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Portfolio Risk & CECL

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Confidently Automate CECL Calculations

ACL/CECL software

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Allowance for Credit Loss & CECL Software

Solutions for implementation

Trusted ACL/CECL modeling for smarter, safer decisions

The allowance for credit losses (ACL) is a high-stakes calculation that directly affects your institution’s earnings, safety, and soundness.  

Financial institutions trust Abrigo’s proven CECL solution, an automated, auditor-trusted model that streamlines compliance and delivers powerful reporting insights. Its AI Narrative Generator creates clear, editable allowance narratives in one click, helping institutions save time and improve consistency. With Abrigo, you don’t just meet the standard, you lead with confidence.

 

What our customers are saying

Confidence in Your CECL Program

More than 1,200 institutions depend on Abrigo for their allowance automation; join this network for peer best practices and benchmarks to aid your CECL program.

“[The exam] went so much smoother than it would have without the program. I actually shudder to think of what the experience would have been like if I was still using our internal spreadsheets.”

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Removing CECL Complications

Abrigo offers support beyond a username and password, with award-winning service and our advisory teams of CECL experts. Financial institutions partner with us because we are committed to your success. 

“If there’s one thing that I can say about Abrigo, it’s that they have taken the complications out of it.” Learn more.

A Trusted Partner

Abrigo Allowance, our CECL software is a vetted, innovative, and intuitive solution that over 1,200 financial institutions already trust.

“We’ve always been a company looking for a better way to do things that is smarter and more efficient. Software can help." Learn more.

Advantages of Abrigo Allowance & CECL Solution

Reliable, scalable CECL modeling for modern institutions

Abrigo’s Allowance and CECL software is built for confidence—tested through successful audits and trusted by institutions nationwide. With intuitive, reliable tools recognized by auditors and examiners, and AI that reduces manual narrative drafting time, banks and credit unions can streamline compliance, cut costs, and stay ahead of change. 

Flexible, defensible, and future-ready

• Easily configure for simple or complex portfolios
• Choose from multiple methodologies to scale with evolving needs
• Maintain defensible, well-documented processes for smoother audits

Designed for efficiency and cost savings

• Eliminate error-prone spreadsheets and manual workflows
• Save time with AI-generated allowance narratives you can review and approve
• Avoid costly mistakes with a transparent, automated system

All of your data in one platform

• Integrate with broader risk management tools
• Leverage insights across ALM, stress testing, and capital planning
• Gain a holistic view of institutional health and performance

Features and functionality of Abrigo Allowance & CECL Solution

ACL/CECL features that support you as you grow.

The configurability of Abrigo Allowance, our CECL software, means it can support both complex and simple portfolios with no-code implementations scaled to your needs. Our range of methodologies also allows the institution to maintain compliance as market practices evolve or the portfolio grows.

Data archiving and integration

Integrate with any core provider, increasing efficiency for your institution and archiving the data to give your institution flexibility with methodologies. 

Methodology options

Scenario-test methodologies such as migration analysis, vintage analysis, PD/LGD, transition matrix, static pool, remaining life, and discounted cash flow (DCF).

 

 

Peer data & loss benchmarking

Supplement credit loss experience (or lack thereof) with Abrigo's proprietary data and research from thousands of institutions.

 

 

Defensible & easy-to-use models

Establish your allowance with sound, quantitative practices that reduce the impact and need for ongoing, significant qualitative adjustments.

 

 

Robust & pre-built reporting 

Quickly access disclosures and documentation to support the allowance and inform strategic portfolio-risk decision-making. 

 

 

Connect CECL to other risk functions

Abrigo's platform means CECL inputs and outputs integrate with origination, stress testing, asset/liability management, and risk models.

Introducing new AI capabilities

Allowance Narrative Generator

Illustration, Our Approach

Accelerate closing and keep governance tight. The AI Narrative Generator produces first-draft allowance narratives and disclosure text traceable to your data and policies, so reviewers can validate, edit, and approve with confidence. 

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Integrated systems

Add-Ons and Expert Support

Take your allowance process beyond the basics. Abrigo offers a suite of CECL and Allowance add-ons designed to streamline calculations, strengthen your model, and unlock greater strategic value from your data.

With deep expertise in credit risk and a long track record of helping financial institutions navigate evolving regulations, our additional tools and advisory services help you:

  • Simplify complex calculations with configurable methodologies and automation
  • Enhance accuracy and defensibility with expert-guided assumptions and documentation
  • Integrate CECL insights into capital planning, stress testing, ALM, and more
  • Make data-driven decisions that support growth, mitigate risk, and improve overall performance

Whether you're looking to fine-tune your model, prepare for an exam, or leverage allowance insights across your institution, Abrigo's CECL add-ons and advisory support ensure you're equipped to lead with confidence.

CECL Advisory Services

Our robust consulting group includes former bankers, accountants, and CECL experts with deep and varied experience. Engagements range from data audits to outsourced CECL calculations.

Abrigo's Advisory Services can help customers with CECL transition plans, data audits, or outsourced calculations.

See Advisory Services

Resources on CECL & Allowance for credit loss

Transition: CECL Prep Kit

Resources include implementation and data guides, accounting info, and a CECL software checklist.

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Steps To Adopt CECL in 2023

How to adopt (and scale) best practices and avoid common stumbling blocks while implementing CECL.

watch webinar

Top 5 CECL Myths Busted

Understanding misconceptions about CECL implementation will help in navigating this change for 2023.

learn more