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Ethos™ CECL View

The Fastest, Easiest Way to Identify Risks in Your Portfolio, While Maintaining Compliance

Managing the complex dynamics of loan loss forecasting in today’s environment can be challenging. Many institutions are seeking easy, data-driven tools and processes to help them make better decisions while becoming CECL compliant. That’s why FIS has partnered with industry experts to bring our clients an exclusive, streamlined solution that is easy-to-use, affordable and fully transparent.

You Don’t Need Another Expensive, Risky Data Project

CECL View eliminates the heavy lifting for your institution by tapping into existing data sources to deliver a turnkey reporting solution.

Affordable Solution to a Costly Problem

piggybank Building new in-house systems only taxes your team and introduces risk. Stay focused on other things and protect your productivity, all for the cost of a single employee.

Sophisticated Data Models

clock Sophisticated modeling with macro-sensitive factors keep your loan loss reserves current with default expectations across the life of your portfolio.

Support You Can Trust

chat Reports include a self-service guide to help you understand how to approach updating your balance sheet, risk profile and pricing, as well as documentation needed for auditors.

CECL View provides user-friendly features, including:

Easy to use report content – CECL View includes comprehensive consumer default risk modeling across your portfolio, as well as useful information such as a playbook to help you formulate an approach to implementing new loan loss reserve requirements while minimizing the impact to your business.

Based on an industry-leading BI tool – This quarterly report includes a snapshot of predicted required loan loss reserves consistent with CECL, using a common set of macro-economic inputs alongside your specific loan and borrower data. It leverages a BI sandbox where your portfolio is aggregated with third-party data and is enhanced by advanced predictive modeling capabilities.

Automates visibility into portfolio changes – Your loans and default risk profiles are dynamic. CECL View provides continuous insight into corresponding reserve levels as new loans are issued and existing loans are paid off, written off or recovered.

Protect your bottom line with these CECL View benefits:

Priced exclusively for small to mid-tier institutions

This exclusive report solution provides immediate value by solving for the historical data sourcing, aggregation and expert modeling that you need at a price point that is impossible to match.

A jump-start for implementation

CECL View allows you to quickly establish, or even validate, your strategy by providing a turnkey, transparent reporting baseline. Use the runway to reset your pricing and risk tolerances across products in your lending portfolio and get your team prepared.

All-inclusive solution

Up to 15-years of historical data combined with macro-sensitive economic data and industry-leading CECL models ensure that you get the most accurate forecast with the least amount of strain on your team.