Peter J. Bianco, Review Consultant

Mr. Bianco is a Review Consultant with CEIS providing loan review services for domestic portfolio segments. Mr. Bianco has over 22 years experience in banking and real estate.

During his career, Mr. Bianco's experiences include being a Bank Examiner, formal credit program trainer, loan workout officer, underwriter, manager of a credit group, real estate administration coordinator, middle market lender, as well as a principle at a private equity fund investing in distressed real estate portfolios.

Mr. Bianco’s prior associations were with The Federal Reserve Bank of NY, European American Bank, NatWest Bank, JPMorgan Chase Bank, TD Bank, and Stairway Capital. Mr. Bianco obtained his Bachelor of Science in Finance/International Business from NYU’s Stern School of Business.

James H. Brown, Executive Consultant

Mr. Brown is an Executive Consultant with CEIS providing services to the banking industry evaluating the quality of loan portfolios and the effectiveness of an organization’s overall credit risk management.

He has over 30 years experience from his prior association with regional banking, money market banking, and investment banking. As a commercial banker, Mr. Brown was a correspondent banker, senior middle market lender and manager, and Senior Banker Corporate Finance and team leader. As an investment banker, he was a principal responsible for corporate finance roles from advisory on restructurings and M&A to the placement of private debt and equity. Beyond banking, Mr. Brown held positions as Finance Director for energy and other finance related firms.

Mr. Brown’s prior associations included Fieldstone Private Capital Group, NYC, Bankers Trust Co., Manufacturers Hanover Trust, and Franklin National Bank. He graduated from Long Island University with MBA in Economics (Cum Laude) and from Fordham University with BA. His language proficiency includes French and German.

Paul E. Carr, Executive Consultant

Mr. Carr is an Executive Consultant with CEIS whose functions include loan review, and marketing and business development.  He has over 35 years of commercial banking and consulting experience and began his career with Chemical Bank (New York) as a management trainee and progressed through the various line functions to attain several senior level positions including President of an upstate New York subsidiary bank, President of Connecticut start-up operation and District Head of a large middle market lending district in NYC. He also was Senior Vice President and area manager for Banco Popular de Puerto Rico’s New York operation as well as Chief Executive of a start-up community bank located on Long Island.

Mr. Carr graduated from St. Bonaventure University and received his MBA in Finance from Iona College.

Robert M. Craig, Executive Consultant

Mr. Craig is an Executive Consultant with CEIS and provides loan review and asset recovery services for domestic and international portfolio segments. His expertise includes reviewing portfolios as well as non-performing asset reductions, loan and real estate workouts, debt restructuring and negotiation, and charge-off recoveries.

He has over 35 years experience from his association with savings banks, commercial banks, and his consulting activities in loan and real estate workouts and turnarounds. Mr. Craig was previously associated with First Fidelity Bank, New Jersey, Concord Americas, New Jersey, Corestates New Jersey National Bank, Value Property Trust, New Jersey, Asset Management Strategies, New Jersey, Independence Community Bank, New York and lastly, Sovereign Bank. He is fluent in Spanish.

Michael K. Crawford, Senior Reviewer

Mr. Crawford is a Senior Reviewer with CEIS providing loan review services for domestic portfolios.  He has over 30 years experience from his association with commercial banks, bank agencies and consulting activities. Mr. Crawford’s responsibilities included those as Senior Loan Officer, member of ALCO, Credit and Management Committees, Senior Credit Officer, and other functional segments of banking organizations. He was previously associated with Danske Bank, New York, Banco Totta & Acores, New York, First Fidelity Bank, New Jersey, and Manufacturers Hanover Trust Company.

Mr. Crawford’s experience includes structuring and delivering commercial loan training curriculums; participating as faculty member of NY State Bankers Association Executive Development Program. He graduated from Colgate University.

Gary Dycus, Executive Consultant, Report Response Editor

gdycus@ceisreview.com

Mr. Dycus is a Executive Consultant in Administration & Projects and is responsible for editing, analyzing and reporting the findings from the field reviews and CEIS' own analysis of the client's loan quality trends.  Mr. Dycus is a credit risk professional with over 35 years domestic and international experience at lending banking and insurance organizations.  Particular experience is in commercial and real estate finance, mortgage banking, financial institutions, asset-backed securities, real estate workout, credit audit, credit review, credit approvals, asset-backed security workout. 

Mr. Dycus was formerly associated with Development Alternatives, Inc. Enterplan Limited (U.K.), Coffey International Development, Price Waterhouse Coopers (Laos) Ltd., Madison Consulting Group, MBIA Insurance Corporation, Capital Markets Assurance Corporation (CapMAC), and Chase Manhattan Bank.

Alan Harper, Senior Reviewer

Mr. Harper is a Senior Reviewer with CEIS having 30 years experience in the commercial banking industry.

Mr. Harper’s background includes Citicorp as International Economist, New York Mercantile Exchange as Editor and Marketing Specialist, and Mizuho Corporate Bank, Ltd as Senior Vice President supervising and controlling credit exposures to customers based in the Americas. Mr. Harper experience includes assessing and maintaining portfolio quality, process and procedure as well as strategies for lending to specialized industries.

Mr. Harper graduated with honors in economics and mathematics from McGill University, Montreal; obtained his MA in Economics from Columbia University, and received an Advanced Certificate in Finance from New York University. He is fluent in French.

Sally C. Harwood, Review Consultant

Ms. Sally Harwood is a Review Consultant with CEIS that provides loan review services to both the commercial and consumer portions of client’s portfolio’s. Ms. Harwood has over 30 years of experience from her prior associations with money market and investment banks. Prior associations include Financial Security Assurance, Hanover Capital Partners, Inc., Citicorp Investment Bank, The Boston Company, and Chemical Bank. Ms. Harwood has held positions such as Director and Vice President at such institutions. 

Ms. Harwood holds a Bachelor degree in Business Administration from The College of William and Mary and further went on to obtain a Master of Business Administration from The Colgate Darden Graduate School.

Robert J. Klein, Director of Inspection Services & Senior Field Reviewer

info@ceisreview.com

Mr. Robert Klein is the Director of Inspection Services with CEIS and is a senior field reviewer as well.  He has over 35 years experience in the commercial and mortgage banking industries. Throughout his career he has been involved an all facets of real estate lending, including but not limited to, origination, underwriting, appraisals, property inspection, creation of a real estate credit policy, and lastly loan restructuring/work-out. Mr. Klein was formerly associated with Franklin National Bank, European National Bank, National Bank of North America, RKM Enterprises, Haynes Associates, and BPD Bank.

Mr. Klein is a graduate of Iona College, and has served on boards such as Real Estate Board of New York; Associated Builders and Owners of Greater NY; National Association of Affordable Housing Lenders; and Long Island Business Institute.

Thomas J. Lewis, Executive Consultant

Mr. Lewis is an Executive Consultant with CEIS and has over 35 years experience in the commercial banking industry.

Mr. Lewis’ banking experience was with JP Morgan Chase since 1969 where he held varied positions including senior level portfolio responsibilities. He was most recently SVP/Credit Executive responsible for credit approval, portfolio oversight, and credit quality relating to $6B portfolio exposure to middle market firms located throughout the Northeast and Middle Atlantic states.

Previously, he was Credit Executive Chase Executive Regional Banking, and New England Regional Manager.

Peter McGovern, Executive Consultant

Mr. McGovern is an Executive Consultant with CEIS and has over 30 years experience in the commercial banking industry.  Mr. McGovern is a credit-oriented consultant with successful track record in loan management in the credit-intense middle market segment; skill set includes credit analysis, conventional and leveraged finance credit structuring, relationship management, and credit remediation.  Loan portfolios under his management were in excess of $1 billion to middle market clients.  He was formerly associated with Citigroup, Key Bank of New York, Citicorp Industrial Credit, Connecticut Bank & Trust, and Bankers Trust Company.  He has an MBA in Finance from New York University and BS from Villanova University.  Additionally, he is NASD series 7 & 63 qualified.

John J. Moolick Jr., Senior Review Consultant

Mr. Moolick, is a Senior Review Consultant with CEIS, and has been involved in all phases of the commercial banking industry, including extensive lending and risk management experience, for more than 30 years.

After more than 15 years at European American Bank where, after graduating from the Executive Credit Training Program, John advanced to become an area manager and supervisor of a team of commercial lending officers. Subsequently, he joined a community bank in New York State as the Senior Lending Officer. Mr. Moolick restructured lending functions, re-wrote lending policies and procedures and developed portfolios while improving loan portfolio quality.

For more than seven years Mr. Moolick concentrated on credit audit and loan administration functions at Barclays Bank and NatWest Bank. He developed systems to track and reduce problem and non-accrual loans, directed examinations of domestic and international lending activities, prepared reports evaluating risk management and risk identification adequacy, and reported on adherence to established credit policies.

Mr. Moolick graduated from Pace University in 1972, with a BBA in Finance and Accounting and received his MBA in Management and Finance in 1973 from St. Johns University.

Mary Ellen Nixon-Moore, Senior Reviewer

Ms. Nixon-Moore is a Senior Reviewer with CEIS providing loan review and senior editing services for domestic portfolios. She has over 32 years of experience in the commercial banking industry. During her banking career she has held the titles of Vice President of Underwriting, Vice President Senior New Business Development, and Vice President of the Factoring Division. She was formerly associated with Barclays American Commercial NC, Commercial Credit Financial Services, Marine Midland Bank, LaSalle Business Credit, Banco Popular, and Platinum Funding Group.

Ms. Nixon-Moore obtained a Bachelor’s degree from North Carolina State University.  

Marcia F. Notowitz, Review Consultant

Ms. Notowitz, is a Review Consultant with CEIS, having spent her career lending primarily to middle market companies in New Jersey.

With 32 years of experience, Ms. Notowitz managed relationships for over 14 years, as Vice President of PNC Bank. Her background includes identifying, restructuring and monitoring payment plans for troubled loans. At National State Bank, Ms. Notowitz was a branch manager and also responsible for lending activities at three branches.

Ms. Notowitz graduated from New York University in 1964, with a BA in Literature and accomplished graduate work there at the Graduate School of Business Administration.

Henry J. Pullman, Executive Consultant

Mr. Pullman is an Executive Consultant with CEIS providing loan review services as well as various corporate finance, banking and credit courses. He has over 30 years experience in the commercial banking industry.

Mr. Pullman has held management positions at Manufacturers Hanover Trust Co. and at Barclays PLC / Barclays Capital. While at Barclays Mr. Pullman held the position of Managing Director of Credit Risk Management. His responsibilities included managing lending groups whose markets included general corporate credit as well as specialty markets such as communications, energy, utilities, structured assets and others. He also managed credit audit and credit risk review functions.

Mr. Pullman obtained graduate and undergraduate degrees from Cornell University.

Charlene J. Ray, Senior Consultant

Ms. Charlene Ray has over 25 years experience as a commercial banker and as a consultant. She is a Senior Consultant with CEIS providing loan review and problem loan reclamation services.

After completing the Management Training at Chemical, Ms. Ray was fast tracked to vice president. Her responsibilities during the period with Chemical included managing, as Assistant Director and later as Credit Deputy, asset quality in metropolitan credit services, and middle market banking, respectively. Subsequently, she joined Standard Chartered Bank and managed line lending team with NYC and international clients; as Deputy Manager assumed responsibility to include credit audit; and as Midwest Regional Manager directed loan reclamation efforts. The latter responsibility was later expanded to include the Canadian workout staff.

Ms. Ray received an MBA from Columbia Graduate School of Business, MS from Boston University, and an undergraduate from DePauw University. She completed Senior Credit Workshop at the University of Manchester, England; Graduate Institute of Bank Management, Adelphi University and other programs. She is affiliated with the American Woman’s Economic Development Corporation, Business Network International, Columbia Business School Alumni Club of New York, MIT Enterprise Forum, National Association of Women Business Owners – NYC, and the Woman’s Economic Roundtable.

Robert H. Ray, Executive Consultant

Mr. Robert Ray is an Executive Consultant with CEIS and has over 25 years experience as a commercial banker and analyst.

Mr. Ray was associated for approximately 14 years with Moody’s Investors Service as Senior Vice President and Managing Director. During that period he chaired Rating Committees and managed resources concentrating in industries such as telecom and media, health care, chemicals, forest products, transportation, and capital goods. Assignments included period in London managing team of analysts responsible for corporate ratings of issuers domiciled in Europe. Prior to joining Moody’s, Mr. Ray was associated with regional and community banks in New Jersey and New York advancing to vice president.

Mr. Ray graduated with MBA from Pace University in New York and undergraduate degree in economics from Susquehanna University in Pennsylvania.

William T. Rooney, Review Consultant

Mr. Rooney is a Review Consultant with CEIS and has more than 35 years of experience in the commercial banking and securities industries. Mr. Rooney is an experienced credit risk manager and accountant. Mr. Rooney has held positions such as Audit Manager, Credit Manager, and Chief Financial Officer. Mr. Rooney’s prior associations are with KPMG, Lehman Brothers Inc., Nomura Securities, and Platinum Funding Group.      

Mr. Rooney graduated from St. Francis College with a bachelor’s degree in accounting. He further went on to obtain his M.B.A in Controllership from St. John’s University.

Frank Sisinni, Senior Reviewer

Mr. Sisinni is a Senior reviewer with CEIS having 30 years of experience in regional, investment, and international and domestic commercial banking. During his career Mr. Sisinni has been involved with credti analysis, underwriting, analytical team development, and portfolio risk management. Mr. Sisinni has held positions at Manufacturers Hanover Trust Co., Foriegn Credit Insurance Association, and Barclays Bank/ Barclays PLC/ Barclays Capital.

Mr. Sisinni obtained and undergraduate degree from Georgetown University and an MBA from New York University.

Joseph Spivack, Executive Consultant and Editor

jspivack@ceisreview.com

Mr. Spivack is an Executive Consultant and Editor responsible for special projects including stress testing and loan loss reserve validation as well as editing, analyzing and reporting the findings from the field reviews on bank portfolios. Mr. Spivack has over 30 years senior level experience in credit risk management in banking, capital markets, counterparty credit, leveraged and structured finance and insurance. His prior associations were with CIT Group, CIFG Assurance, Dresdner Kleinwort Wasserstein, TruMarkets, Prudential Financial, Barclays Capital, Bear Stearns & Co., New York Life Insurance, and Value Line.

Mr. Spivack obtained his Bachelor’s degree and Master’s degree from Columbia University and his MBA from New York University.  

Christopher G. Webbe, Senior Consultant

Mr. Webbe is a Senior Consultant with CEIS and had over 30 year experience as a commercial banker and consultant. He provides loan review services for domestic and international portfolio segments.

Mr. Webbe was formerly associated with Park Avenue Bank in New York; Banco Rio de la Plata, New York Agency; Daiwa Bank Limited, New York; and Lloyds Bank Limited, New York Office and London Office. His career included responsibilities as Senior Credit Officer; manager and agent for Agency; Chief Inspector, and manager of lending functions. Mr. Webbe’s lending and management experience includes international as well as domestic portfolios.

Mr. Webbe graduated from The Leys School, Cambridge, and Cambridge University (MA Honors). He is fluent in Spanish.

Frank T. Ziella, Senior Reviewer

Mr. Frank Ziella is a Senior Reviewer with CEIS and has over 30 years experience as commercial banker, bank examiner, and consultant.

Mr. Ziella spent approximately 14 years with the State of New York Banking Department as an Examiner, Senior Bank Examiner and lastly as Principal Bank Examiner. During that time, he was responsible for the review of field examination reports, primary contact with a multitude of financial institutions in connection with regulatory matters, and involved in the liquidation of NY branch of Argentine bank and appointed title of “Special Agent”.  Subsequently, he joined the Bank of Tokyo / Mitsubishi and advanced during the 16 years to General Manager and Chief Credit Examiner. During this association, he was responsible for the annual examinations and review of exposures booked in branches, agencies, and subsidiaries in 15 major North American locations.