Joseph J. Hill, President/CEO

jjhill@ceisreview.com

Mr. Hill is founder and Chairman/President and Cheif Executive Officer of CEIS Review, Inc. The firm was formed for the purpose of providing professional consulting services to bankers by bankers.

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

ecottrell@ceisreview.com

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

lwilliams@ceisreview.com

Ms. Williams is Managing Director of Special Projects & “Complex” Reviews at CEIS Review, Inc. and has over 23 years experience from her prior positions with commercial banks as well as her consulting activities.CEIS is a consulting firm that focuses its activities entirely on the loan portfolio and its risk profile.At CEIS, Elizabeth’s responsibilities include various projects for clients involving “complex” portfolios, process and procedure, loan loss reserve methodology, stress testing and other specific needs. She also manages CEIS’ database on loan quality trends in the CEIS client group and produces a quarterly analysis of those trends for CEIS’ internal reference as well a condensed version for distribution to CEIS’ loan review clients. Ms. Williams was previously employed by Bank of America, FleetBoston, BankBoston, BayBank, and Chase Manhattan Bank. At Bank of America, she held positions of Policy Executive, Risk Policy Group – New Jersey; Senior Vice President, Credit Review – New Jersey; Senior Credit Officer – Boston; and Senior Director, Risk Review Examination Team – Boston. At Chase Manhattan, Ms. Williams started her banking career in corporate banking and global cash management. She obtained her MBA from Northeastern University and undergraduate degree from the College of William and Mary.

Sharon E. Hewitt, Managing Director – Domestic Review

shewitt@ceisreview.com

Ms. Hewitt is a Managing Director of Domestic Review, and her responsibilities include but are not limited to quality control of services, report editing and management, client portfolio analysis, and client relationship management.   

Ms. Hewitt has over 25 years of credit experience in the financial services sector as a banker and consultant.  

She has both domestic and international experience in credit risk management, credit review and affiliated processes, loan review, asset quality assessments, and client management. Ms. Hewitt has held positions such as a Latin America client banker, Team Lead of a global credit review team, Risk Management merger and integration team member, Vice President of Global Corporate Credit, as well as being the Head of the Commercial Credit review team at a multi-billion dollar institution.  Ms. Hewitt’s prior associations included JPM Chase, Citigroup, and Capital One Bank.

Ms. Hewitt received her credit training at the Chase Manhattan Bank (Chase Global Credit Training Program). Sharon received her B.A. “with distinction” in Sociology from Macalester College, and has an M.A. degree in International Studies from The Paul H. Nitze School of Advanced International Studies, The Johns Hopkins University (SAIS).

Pamela Frie, Director - Office and Process Administration

pfrie@ceisreview.com

Ms. Frie is a Director of Office and Process Administration as well as Response Editor with CEIS. She is responsible for efficiency in data analysis and overall office process as well as in screening client responses to drafted reviews. She has over 20 years experience in the financial community having been associated with The CIT Group, Independence Community Bank and Carnegie Bank. Her experience was as an underwriter in construction lending, small business lending, and other general lending activities.