Hello,

New to this forum. We're struggling to figure out how to apply q-factors for CECL and was wondering if anyone can give some input on how they are applying q-factors/approach used for CECL?

Thank you.

Are you referring to Quantitative or Qualitative factors? The FED will have a roll-out on July 15 to aid community banks on preparing for CECL.

It may help you. The methodology seems to be the biggest mystery in this subjective "crystal ball" approach to loan loss reserves. Best of luck.