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Abrigo: Current Expected Credit Loss (CECL) Solutions


Provider: Abrigo


Abrigo’s allowance technology gives financial institutions flexibility in their path to CECL compliance by offering two ABA-endorsed solutions, the MST Loan Loss Analyzer and Sageworks ALLL. The technology also acts as a data warehouse to help banks collect the information needed to produce forecasts and inform directors of the credit risk they face.

Both solutions automate the allowance calculation to maintain compliance with current and future GAAP. The solutions give banks a host of loss rate methodologies and segmentation options to create the most defensible and representative model of credit loss in their portfolio.

The MST Loan Loss Analyzer (LLA) streamlines the calculation and documentation for accurately estimating the allowance today and the Allowance for Credit Losses (ACL) under CECL to help satisfy regulatory and audit requirements with an automated process tailored to the bank. Sageworks ALLL offers banks flexibility in the transition to CECL by providing a platform for quickly and easily testing different scenarios to see the estimated impact on the allowance and capital.

CECL Streamlined: A Webinar Series for 2023 Adopters

Join this four-part, educational series to stay on track with your CECL transition. The series is led by Abrigo consultants who have helped hundreds of institutions successfully implement CECL. Live sessions are eligible for CPE credits.
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  • Time savings, as bankers do not have to track down data, reconcile balances in several spreadsheets or manually update formulas
  • Auditor and examiner satisfaction through a defensible and documented allowance process
  • Flexibility to quickly try different scenarios and segmentation strategies without overhauling the calculation
  • Robust loss rate methodologies, including discounted cash flow, that allow the bank to choose the best model for their loan pools and portfolio
  • Integration with any core system as well as additional interfaces such as general ledger, charge-off and recovery, credit card, Small Business Administration (SBA) data and others
  • Incorporate Trepp’s CRE benchmarking data into the ALLL as an optional scorecard, making it easy to estimate potential credit losses for scenario building and capital planning
  • Designed with scalability in mind to meet the growing needs of the financial institution
  • Full-service support team offering quick, unlimited technical support
  • Hosted in the institution behind your firewall or in the cloud



Abrigo: Current Expected Credit Loss (CECL) Solutions


CECL in 2023: Best Practices Learned from SEC Filers

March 17, 2021 | 02:00 PM ET

In this presentation, tailored for financial institutions that have not yet adopted the standard -- or those who may feel the need to take a second look at their practices given the realities of the pandemic economy - we will discuss lessons learned from implementing the standard at more than a hundred such institutions, working with scores of different audit and validation firms across the spectrum of size, resources, and sophistication.


CECL Implementation Best Practices – A Discussion with Community Banks

March 01, 2022

Most community banks with assets under $1 billion will implement CECL in 2023. But, where to start? Peter Albero, EVP and CFO of Salisbury Bank, and Candace L. Richardson, internal audit manager and CECL officer for Security State Bank, share their recent CECL implementation strategies. The discussion will also include time for FAQs about the implementation process from CECL experts.


CECL Implementation FAQs: Progress as 2023 Approaches

November 22, 2022

With less than a few months to comply with the current expected credit loss model (CECL), many still have outstanding questions and concerns about their efforts to prepare. Whether your bank is rushing to implement or are already running in parallel, much can be learned from the experiences of those that have already adopted.



Our Experts

Helen N. Sullivan

SVP, Endorsed Solutions

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