Emil Lopez oversees customer success for Impairment Accounting and Capital Planning Solutions. He has more than 14 years of experience in financial services, with extensive background in credit risk modeling, financial analysis, US and international accounting standards, and data quality control. Emil spent five years leading risk modeling advisory engagements for Basel and DFAST institutions.
Current Expected Credit Loss Model (CECL): Moody’s Analytics provides tools for the most crucial aspects of the expected loss impairment model, with robust solutions to aggregate data, calculate expected credit losses, and derive and report provisions.
Strategic Capital Planning: Moody’s Analytics strategic capital planning solutions provide key capital ratio and credit metric projections based on a variety of strategic and economic scenarios.
Stress Testing: Moody’s Analytics helps financial institutions develop collaborative, auditable, repeatable, and transparent stress testing programs to meet regulatory demands.
Loss Accounting: CECL: New credit loss accounting standard that replaces the current ALLL accounting standard.
Loss Accounting: IFRS 9: Recognition of loss allowance for financial assets, based on expected credit losses.
Stress Testing: Gauge of how certain stressors will affect a company, industry, or specific portfolio.
ImpairmentStudio onboarding for community bank: Deployed a non-modeled approach (using historical loss experience) for commercial and consumer loan portfolios within ImpairmentStudio.
ImpaimentStudio onboarding for large regional bank: Deployed custom PD/LGD models in the Moody's Analytics Collaborative Analytics Platform (CAP) solution and integrated those models for execution within ImpairmentStudio.