – $155 Million

What Our Clients Say...

Thank you very much for your presentation yesterday to our ALCO and BOD. Your presentation made it much easier for many of us to understand what can be a very complicated/complex topic. I find that each quarter that we work with your organization, we become more knowledgeable and informed as to what our risks are. So thank you very much.

Kevin M. /Accountant

CU Asset Size – $43 Million

What Our Clients Say...

Thank you for spending time on these worksheets and calculations… I’m only half-joking when I say, “when I grow up I want to be like the team from MHS”. I really appreciate your knowledge and expertise, but most of all, your willingness to help others in our community of credit unions.

Rose J./Manager Financial Planning

CU Asset Size – $100 Million

What Our Clients Say...

I really appreciate the good job your team does for us. Your company is my favorite vendor 😊

Matt F. /CFO

CU Asset Size – $180 Million

What Our Clients Say...

It’s this kind of Service that keeps us with you Mark Smith. Thank you very much !!!

Paul L. /CFO

CU Asset Size – $240 Million

What Our Clients Say...

I’ve made contact with the references you gave to me – each gave your company an A+ on your services and support.

Melissa M. /CEO

CU Asset Size – $18 Million

What Our Clients Say...

Thank you for making time to discuss our IRR yesterday. The examiner complimented the reports and was satisfied with my responses. I appreciate the time and attention to this.

Jennifer W. /CEO

CU Asset Size – $77 Million

Ready to Strengthen Your Credit Union’s Financial Strategy?

Gain clarity and confidence with expert ALM insights, regulatory support, and data-driven decision-making. Let’s discuss how our solutions can support your institution’s success.

FAQ

Questions? We’ve got answers.

Looking for more information? Visit our FAQ page for answers to common questions, or feel free to contact us below if you need further assistance. We’re here to help!