Seven Points on the Benefits of using our ALM Product
♦ Our ALM Service is exactly that...a service. You send us data, we do the rest.
You don’t have to pay ongoing servicing fees to maintain an ALM model, or worry about upgrades...it's our model.
You don't have to struggle with figuring out assumptions, prepayment speeds, modeling of investments, etc.
You don't have to worry about interpreting results.
You don't have to produce a "user friendly" report for your ALCO or Board; we do all of that for you, saving you time and money.
♦ We use your institution's historical data to help guide our assumptions.
We do a 10-year historical loan payment and prepayment analysis to help guide our assumptions when determining your loan cash flow forecasts so they are reasonable and specific to your institution.
We perform a 10-year historical analysis of your deposit rates, which helps guide our assumptions about how much, and how frequently, changes occur to your deposit rates as interest rates go up and down.
We use independent third-party software to model your investments, derive accurate modeling of yield and income, as well as forecasting future cash flows, prepayments, called bonds, etc.
-All of this is done without you having to send us any historical data. We already maintain a database with every institution's call report dating back to 1992, and provide detailed supporting documentation in each and every document, which satisfies examiner's questions about how the assumptions were developed.
♦ Each analysis is reviewed by our team of experts.
We have over 50 years of combined experience dealing with financial institutions and ALM to ensure our model output is reasonable and supportable.
♦ We consider our document to be the most user-friendly in the industry.
Each analysis includes easy-to-follow graphs, charts and plain-english explanations, plus a comprehensive executive summary explaining our results.
♦ (For Credit Unions) Our analysis includes NCUA's 17-4 Test to ensure your ALCO and Board
knows exactly what the examiner is looking at before they even walk in the door.
♦ Our service includes ALCO and Board Education.
In addition to providing this document, we will follow-up with a conference call to Management, the ALCO and/or the Board to review your analysis, discuss the results, and offer our observations about the institutions performance and risk position. We can also do more comprehensive "ALM Education" if needed.
♦ We will help you respond to any examiner concerns.
If you have any questions or concerns when the examiners are present, we will speak with them on your behalf and/or help draft an appropriate response to examiner findings or documents.
Keeping your regulatory concerns a priority, our Office of Regulatory Affairs is staffed with former Examiners from the National Credit Union Administration (NCUA) and the Office of the Comptroller of the Currency (OCC).
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