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. Mr. Hill held management positions 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 of 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.
Robert R. Reuter, Executive Managing Director, and Editor
Mr. Reuter is Managing Director and Executive Editor with CEIS and has over 35 years of commercial and investment banking experience. He is responsible for editing and analyzing the findings of the field reviewer teams and preparing the overall portfolio reports to the clients.
His background is comprised of senior level positions in loan underwriting, credit, execution, risk management, portfolio monitoring, workouts, agency services, regulatory compliance, internal control processes, policy enhancements and origination. He has developed and managed multi-billion dollar portfolios in leveraged, C&I, project, asset based, structured, and trade finance, including secured/unsecured accommodations to large cap and middle market firms, covering over 25 industries.
Prior to joining CEIS, Mr. Reuter was associated with UBS Investment Bank, most recently as Managing Director, America’s Head of Loan Portfolio Management, National Bank of Canada and Algemene Bank Nederland/LaSalle National Bank. His executive responsibilities included serving as Chair and/or voting member of loan approval, new business, loan review and problem loan committees. He holds a BA in Finance as well as an MBA, both from DePaul University in Chicago.
Justin J. Hill, Senior Managing Director of Marketing and Operations
Mr. Justin J. Hill is the Senior Managing Director of Marketing and Operations at CEIS Review. He enjoyed 10 years of banking experience prior to joining CEIS in 1998. His responsibilities involve the development, implementation, and tracking of CEIS’ marketing and sales efforts as well as being the lead project manager on CEIS’ internal software development initiatives. Specific activities include the management of CEIS’ online presence, coordinating involvement in industry events, product presentations to clients and prospects, handling contracts with new and existing clients, maintaining client relationships and evaluating IT solutions then overseeing those projects from inception to completion.
Justin also manages the staff that prepares the advance material for the on-site reviews and provides support to the segment review managers, editors, and field reviewers. Previously, he was associated with Washington Mutual Bank, Independence Community Bank, and Sovereign Bank.
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 Food for the Poor, Habitat for Humanity, and the Red Cross (during Hurricane Sandy Relief).
John P. Macukas, Managing Director – Leveraged Lending/Structured Finance Review
Mr. Macukas is Managing Director – Structured Finance Review with CEIS and has over 27 years banking experience from his association with commercial banks and his consulting activities. John is responsible for managing all specialty reviews of a structured finance, corporate finance and asset based nature. He was associated with banks in New York and Connecticut and served in the capacity of Chief Credit Officer and manager of various credit and audit responsibilities. The banks included Bank Austria Creditanstalt, The Bank of Tokyo Trust Co., and The Bank of New York. His responsibilities included managing portfolios consisting of loans and equity investments to large and mid-sized corporations across a diversified range of industries. He established credit risk functions, corporate finance underwriting to due diligence function, credit policy compliance function.
Santiago Morera, Managing Director – International & Domestic Reviews
Mr. Morera is a Director of International Review with CEIS and has more than 30 years of experience from his association with domestic banks and international banks, as well as from his consulting activities. Mr. Morera’s responsibilities have included client acquisition and relationship management, corporate finance and syndications, trade finance, credit administration, loan review, and credit analysis. He has been a member of ALCO, credit and risk management committees. Most recently Mr. Morera was SVP and General Manager of BICSA’s Miami Agency. Previously he held various functions at Bank of America and Union Bank of California, where he advanced to senior level positions. Santiago graduated from Utah State University with a BS in finance that was followed with an MBA from Golden Gate University.
Dean P. Giglio, Managing Director, Stress Testing
Mr. Dean Giglio is a Managing Director with CEIS Review who is responsible for Loan Portfolio Stress Testing and related engagements for CEIS’ client base.
Mr. Giglio is a Senior Level Credit Risk professional with over 25 years of credit risk management experience ranging with involvement in areas such as middle market portfolio management, senior level credit decisioning, structuring and managing portfolio data reporting, credit risk management – namely, risk rating determination, regulatory classifications, ALLL Management, and special assets credit structuring, and developing credit decision modeling solutions. He has held titles such as Special Assets Team Leader, Senior Credit Risk Leader, Senior Portfolio Officer of Consumer and Diversified Industries, and Risk Data Leader. Prior associations have been with National Westminster Bank USA, ABN Amro Bank NV – NY, and GE Capital, CT.
Mr. Giglio obtained his Bachelor of Science in Accounting from St. John’s University. In addition, Dean has completed a formal credit training program, Advanced Risk Analysis certification, Advanced Project Management training, and is a certified Six Sigma Green Belt with a focus on Basel, KYC/AML Management.
David A. Vest, Managing Director, Stress Testing
Mr. Vest is Managing Director – Stress Testing. He manages and supervises the ongoing data assembly requirements, analysis, and report generation that provides the clients’ stress analysis.
He has over 30 years of 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 evaluathe the 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.
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.