MST Loan Loss Analyzer

The MST Loan Loss Analyzer automates the calculation and documentation for estimating a bank's allowance for loan and lease losses, providing the bank a reliable, repeatable process for determining ALLL and satisfying regulatory requirements while eliminating the demands and concerns associated with manual processes. The analyzer allows management to identify and address risk in the bank’s loan portfolio while satisfying all regulatory requirements. The comprehensive system:

• Captures loan data consistently through an automatic download from the core loan application — and from all locations in distributed environments. 
• Automates pooling FAS 5 loans based on the bank’s specific pooling methodology. 
• Captures and stores historical loss information for five years while providing multiple loss averaging options. 
• Automates segmenting loans for FAS 114 impairment reviews. 
• Provides individual FAS 114 impairment reports for loans designated as impaired. 
• Complies with all Generally Accepted Accounting Principles. 
• Captures and risk rates the qualitative and environmental factors required for ALLL calculation. 
• Provides a comprehensive calculation tool that incorporates FAS 5 and FAS 114 reserves. 
• Provides reports that present final ALLL calculations in concise formats, including single-sheet quarterly summaries and narrative reports featuring  comprehensive documentation. 
• Maintains all the documentation necessary to support the bank’s calculations, and delivers narrative reports on all documentation. 
• Is quick and easy to implement. 
• Is easy to learn and user-friendly. 
• Integrates with all major core processing systems. 
• Is highly secure: bank-server resident, password protected and browser-based. 
• Is affordable: subscription-based pricing based on the bank’s asset size.

The MST Loan Loss Analyzer gives your bank an automated, repeatable format for effectively analyzing loans and automatically generating
comprehensive FAS 5 and FAS 114 reports. It saves your bank significant time over manual processes as it delivers the first reliable method for  determining the ALLL.

Mainstreet Technologies Inc.
www.mainstreet-tech.com