Unmatched Trade Line Data & Analytic Services

Under CECL, financial institutions are required to replace their current “incurred loss” model with an “expected loss” model. Additionally, lenders will need to make a projection of expected loss for each of the loans they book at the time of origination. SmartReserve™, powered by Equifax market-leading Credit Trends data, helps by providing access to the historical consumer credit data needed to help accurately forecast future losses and calculate the reserves required under the new standard.

Data Delivered Either Aggregated or at the Loan Level:

  • Pre-recession, recession and post-recession vintages, from 2005 forward.
  • Monthly updates and trades linked over time to enable accurate vintage curves, updates and forecasting based on loan and consumer profiles for the life of the loan.
  • Multiple portfolios such as bankcard, retail cards, student loans and more.
  • Ability to track book of businesses across multiple segmentation items including risk score, estimated income (score based), geography and more.
Product Sheet

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Learn More About how SmartReserve can help Financial Institutions of all sizes with new CECL standard.
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Multiple Levels of CECL Support

Smaller banks and credit unions may lack a dedicated internal analytic resource, requiring a solution that offers more than data, while larger organizations may only need the data. To address varying business needs, SmartReserve offers multiple levels of CECL support, partnering with Moody’s Analytics.

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Talks to sales about SmartReserve to prepare for the new CECL standard.

CECL and the Credit Lifecycle

Access more CECL information and resources from our partner for SmartReserve, Moody's Analytics.