IFRS 9 ECL Model Documentation and Validation
Expected credit loss model documentation and independent validation, at the standard your auditor will require.
Fee & intake
Sign in to see the engagement fee (plus 7.5% VAT), complete the intake form, save a draft if you need to, then pay to submit.
- Standard
- 5 business days
- Express
- 3 business days
- Renews
- Every 12 months
Regulatory and standards basis
This engagement is performed against the following instruments. Each is cited in the deliverable at the point it is relied on.
- IFRS 9 Financial Instruments
- CBN Guidance Notes on the implementation of IFRS 9
- Basel Committee guidance on credit risk and accounting for expected credit losses
Who this is for
- Digital lenders
- Microfinance banks
- Any IFRS reporter with a loan book
What you receive
- 01ECL methodology documentation covering PD, LGD and EAD
- 02Staging criteria and significant increase in credit risk definition
- 03Forward-looking information and scenario weighting documentation
- 04Independent validation report with back-testing results
How the engagement runs
Phase 1
Intake
You complete a structured intake form and upload supporting documents. Autosaved, so it can be finished across several sittings.
Phase 2
Evidence review
We review what you have provided and raise a document request list for anything material that is missing. We do not guess at gaps.
Phase 3
Analysis and drafting
Your documents and answers are assessed against the applicable control universe. Findings are recorded with an evidence reference or explicitly flagged as an assumption.
Phase 4
Quality review
A named reviewer works through every finding and section, and a partner approves. Their name and credentials appear on the report.
Phase 5
Delivery
The deliverable is released in the portal within 5 business days of payment. Two revision rounds are included.
Questions
Who approves the deliverable?
A named member of the engagement team reviews it and a partner approves it. Their name, title and credentials are printed on the report, and the approval is recorded against the engagement in the portal.
What happens if we disagree with a finding?
You raise a review from the deliverable page, selecting the specific finding or assumption you are challenging and attaching supporting evidence. Two revision rounds are included. Factual corrections and any error on our side never count against those rounds and are never billed.
How quickly can this be turned around?
Standard delivery is 5 business days from payment. Express delivery in 48 to 72 hours is available when selected at intake.
What happens next year?
The portal reminds you 90, 60 and 30 days before it is due, and you start a new version of this engagement pre-filled from the answers you gave last time. You update only what has changed, and you see a side-by-side of what changed before you submit.
Where do our documents live?
In private storage, accessible only through short-lived signed links, with every view and download logged. Nothing is attached to email. Our sub-processors and data residency are published on the trust page.
How do we pay?
By card through Stripe after you complete intake in the portal. You can save a draft without paying; submission happens only after payment succeeds.
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