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October 30, 2021

What are the advantages and drawbacks of the loan levels product versus the cohort level styles

What are the advantages and drawbacks of the loan levels product versus the cohort level styles

By Cristian deRitis

Through this video clip, Cris DeRitis product reviews the benefits and disadvantages from the various style of models which happen to be suitable for CECL. A portfolio-level means was a less complicated modeling process, but is short of granularity.

Within movie, Cris DeRitis feedback advantages and disadvantages of different kind of products that are appropriate for CECL. A portfolio-level way happens to be an easier modeling process, but lacks granularity. Loan-level products are more granular, but more complex and pricey. 60’s cohort-level types become painful and sensitive sufficient to get economic adjustment, but not as intricate and pricey as loan-level versions.

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