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Abrigo: Current Expected Credit Loss (CECL) Solutions

Arbrigo Website   Abrigo’s allowance technology gives financial institutions flexibility in their path to Current Expected Credit Loss (CECL) compliance by offering two ABA-endorsed solutions, the MST Loan Loss Analyzer and Sageworks ALLL. Abrigo supports more institutions than any other CECL vendor, and it offers a variety of robust loss-rate models while delivering significant time savings over spreadsheet-based calculations. The technology also acts as a data warehouse to help you collect the information needed to produce forecasts and inform your directors of the credit risk they face. Extensive reporting in the allowance solutions can also inform profitability analysis and portfolio optimization, helping you confidently transition to CECL and leverage allowance data for portfolio management.




Abrigo's two solutions, MST Loan Loss Analyzer and Sageworks ALLL, automate the allowance calculation to maintain compliance with current and future GAAP. The solutions offer banks a host of robust loss rate methodologies and segmentation options from which the institution can create the most defensible and representative model of credit loss in their portfolio. Banks also benefit from the Abrigo Advisory Services team, who interprets the accounting standard and helps the bank translate regulatory requirements into a supportable ALLL and eventual ACL.

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. Enables your bank to satisfy regulatory and audit requirements with an automated process tailored to your institution’s unique methodology. The LLA integrates with any core system as well as additional interfaces such as general ledger, charge-off and recovery, credit card and others.   

Sageworks ALLL offers banks flexibility in the transition to CECL by providing a platform in which the institution can try different scenarios quickly and easily to see the estimated impact on the allowance and capital. With 7 different, configurable loss rate methodologies, the bank can customize its CECL model by loan pool to achieve the calculation that’s more reflective of loss and defensible for audits and exams.

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Abrigo provides market-leading compliance, credit risk, and lending solutions to enable its customers to think bigger, allowing them to both manage risk and drive growth. Its mission to “Make Big Things Happen” underscores the company’s commitment to helping community financial institutions succeed against “the perfect storm” of ever-changing and increasing regulatory requirements, limited resources, increasing and new competition, evolving technologies, and changing customer expectations. Supporting more than 2,100 financial institutions, Abrigo is uniquely positioned to support banks as they make the transition to expected losses thanks to our leading technology, large user network, extensive thought leadership reach, proprietary databases for bolstering allowance calculations, and talented Advisory Services team.

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  • Significant 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

  • 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, you choose the hosting option that is best for your institution
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