ALM Consulting

We provide ALM consulting, education and support to financial institutions ranging from $3 million to over $6 billion in assets.  As part of this consulting we assist clients in developing, testing, and implementing interest rate risk management, performance enhancing, and cash flow strategies.

The following services are included with the ALM Consulting/Maintenance Option:

  • Assistance with the use of CU/ALM-ware
  • Concentration Risk Policy & Tracking Tool
  • Basic ALM/IRR Policy
  • Advanced ALM/IRR Policy
  • Investment Policy
  • Liquidity Policy
  • Contingency Funding Plan
  • New Versions of CU/ALM-ware System
  • Periodic Target Rate Structure & Economic Commentary
  • ALM research papers
  • ALCO Discussion Checklist & Record
  • Key economic graphs
  • Sample ALCO Minutes & Agenda
  • Assistance interpreting interest rate risk
  • Assistance with ALM regulatory issues
  • Assistance with what-ifs & sensitivity analyses
  • Assistance with non-maturity share study
  • Tools for backtesting & help in interpreting results
  • Monthly investment market rates
  • Direct vs Indirect Auto Loan Analysis Model
  • Tool to see the effects of changing prepayments on Indirect Loan Yield
  • Credit Card Profitability Tool
  • Quarterly peer ratios
  • Mortgage Loan Origination Graph
  • Monthly MBS  Prepayment Data
  • Assistance with behavioral ALM assumptions
  • Historical interest rate changes
  • Assistance with Ramp vs Immediate Shocks
  • Deposit pricing strategies
  • Technical Software Support
  • Access to Secured Client Area of

Interesting in Learning More?

Let’s talk about your ALM consulting needs.

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