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MST National Conference Tackles Reserve Issues and Trends


June 6 - The impending regulatory focus on loss migration analysis as the new standard methodology for determining reserves toped a long list of subjects addressed by the 2013 MST National Conference, the industry’s only conference dedicated to the issues surrounding the allowance for loan and lease losses. Eighty-five bankers from 45 states attended the May 20-23 conference at the Disney Contemporary Resort in Buena Vista, Fla.

The ALLL is generally considered the bank’s most critical quarterly calculation, and is an area of enhanced regulator focus in the post-recessionary period.

“The OCC has been telling banks for some time to move to loss migration as their method for determining their ALLLs,” noted opening speaker Chris Emery, chief technology officer for MST. “Now, in a series of regional seminars, the FDIC is also stressing loss migration as a ‘preferred methodology,’ a better estimate of the expected future loss rate of given risk-stratified loan segments.”

Attendees heard presentations from and voiced their concerns to ALLL experts in the banking, accounting and investment disciplines. The program included updates and insights from economists, including FDIC Regional Economist Michael R. Paslawskyj, and regulatory insiders, like long-time FDIC Territory Supervisor Bart Smith. 

“Three years ago, we initially intended the event as an educational program for the users of our software, which automates ALLL calculation processes,” said MST CEO Dalton T. Sirmans. “But given the increasing regulatory emphasis on reserve amounts and how they are determined, we restructured the program to appeal to all bankers concerned about their ALLL.”

As the only industry conference dedicated to ALLL, the program is quickly becoming a must-attend event. In a post-conference survey, the audience, more than double last year’s attendance, gave the 2013 program an average rating of 4.3 out of a possible five points in importance as compared to other industry meetings they attend. One hundred percent of the attendees said they would recommend the conference to other bankers.

Planning is already underway for the 2014 MST National Conference program. The dates will remain consistent with this year’s program. A location will be announced later this summer.

MST (MainStreet Technologies) of Atlanta provides more than 100 financial institutions throughout the United States with software solutions for analyzing and mitigating loan portfolio risk. Areas of focus include the allowance for loan and lease losses, loss migration, problem loan reporting, post-closing documentation perfection and related issues. MST solutions are configured for each institution, integrate with core systems, deliver greater adherence to policy, and exponentially improve efficiencies – all of which positively impact profitability.

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