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The Invictus Partner Program ensures that you will get unlimited consulting support for any of your capital stress testing questions. With the Invictus Capital Stress Testing service, our analysts are your analysts.


CECL Calculation

CECL implementation under ASU-2016-13 is vital for banks, yet many struggle with accurate reserve management. Invictus provides tailored solutions for seamless CECL navigation, ensuring regulatory compliance and operational efficiency. Partner with us to turn CECL challenges into strategic advantages.


 Why Invictus?

Invictus offers a unique hybrid solution combining software and advisory services. Recognizing the significant time commitment involved in CECL management, our solution is engineered to optimize your time for review and challenge, minimizing tedious tasks and uncertainties about your results. With Invictus, focus on strategic decision-making while we handle the rest.

Get a free ACL estimate! Worried about your reserve accuracy? Get a free parallel calculation from Invictus for peace of mind. Experience our top-tier advisory and gain confidence in your reserves.

Black Belts not Black Boxes

Invictus offers unlimited advisory support, ensuring you master your CECL model. With unlimited Q&A, model discussions, and training, you'll have full command of the process. Say goodbye to black boxes.

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Ensure a close alignment between your Loan Loss Reserve and stress testing framework. Consider your loan-level stress test as an estimation of the reserve in the context of a predefined economic downturn. This integration enhances the effectiveness of your risk management approach, tying the reserve directly to the insights gained from stress testing.

Validation and Examination

During validation or exam time, institutions often feel left in the lurch. With Invictus as your partner, we stand by your side through every difficult conversation, ensuring the most robust and defensible reserve possible.

Quant the Qual

For far too long, reserve models have leaned heavily on extensive qualitative factors to bolster bank reserves, resulting in models that are challenging to defend and limited in versatility for other crucial operational aspects like loan pricing, stress testing, or capital planning. At Invictus, we've prioritized minimizing reliance on qualitative factors in our CECL models. Connect with us to gain firsthand insights from our clients who have experienced the effectiveness of the Invictus CECL approach in real-world scenarios.

Our Expertise

With over 50 years of combined expertise in model building and advisory services for financial institutions, Invictus is ready to leverage our experience to benefit your organization.

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Adam Mustafa
President & CEO

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Guy LeBlanc
President, BankGenome Analytics

Frequently asked questions

While pinpointing the exact reserve level remains elusive, the belief that bank reserves should universally increase under CECL was misguided, as we foresaw when ASU 2016-13 was announced. Our advisory approach fosters communication to help you determine the optimal reserve level for your institution.

We understand that contemplating a model switch can be daunting, but it's entirely feasible! We urge you to assess your CECL process objectively: does it align with your expectations and objectives? You can also gain insights by speaking with one of our existing converts and learning about their successful transition.

For years, Invictus has championed the reduction of qualitative factors in models, believing they shouldn't dominate any model. We've pioneered numerous techniques to effectively quantify qualitative data, much to the satisfaction of auditors.

Further Reading

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Addressing CECL Model Pain Points: Expert Advice for Banks

As we pass the one-year mark since the implementation of CECL for most community banks, numerous challenges have surfaced regarding CECL models. In this blog, we'll delve into the four most common problems reported by bankers about their CECL models and provide insights on how to address them effectively.
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What Every Community Bank with a CRE Concentration Needs to Do Before March

Most community banks have barely gotten started down the CECL road as of mid-September 2021. The primary reason is simple. The individuals responsible for implementing CECL at your bank have bigger fires to fight right now.

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10 Last-Minute Questions for 2023 CECL Banks to Ask Their Potential Vendor

First it was the FDIC, which  put community banks with CRE concentrations in its crosshairs when the supervisory division released its update on commercial real estate concerns in  Supervisory Insights in early August.

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