CECL model validation

CECL model validation

Navigate the complexity of CECL with field-tested model validation


CECL is the largest accounting change the financial sector has seen in years. One of the biggest challenges is that it doesn’t have crystal-clear guidance.

We’ve already helped a variety of banks and financial services companies confidently validate their CECL models. We can help yours, too.

Get more confidence in CECL

Many banks and financial services companies find CECL’s newness and complexity challenging.

One common problem is understanding the impact various adjustments can have on loss estimates. That can lead to volatility and uncertainty.

Our team knows CECL – and how to test the development and operation of these models.

The work we do on CECL is backed up by extensive experience and data from hundreds of other banks.

Save time on CECL models

Risk teams often find themselves spending a lot more time on CECL than they anticipated.

Fortunately, you don’t have to.

Our independent validation helps your risk team efficiently identify problems that produce errors in CECL models.

Our model validations are powered by our Crowe Credit360 for CECL solution, which provides a holistic view of these models and challenges them in several ways to uncover possible problems.

Use CECL as a catalyst for growth

If your sole focus is on complying with CECL, you could be missing out.

When you trust your models, CECL can be a driver of real business value. We can help you uncover the opportunities.

Imagine if you could apply credit loss estimates to the capital planning process. When implemented properly, CECL models can open the door to improving all kinds of financial analysis.

Related insights


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Top Risks Areas for Internal Audit: Financial Services
Top Risks Areas for Internal Audit: Financial Services
Crowe specialists explain risks for internal audit in financial services organizations and detail how to strengthen compliance and risk management.
Two professionals review information on a tablet, illustrating collaborative AML advisory in financial services.
Enhance AML Program Strength With a Managed Services Model
Financial services organizations can achieve scalable AML compliance and operational resilience with a managed services model built on expertise.
FASB Issues Hedge Accounting Improvements
FASB Issues Hedge Accounting Improvements
ASU 2025-09 advances targeted improvements to hedge accounting that better align entities’ financial reporting with their risk management strategies.

Work with us


When it comes to CECL, experience counts.

It’s time to work with an experienced validator. From global and community banks to all kinds of financial services companies, we can help you take on CECL with confidence.  

Talk to us about what our CECL model validation services can do for you. And, no matter where you are in planning your model risk program, we can help you gain a greater understanding with our model risk management services.

Ryan Michalik
Ryan Michalik
Principal, Risk Consulting