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Make fast work of calculating loan and lease reserves with our proven solutions for allowances for loan and lease losses (ALLL). Feel confident in internal audits or regulatory exams with highly accurate data.

Calculate allowances for loan and lease losses (ALLL) quickly and easily with our proven, cloud-based solution. Our solution requires no additional IT staff or hardware investment and is automatically updated for easy maintenance.

Regulators require banks to develop, maintain, and document a comprehensive, systematic, and consistently applied ALLL process. ALLL Cloud helps you do all this and more – whether you calculate reserves at the holding company, individual bank/charter, or regional level. Now you can cut this time-consuming job down to size and respond confidently about reserves to your board, examiners, and auditors.

ALLL Cloud delivers efficiency in regulatory compliance, automatic data collection, informed decision-making, clear documentation, accurate financial reporting, and centralized information storage.

Better Informed Decision-Making

Bring all data together in a single platform for a more streamlined and intelligent decision process. Easily support your calculations with the ability to attach documents to your analysis, ensuring that you provide a comprehensive rationale and audit trail.

An Added Degree of Certainty

Automating your ALLL process allows you to spend less time on tedious, labor-intensive work and focus on more important aspects of your risk management practices. ALLL Cloud applies historical and subjective considerations to your calculations, including quarterly loss histories, environmental factors, and peer comparisons.


ALLL Cloud

Streamline your reserve calculation process and feel confident that you are exercising a consistent and comprehensive allowance for loan and lease losses.

Auto Portfolio Analyzer

APA is a powerful risk management, stress testing, and capital allocation tool for analyzing the credit risk of auto loan portfolios and auto ABS collateral.

Access exclusive forecasts and analyses of US consumer credit behavior based on data from Equifax.

Economic Data & Forecasts: Global

Leverage economic, demographic, and financial data, forecasts, and scenarios for the global economy.

Economic Forecast Scenarios: Custom

Moody's Analytics offers custom economic scenarios, tailored to unique business models, exposures, geographies, and assumptions.

Economic Forecast Scenarios: Standard

Moody's Analytics provides baseline economic forecasts and alternative scenarios for more than 50 countries, updated monthly.

Financial Markets Forecasts

This service provides forecasts of market risk instruments under alternative scenarios for improved risk management processes.

Moody’s CreditCycle™

Moody's CreditCycle solution provides econometric consumer credit loss forecasting, benchmarking, and stress testing models.

Mortgage Portfolio Analyzer

This powerful risk management, stress testing, and capital allocation tool helps you analyze the credit risk of residential mortgage portfolios and RMBS collateral.

RiskFoundation™ Impairment Suite

Moody’s Analytics RiskFoundation Impairment Suite is a strategic software platform that enables the end-to-end orchestration and automation of expected credit loss (ECL) calculations.

US Précis™ Metro & State

Access concise analyses and data on current and expected economic conditions for all US states and metropolitan areas.

Take your career to the next level

Browse Moody’s Analytics Learning Solutions and Certifications.