ACL Calculator · CECL
CECL software, engineered for clarity
Estimate the allowance for credit losses over the life of your portfolio under ASC 326 — with transparent methodologies, flexible assumptions, and documentation your examiners will appreciate.
What it does
Current Expected Credit Loss, without the guesswork
The Current Expected Credit Loss (CECL) standard asks institutions to reserve for expected losses over the entire life of a financial asset. ARCSys turns that requirement into a repeatable, defensible process — pooling loans, applying the right methodology, layering in reasonable and supportable forecasts, and documenting every assumption.
Capabilities
A complete methodology toolkit
Multiple methodologies
WARM, vintage, discounted cash flow, PD×LGD, and loss-rate approaches — choose the right method per pool.
ExplorePooling & segmentation
Group loans by shared risk characteristics and analyze each segment with its own assumptions.
ExploreReasonable & supportable forecasts
Incorporate economic forecasts and reversion to historical experience with full transparency.
ExploreQualitative (Q-) factors
Document and quantify qualitative adjustments with a clear, defensible framework.
ExploreAudit-ready documentation
Every number traces back to its source, methodology, and assumption for examiners and auditors.
ExploreReporting & disclosures
Generate the schedules and roll-forwards you need for the board and financial statements.
ExploreWhy ARCSys
Defensible results, delivered with support
CECL was a sea change for financial institutions. With mounting regulatory pressure, you need a trusted partner — not just a tool. ARCSys pairs purpose-built software with specialists who walk you through every estimate.
- ✓Transparent, reproducible calculations
- ✓Flexible enough for your portfolio's nuances
- ✓Designed around examiner expectations
- ✓Backed by responsive, expert support
Your Trusted CECL Specialists
Ready to move forward with clarity, confidence, and control?
See why hundreds of banks and credit unions partner with ARCSys. Not just a vendor — an authentic partner, with you at every step.