For institutions that are implementing new ALM software, ALA can streamline the process.  ALA personnel have ex- tensive experience with implementing and using the leading ALM software such as BancWare, QRM and IPS-Sendero.  ALA can help develop the often difficult, but critical, pro- cess of extracting data from the client's application systems and feeding it into the ALM software:   -  Set up A/L model chart of accounts to serve as guide      for data extraction and aggregation.   -  Establish an efficient mechanism for obtaining the "raw"      application data.   -  Analyze raw data integrity and design data "scrubbers"      to deal with data problems.   -  If needed, create aggregation processes that retain data      validity (i.e. avoid "averaging" problems).   -  Ensure that the cleaned data is properly imported into      the ALM software. Once the data-feed process has been finalized, ALA will assist in setting up the ALM model:   -  Establish key processing parameters.   -  Develop appropriate assumptions regarding prepay-      ments, core account behavior, base rates, lagging rate      models and discounting process.   -  Create appropriate reporting processes to meet the      client's needs.   -  Conduct test of modeling process and audit results for      validity. When the model has been certified for production, ALA will aid in the creation of a thorough set of procedures docu- menting the data-feed and modeling process.  ALA can also help develop or update policies to ensure regulatory compliance.

A/L Model Implementation

Asset /      Liability            Advisors