Joseph J. Hill, President & CEO
Mr. Hill is the founder/President and CEO of CEIS Review, Inc. Mr. Hill has over 35 years of commercial banking and financial management experience resulting from his prior association with money market and regional banks as well as his business investment and consulting activities. Management positions were held by Mr. Hill at the Bank of Virginia, Bankers Trust Company, Barnett Bank of Florida, Inc., Barnett Bank of Jacksonville, Barnett Bank of Broward County, Franklin National Bank and Irving Trust Company.
He has reorganized and managed commercial and real estate lending divisions as well as loan and credit administration functions. Mr. Hill has written and administered commercial and real estate policies, chaired loan committees, and redefined and managed commercial lending training programs. His direct lending activities as a banker included all types of unsecured/secured and short/long term accommodations. The purposes involved leveraged buyouts, trade financing, debt restructuring, working capital, and project financing, plant expansion, real estate development and other similar needs.
In the business community, Mr. Hill previously served as Director of Solitron Devices, Inc. (ASE, High Technology Company); Advisory Directory of National Energy Capital Corporation (OTC, Energy Project Finance); interim President of Domestic Oil Corporation (Oil Production); interim Vice President-Finance of Sussex Valley Development Corporation (Real Estate development); interim President of AMCAL Chemical Company, Inc. (Chemical Manufacturer); director of Octagon, Inc. (NASDAQ, High Technology Company); and member of American Arbitration Association’s Panel of Arbitrators.
Elaine M. Cottrell, Managing Principal, COO
Ms. Cottrell is Managing Principal and Chief Operating Officer of CEIS Review Inc. and President of CEIS Review Fla LLC. She has over 30 years experience in the banking community, from her associations with community and regional banks as well as her consulting activities. At CEIS, she shares executive responsibility in the areas of administration, quality control, engagement scheduling and preparation, client relationships, and business development.
Previously, she served as Senior Vice President of Executive National Bank in Miami where she was Senior Loan Officer. Additional positions in South Florida were previously held with Flagship Bank, Jefferson National Bank, Metro Bank, and Enterprise Bank.
Ms. Cottrell has established credit departments for newly formed banks and reorganized credit functions at established organizations. She has successfully trained both lenders and staff in credit and lending functions. She has written and administered loan portfolios and managed credit, commercial loan and real estate loan activities as well as loan operations departments. Ms. Cottrell’s executive responsibilities included serving as a voting member of loan committees.
She has had involvement with or served as a director of such community groups as the South Miami Hospital Associates, Girls’ Club of Miami, Greater South Dade Miami Chamber of Commerce, Kendall Business and Professional Association, University of Miami Association, and the Coral Gables Women’s Club. Her language capabilities include French and Spanish.
Elizabeth Williams, Managing Director, Special Projects
Ms. Williams is the Managing Director of Special Projects & “Complex” Reviews at CEIS Review. She has over 25 years of experience in banking and related consulting activities. Ms. Williams manages CEIS’ advisory engagements which include but are not limited to consulting on the Allowance for Loan and Lease Losses (including methodology validation), stress testing programs, projects for clients involving “complex” portfolios, credit risk process and procedure consulting, and related specific client requests.
Ms. Williams began her career at Chase Manhattan Bank, and then continued her banking career with FleetBoston, BankBoston, and then ultimately with Bank of America.
She has held leadership positions in credit, loan review, risk management, and portfolio management. Specific titles held have included Commercial Credit Policy Executive, Managing Director in Credit Review, and Senior Credit Officer tasked with directing firm-wide lending to national retailers, restaurants, and food and beverage companies. She has also led loan review examination teams assessing lending and risk management in Latin America, Asia and in a number of specialized industries.
Ms. Williams received her MBA from Northeastern University and her undergraduate degree in Economics from the College of William and Mary.
Gary G. Heinze, Managing Director, Senior Editor
Mr. Heinze is a Managing Director and Senior Editor at CEIS Review. He has over 35 years of experience in banking and credit risk management including loan review, credit analysis, lending, credit administration, projects and operations. He has held management positions at Bank of Tokyo-Mitsubishi UFJ, Ltd., Bank of China, Mizuho Bank, Ltd., National Westminster Bank USA and The Chase Manhattan Bank.
He created, staffed and managed loan review departments, established quarterly problem loan management processes and contributed to the development and evolution of credit policies and credit culture. He has led the loan review function and continuous monitoring activities covering portfolios throughout the U.S. and Canada.
Mr. Heinze was elected to the Board of Governors of the New York Chapter of The Risk Management Association (RMA) where he served as Governor, Secretary, and Chapter President. He was chairman of several committees before completing his service on the Board after 22 years. He has also served RMA Headquarters as a member of the Chapters & Membership Council and the Journalistic Excellence Committee.
Mr. Heinze received his MBA in Banking and Financial Markets from Adelphi University and his BBA in Management, also from Adelphi University. He is an Eagle Scout who has served on the Board of Nassau County Council, Boy Scouts of America.
Matthew S. R. Tuck, Managing Director, Senior Editor
Mr. Tuck is Managing Director and Senior Editor with CEIS and is responsible for editing and analyzing the findings of the field reviewer teams. This includes the reaffirmation of the findings in the transactional reviews as well as the generation of CEIS’ overall portfolio quality conclusions and observations that are documented and reported to the clients. Matt has approximately 25 years’ experience from his prior associations in the banking community as well as with CEIS.
His responsibilities prior to CEIS included those associated with both credit and line functions with extensive experience in the areas typically called financial institutions, enterprise risk management, corporate banking, and structured finance. Mr. Tuck started his career with Barclays Bank in London on their top-tier graduate development program where he completed formal credit training. After successful fulfillment of roles in credit risk management, strategic development, and corporate finance he was transferred to New York to manage Barclays strategy with Corporate Banking clients. He has held senior management positions and led global teams at Lloyds Banking Group, CIT Group, HSBC Securities, and Agricultural Bank of China.
Mr. Tuck graduated with a First Class B.Sc. (Hons.) degree in Geography from the University of Bristol, U.K., and is an ACIB following completion of the UK professional banking examinations.
David A. Vest, Managing Director, Stress Testing
Mr. Vest is Managing Director – Stress Testing. He manages and supervises the on-going data assembly requirements, analysis, and report generation that provides the clients’ stress analysis.
He has over 30 years credit risk management experience ranging from credit portfolio modeling to corporate finance lending, loan review, credit policy/administration, loan workout, and bank regulation. He is a versatile subject matter credit expert blending technical proficiency and business savvy in creating objective and timely outputs. Experienced in evaluating credit risk at both granular and portfolio levels and evaluating integrity of credit risk processes. He was formerly associated with Mizuho Bank, Ltd, Bank of New York, Federal Reserve Bank of New York, Unibank a/s (n/k/a Nordea Bank Denmark A/S), and Manufacturers Hanover trust Company. Most recently he was Senior Vice President at Mizuho in the Risk Management Division engaged as senior risk manager in credit risk modeling activities in the Americas and US credit risk reporting.
Justin J. Hill, Managing Director, Marketing and Administration
Mr. Justin J. Hill is the Managing Director of Marketing and Administration at CEIS Review. He is responsible for marketing, business development, corporate communication, and overall administration of the firm of the firm. Mr. Hill manages a team of credit analysts who are involved in client report development and distribution. Mr. Hill’s prior associations include Washington Mutual Bank, Commerce Bank, and Sovereign Bank where he held management roles. His experience consists of commercial lending, business development, and branch management.
Mr. Hill obtained a Bachelor of Arts Degree from Florida State University as well as completed a credit analyst training from New York University. Justin has volunteered for organizations such as Food for the Poor, Habitat for Humanity, and the Red Cross (Hurricane Sandy Relief).