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Q Factors: Data, Drivers & Documentation

Qualitative and environmental factors are often regarded as the most subjective, and in turn, highly scrutinized components of the allowance for loan and lease losses (ALLL) calculation. However, effectively using data, drivers and documentation can provide objectivity to this otherwise subjective task and help bankers to avoid examiner criticism.

Watch to learn:

  • What data points can be used to justify your assumptions
  • The use of drivers to ensure directional consistency
  • Supporting documentation best practices for Q factors