Case Study: STAR Financial Bank achieves more confident portfolio and ALLL management with Experian

STAR Financial Bank - Customer Case Study

STAR Financial Bank, a $1.7 billion community bank with 51 Indiana locations and a long history of using advanced loan-management tools, confronted an ALLL (Allowance for Loan and Lease Losses) process built on error-prone Excel models. The bank needed a more comprehensive, forward-looking view of portfolio risk—including loss-migration analysis—to improve allowance methodology, stress testing and regulatory compliance.

By integrating Experian’s Baker Hill Advisor (borrower- and industry-level credit/operational risk) with MainStreet Technologies’ Loan Loss Analyzer (historical grade migration, PD/LGD data), STAR gained a single, more robust framework for ALLL, stress testing and loan pricing. The combined solution delivered greater accuracy, flexibility and efficiency, reduced assumptions, and improved readiness for CECL and other regulatory requirements.

STAR Financial Bank

Bill Wingrove

Chief Credit Officer