We have internal and external Q factors. Our model has gone through two external audit engagements, two year-end audits, and two regulator exams. With all those eyes on the model, including Q factors, we are confident in our process. If you wish, I ...

Does anyone have advice with how operating leases right-of-use assets/current maturities liability should be spread for underwriting? Is there an RMA standard? ------------------------------ Michelle A. Crane, CRC AVP, Credit Administration Oxford ...

Hi Michael, We've split our Q-factors in two sub-groups, modeled and non-modeled. Our CECL modeling and scenario overlays accounts for traditional q-factors such as Asset Quality Trends, Portfolio Composition and the External Environment, so we ...