Blog - Qaravan

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CECL

CECL: Unpaved Road Ahead

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The Genesis/Birth of CECL After the 2008 financial crisis, much of the focus on the regulation of financial institutions shifted to mitigating systemic risk. This included an increased focus on stress testing and the recapitalization of institutions—both intended to help ensure solvency and insulate the global economy from further erosion. Fast forward to 2016 and
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cecl-implementation

What Can Socrates Teach Us About CECL?

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Last month, I became buried in a multi-day Google binge; combing the web for things like “CECL Prep”, “CECL Requirements”, and “CECL Implementation”. I finally understand the Socratic Paradox. A few thousand years ago, during a conversation with some guy in the neighborhood, Socrates concluded that neither of the men knew anything (they were talking
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community-banks

About Qaravan – A powerful performance analytics platform for community banks

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A couple of months before we launched, I began calling on some colleagues in the bank software sector to try to drum up some new partnerships.  My first call was to a friend who made a pretty healthy living selling an outdated call report analysis tool (something he built around 10-15 years ago). It seemed
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commercial-real-estate

Is a Commercial Real Estate (CRE) Crisis Coming in 2018?

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In the last few months, I’ve come across about a dozen Commercial Real Estate articles with panic-inducing headlines. If I understand the consensus, it seems we’re just minutes away from global calamity and CRE is “the next big short” (as one Forbes article puts it). I’m equal parts optimist and skeptic, so I had to
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