Expected Loss is a recognized best practice that facilitates active portfolio
management and rationally objective risk based pricing. Lenders that
manage accurate Expected Loss are consistently more profitable and carry
better business valuation through the credit cycle. The requirements of
CECL do not represent a minor evolution in your reserve process.
For most lenders, CECL will require a whole new infrastructure of data
and analysis. PayNet believes, properly implemented, Expected Loss
will revolutionize your risk management practices.