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# CEIS Review

Commercial Loan Portfolio Consultants

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## Posts

- [Blog](https://www.ceisreview.com/blog/)
- [The Interest Rate Dilemma | Challenges of Dealing with Inflation](https://www.ceisreview.com/the-interest-rate-dilemma-challenges-of-dealing-with-inflation/) - As I review the Federal Reserve's recent comments on inflation, economic growth, and the broader direction of the economy, I keep coming back to one phrase: "I wish I knew." As senior risk leaders, our instinct is to pause, assess the facts, learn, and then take action. But in today's environment, waiting for perfect clarity
- [2025 NJBankers Banking on Women Conference](https://www.ceisreview.com/2025-njbankers-banking-on-women-conference/) - CEIS Review is a proud sponsor of the New Jersey Bankers Association's "Banking on Women Conference", which will be held on June 4th to support leadership development for all bankers and business professionals. This inspirational event features dynamic women thought leaders who will share strategies to thrive in business and beyond. Join us for this
- [NJ Bankers 120th Annual Conference - Sponsorship](https://www.ceisreview.com/nj-bankers-120th-annual-conference-sponsorship/) - CEIS Review is proud to sponsor the New Jersey Bankers Association’s 120th Annual Conference—an important forum for bank leadership to connect on the strategic, risk, and operational issues shaping our industry. We look forward to conversations with executive bankers about how institutions are navigating supervisory expectations, evolving credit conditions, and the pace of change across
- [Commercial Credit Observations (CCO) Report 4Q25](https://www.ceisreview.com/commercial-credit-observations-cco-report-4q25/) - CEIS Review's Quarterly Commercial Loan Portfolio Credit Quality Trends reporting on Community Banks.
- [New Jersey Bankers 15th Annual Economic Leadership Forum](https://www.ceisreview.com/new-jersey-bankers-15th-annual-economic-leadership-forum/) - CEIS Review is honored to sponsor the New Jersey Bankers Association’s Annual Economic Leadership Forum on March 5, 2026. This important gathering brings together industry leaders to discuss the opportunities and challenges impacting our state and country. Supporting this event underscores our dedication to New Jersey’s communities and to fostering dialogue that leads to positive
- [2Q25 - Credit Quality Trends Update - Community Banks](https://www.ceisreview.com/2q25-credit-quality-trends-update-community-banks/) - CEIS's quarterly executive summary provides an overview of the key metrics, risks, regulatory focus areas, and strategic implications derived from CEIS's 2Q 2025 client engagement reporting and market activities. The reporting is intended to assist senior bank risk executives and board members in managing the risks associated with managing the commercial loan portfolio. To learn
- [1Q-2025 Community Bank - Commercial Loan Portfolio Data Trends](https://www.ceisreview.com/1q-2025-community-bank-commercial-loan-portfolio-data-trends-2/) - This executive summary provides an overview of the key metrics, risks, and strategic implications from the 1Q25 Commercial Loan Portfolio trends reporting Senior Banking Risk Executives and Board Members. To learn more about CEIS Review and our portfolio reporting, please contact us.
- [Portfolio Due Diligence  / Acquisition Reviews](https://www.ceisreview.com/portfolio-due-diligence-acquisition-reviews/) - CEIS Review's Commercial Portfolio Due Diligence services enable Investors and Acquiring Institutions a concise and convenient approach to determining the credit quality and administration of a targeted commercial loan portfolio. CEIS’ regulatory knowledge, our experienced credit professionals, industry insights, report rapid turnaround, and our tailored portfolio analysis all separate CEIS Review from other loan review
- [1Q-2025 Community Bank - Commercial Loan Portfolio Data Trends](https://www.ceisreview.com/1q-2025-community-bank-commercial-loan-portfolio-data-trends/) - This executive summary provides an overview of the key metrics, risks, and strategic implications from the 1Q25 Commercial Loan Portfolio trends reporting Senior Banking Risk Executives and Board Members. To learn more about CEIS Review and our portfolio reporting, please contact us.
- [CEIS' Client Banks Make S&P’s Best-Performing Community Banks of 2017](https://www.ceisreview.com/ceis-client-banks-make-best-performing-community-banks-2017/) - CEIS is very proud to recognize that of the 100 Banks selected for S&P’s Best-Performing Community Banks of 2017, several of our Clients are on the list, with a few represented within the top 20 Institutions.
- [Commercial Portfolio Trends 3-Q-24](https://www.ceisreview.com/commercial-portfolio-trends-3q24/) - CEIS Review's Quarterly Commercial Loan Portfolio Credit Quality Trends reporting on Community Banks.
- [Federal Reserve Beige Book – November 2024 - Bankers Summary](https://www.ceisreview.com/federal-reserve-beige-book-november-2024-bankers-summary/) - Federal Reserve Beige Book summary
- [Happy Holidays from CEIS Review](https://www.ceisreview.com/8007-2/) - Happy Thanksgiving from CEIS Review
- [An Internal Control - Credit Stress Testing](https://www.ceisreview.com/stresstesting/) - Credit Stress Testing and Capital Planning are integral to an institution’s “Internal Controls” and strategic planning practices. The mission of Credit Stress Testing is to provide insights into potential portfolio risk migrations under market changes of varying severity and the impact on the institution’s capacity to meet those challenges. This information is a powerful tool Credit Stress Testing and Capital Planning are integral to an institution’s “Internal Controls” and strategic planning practices. The mission of Credit Stress Testing is to provide insights into potential portfolio risk migrations under market changes of varying severity and the impact on the institution’s capacity to meet those challenges. This information is a powerful tool CEIS Review specializes in conducting portfolio-wide transactional credit stress testing for community banks and credit unions.
- [Due Diligence Portfolio Review](https://www.ceisreview.com/due-diligence-portfolio-review/) - As we are fast approaching the midpoint of the year, CEIS Review anticipates an increase in mergers and acquisitions in the banking industry. With the recent failures and regulators now taking a harder look, it is more important than ever for acquirers and sellers to obtain an objective, thorough, and comprehensive portfolio due diligence review.
- [FDIC Board Meeting - April 25, 2024](https://www.ceisreview.com/fdic-board-meeting-april-25-2024/) - The Federal Deposit Insurance Corporation (FDIC) is proposing to amend its filing requirements and processing procedures for notices filed under the Change in Bank Control Act (CBCA). The proposed amendment involves removing the exemption from the notice requirement for acquisitions of voting securities of a depository institution holding company with an FDIC-supervised subsidiary institution for
- [Commercial Loan Portfolio Quality Trends 4-Q-23](https://www.ceisreview.com/4-q-23-commercial-loan-portfolio-quality-trends/) - CEIS Review evaluates and assesses commercial loan portfolios to assist Senior Management and The Board in objectively assessing their Institution’s portfolios’ Credit Risk Quality and Administration. CEIS Review is uniquely positioned for insights into market activity covering several geographical areas, portfolio profile types, and regulatory agencies’ focus areas. After reviewing and analyzing the results of CEIS’s
- [Hotel Lending Outlook 2024 - RMA New England](https://www.ceisreview.com/hotel-lending-outlook-2024-rma-new-england/) - Join CEIS Review's Mr. Justin J. Hill and Mr. Robert Reuter as we virtually present for the New England Chapter of the Risk Management Association ("RMA") our observations and insights into today's Hotel Lending environment in regard to underwriting criteria, industry challenges, and industry trends as observed form CEIS' loan review practices. When - Wednesday,
- [Independent Loan Review - An Essential Tool to Identify Risk](https://www.ceisreview.com/independent-loan-review-an-essential-tool-for-identifying-risks/) - Although smaller institutions are not expected to maintain separate loan review departments, it is essential that an effective loan review system be in place at all regulated financial institutions.
- [CEIS - Key Points  - 2023 Shared National Credit Program](https://www.ceisreview.com/shared-national-credit-program/) - The 2023 review revealed increased SNC credit risk, primarily attributed to higher interest rates and challenges in certain industry sectors. Leveraged loans, comprising nearly half of total SNC commitments, exhibited high credit risk due to weak structures and aggressive repayment assumptions. Leveraged loans represented 46% of $6.4 trillion in total commitments and represent a disproportionately Technology, Telecom, Media, Health Care, Pharmaceuticals, Real Estate, and Transportation Services, all showing varying levels of special mention and classified commitments.
- [CEIS - Key Points  - 2023 Shared National Credit Program](https://www.ceisreview.com/shared-national-credit-program/) - The 2023 review revealed increased SNC credit risk, primarily attributed to higher interest rates and challenges in certain industry sectors. Leveraged loans, comprising nearly half of total SNC commitments, exhibited high credit risk due to weak structures and aggressive repayment assumptions. Leveraged loans represented 46% of $6.4 trillion in total commitments and represent a disproportionately Technology, Telecom, Media, Health Care, Pharmaceuticals, Real Estate, and Transportation Services, all showing varying levels of special mention and classified commitments.
- [NJ Bankers Annual Econ Leadership Forum - Sponsor](https://www.ceisreview.com/nj-bankers-annual-econ-leadership-forum-sponsor/) - CEIS Review is a proud sponsor and attendee to the New Jersey Bankers' Association's annual Economic Leadership Forum being held at The Palace at Somerset Park NJ, on March 7th, 2024. We are looking forward to another excellent event in 2024. Select here for more information on the event
- [IIB Internal Audit Conference - Sponsorship](https://www.ceisreview.com/iib-internal-audit-conference-sponsorship/) - Listen to CEIS Review's Mr. Justin Hill moderate a panel of experts to discuss the challenges and new expectations of auditing for cybersecurity, operational resilience, and business continuity, and third-party risk management in the wake of the newly revised NYS DFS Part 500 regulations, new SEC regulations on incident reporting for public companies, and the
- [CRE Stress Testing - Validated](https://www.ceisreview.com/cre-stress-testing-validated/) - In concert with CEIS Review’s Operations Policy and the Regulatory Model Risk Management Policy (SR11-7), we are pleased to announce that CEIS' “CRE Stress Testing Model” (“ST Model”) has been validated in conformance with Supervision and Regulation Letter SR 11-7: Guidance on Model Risk Management(SR11-7”). The validation process was conducted by an independent third-party loan stress testing
- [NJ Bankers Assoc. CFO Conference - Portfolio Credit Trends Presentation](https://www.ceisreview.com/nj-bankers-assoc-cfo-conference-portfolio-credit-trends-presentation/) - Please join CEIS Review as we present at this years New Jersey Bankers Association's CFO Conference being held on November 1st in Florham Park NJ. CEIS will be presenting our most recent Loan Portfolio Credit Trends along with discussion regarding observed recent regulatory hot topics and concerns that agencies have shown an increased focus towards
- [2Q-2023 Loan Quality Update](https://www.ceisreview.com/2q-2023-loan-quality-update/) - CEIS Review evaluates and assesses commercial loan portfolios to assist Senior Management and The Board in objectively assessing their Institution's portfolios' Credit Risk Quality and Administration. CEIS Review is uniquely positioned for insights into market activity covering several geographical areas, portfolio profile types, across regulatory agencies' concerns. After reviewing and analyzing the results of CEIS's quarterly
- [CEIS Review Sponsoring SNL Financial Community Bankers Conference May 3-4, Tampa Florida](https://www.ceisreview.com/ceis-review-sponsoring-snl-financial-community-bankers-conference-may3-4-tampa-florida/) - CEIS Review is proud to announce that we will be sponsoring and attending the first annual SNL Financials Community Bankers Conference in Tampa FL May 3-4 2012. Some of the topics which are going to be discussed are capital and credit concerns, value drivers in today's market, strategies for organic growth, and operational optimization and
- [FDIC Implementing technical tools to Assist Financial Institutions - CEIS Quarterly Newsletter – Volume 6, Issue 4](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-6-issue-4/) - After attending this year’s RMA “virtual” risk management conference there are a few takeaways we would like to share for the benefit of our clients. Of note was the FDIC’s session discussing their 2021 focus areas, and specifically loan review.
- [Asset Quality improves, Banks Remain Cautious: CEIS Review report](https://www.ceisreview.com/asset-quality-improves-banks-remain-cautious-ceis-review-report/) - Most banks have continued to show improving trends in terms of asset quality, levels of criticized and classified loans, and nonaccrual and delinquency rates, according to the new 2012 Q2 Client Survey conducted by CEIS Review. The survey also found that the industry remains conservative in terms of new originations. However, nonaccruals relative to portfolios
- [Credit Quality Improving, Multi-Family Growth, Refinancing Most Common Transaction: CEIS Review 2012 Q4 Report](https://www.ceisreview.com/credit-quality-improving-multi-family-growth-refinancing-most-common-transaction-ceis-review-2012-q4-report/) - In this most recent edition of our 2012 Q4 Client Survey we have touched on some additional findings that you may find very useful. While Hurricane Sandy's repercussions are still being felt, there is a continuing trend of refinancing being evident in the market, multi-family lending being the largest segment of growth, and more institutions
- [Creating an Effective Credit Policy for your Institution - The CEIS Quarterly – Newsletter, Issue 2 Volume 1](https://www.ceisreview.com/the-ceis-quarterly-newsletter-issue-2-volume-1/) - This Quarter's issue shares some of Joe Hill's thoughts on the current community banking environment with a focus on the observed growth among our client base, then a spotlight on Managing Director Mr. John P. Macukas, and an article discussing Creating an Effective Credit Policy for your institution.
- [Loosening Terms Make Loan Reviews Vital Again for Banks - American Banker 12/4/2015](https://www.ceisreview.com/loosening-terms-make-loan-reviews-vital-again-for-banks/) - On December 4th, 2015 The Amercian Banker online published an article written by Jackie Stewart which speaks directly to our field, with emphasis on the Loan Review function being an instrumental component in monitoring risks. By Jackie Stewart December 4, 2015 Banks must stay vigilant when it comes to minding their loan portfolios. Years of improved
- [CEIS' Quarterly Loan Portfolio Quality Survey 3Q-2015](https://www.ceisreview.com/ceis-quarterly-loan-portfolio-quality-survey-3q-2015/) - In this issue of CEIS' Quarterly Loan Portfolio Quality Client Survey, we take a look at CEIS' survey findings vs. industry reported loan portfolio quality indicators, provide recommendations concerning portfolio growth and risk management, look at trends in underwriting standards, and summarize the main points from the FDIC's Quarterly Banking Profile (3Q-2015). CEIS Review Quarterly Loan Portfolio
- [Banks Actively Booking CRE and Some Organizations Increasing C&I Transactions to Grow their Portfolio - The CEIS Quarterly Newsletter Issue 2, Volume 2](https://www.ceisreview.com/the-ceis-quarterly-newsletter-issue-2-volume-2/) - Select here to download The CEIS Quarterly Volume 2 Issue 2 On My Mind...CEIS' President, Joe Hill, shares his thoughts With the current healthy lending environment, Banks are actively booking CRE and at some organizations increasing C&I transactions to grow their portfolios. Competition for quality borrowers is stiff, as the community banking community broadly defined are
- [CEIS’ Quarterly Loan Portfolio Quality Survey 1Q-2017](https://www.ceisreview.com/ceis-quarterly-loan-portfolio-quality-survey-1q-2017/) - CEIS’ newest Quarterly Client Survey presents observations that the FDIC & OCC have stated that they have concerns on an easing of underwriting standards, fierce competition by banks against their peers, as well as against non-bank lenders that are present, as well as entering the market. We have also noted a slight increase of Criticized/Classified loans and the effect this may have on capital.
- [FDIC Quarterly Banking Profile 1Q2018 - Summary](https://www.ceisreview.com/fdic-quarterly-banking-profile-1q2018-summary/) - The FDIC recently released their 1Q2018 “Quarterly Banking Profile Summary” (1) report, which analyzes Bank performance over the most recent quarter. Below is our summary of the reported data which is pertinent to Commercial Portfolios and Risk Management, as well as highlighting Community Bank performance data where available.
- [Commercial Loan Portfolio Quality Trends Report 4Q-2019](https://www.ceisreview.com/commercial-loan-portfolio-quality-trends-report-4q-2019/) - As a commercial loan review provider to over 100+ Institutions, CEIS Review is able to aggregate the findings of our engagements then look to identify any emerging trends as well as provide some insightful commentary on our observations from a portfolio quality & regulatory standpoints. Below are the findings from 4Q 2019. Overall weakened underwriting
- [CRE Construction Stress Testing - A Multi-phased Approach](https://www.ceisreview.com/cre-construction-stress-testing-a-multi-phased-approach/) - 2023 is already proving to be as challenging as 2022 in terms of managing credit risk. CEIS recognizes this and has been working on improving ways to help manage these emerging risks though two new services designed to help identify order amongst the chaos. #1. The first offering is tied to the CEIS loan review
- [](https://www.ceisreview.com/4975-2/) - To our valued clients, friends, and associates, As we are all carefully navigating the COVID-19 (Coronavirus) global pandemic, CEIS Review has actively taken steps to ensure the safety of our staff and the continuity of operations for our valued client Institutions. Our business continuity plans are designed to have minimal impact on our firm’s operations
- [Battered Commercial Sector May See Some Healing in 2011](https://www.ceisreview.com/battered-commercial-sector-may-see-some-healing-in-2011/) - CEIS President/CEO Mr. Joe Hill chats with the Credit Union Time's Michelle A. Samaad about the current condition of the commercial lending sector and some expected recovery in 2011. Select Here to Read the full article CEIS President/CEO chats with the Credit Union Time's Michelle A. Samaad about the current condition of the commercial lending sector
- [CEIS Sponsoring Florida International Bankers Association Annual Risk Management Conference](https://www.ceisreview.com/ceis-sponsoring-florida-international-bankers-association-annual-risk-management-conference/) - CEIS Review is a featured sponsor of FIBA's annual Risk Management Conference being held in Miami Florida on October 24-25th of 2011. Additionally, CEIS President Joseph Hill is scheduled to be a keynote speaker on the topic of Stress Testing an organization's portfolio in today's environment. Areas of focus will include: Selecting and implementing risk
- [CEIS Review Releases Quarterly Client Survey - 4QE11](https://www.ceisreview.com/ceis-review-releases-quarterly-client-survey-4qe11/) - On an ongoing basis CEIS compiles certain data from its completed reviews. The intent is to identify patterns and trends with regard to loan quality (LQ) within our client base, as well as gain further insight as to how those portfolios are administered. Using this information, CEIS generates a quarterly report that focuses primarily on
- [CEIS - Clarification on Community Bank Stress Testing](https://www.ceisreview.com/ceis-clarification-on-community-bank-stress-testing/) - By: Ms. Elizabeth Williams, Managing Director On May 14, 2012, the OCC, FDIC and Federal Reserve issued a "Statement to Clarify Supervisory Expectations for Stress Testing by Community Banks". The guidance definitely states that the the "top down" stress testing programs currently required of larger US banks will not be pushed down to the community
- [Application of the Basel Accords in Latin America](https://www.ceisreview.com/application-of-the-basel-accords-in-latin-america/) - By: Mr. Mark C. Miller, CEIS Review Inc. CEIS Review maintains an active practice offered to international clients, particularly those throughout Latin America. While every geographic area does have some financial particularity to itself, a universal need in the lending community is being able to articulate and manage Credit Quality standards in anticipation of capital
- [Commercial Construction Lending Opportunities are on the Rise, are they an appropriate fit for your Institution?](https://www.ceisreview.com/commercial-construction-lending-opportunities-are-on-the-rise-are-they-an-appropriate-fit-for-your-institution/) - Commercial Real Estate Construction activity is on the rise and within such lies the potential for institutions to gain income and drive profits from participating in these activities. Before engaging or re-engaging in commercial construction lending, an institution should carefully examine several aspects of said lending activity and from such examination should be able to
- [TDR's and Recent Regulatory Guidance Release - CEIS' Takeaways](https://www.ceisreview.com/tdrs-and-recent-regulatory-guidance-release-ceis-takeaways/) - On October 24th there was an Interagency Supervisory Guidance released pertaining to everyone's favorite topic, TDR's. After reading through the release CEIS felt that it may be beneficial to summarize the take away points from the document. CEIS' Liz Williams has provided the following comments in an effort to assist clarification on the subject: "The
- [Hybrid Asset Based Lending: Controls Are Necessary](https://www.ceisreview.com/hybrid-asset-based-lending-controls-are-necessary/) - As an independent loan review provider to approximately 150 foreign and domestic lending institutions, CEIS Review has the benefit of being able to gain insights towards the emerging and prevalent developments within the banking arena regarding commercial lending activities. One such activity that we have noted as of recently, is the entrance or expanded interest
- [Shifting from CRE to C&I and Legal Documentation Observations](https://www.ceisreview.com/shifting-from-cre-to-ci-and-legal-documentation-observations/) - In the course of visiting client banks we make observations on particular items which sometimes are indicative of more universal issues. One of these universal issues has bubbled its way to the forefront. In the changing climate of the largest banks acquiring regional banks and turning their branches into solely deposit gathering and consumer lending
- [Credit Unions to follow Banks in performing Stress Tests](https://www.ceisreview.com/credit-unions-to-follow-banks-in-performing-stress-tests/) - A recent announcement from the National Credit Union Administration indicated that in the near future Credit Unions with more than $10 billion in assets will be required to perform Stress Tests alongside their banking peers. The release went along to state that the prescribed stress tests will be based on scenarios that have been developed
- [Understanding Examiner Loan Sampling Requirements](https://www.ceisreview.com/understanding-examiner-loan-sampling-requirements/) - By: Mr. Daniel Horan CEIS recently received the most recent (April 18, 2014) supervisory letter, SR 14-4 from the Board of Governors of the Federal Reserve setting forth loan sampling expectations for examinations of state member banks and credit extending nonbank subsidiaries of banking organizations. This guidance targets those financial institutions with $10-$50 Billion in
- [Credit Unions - Member Business Lending Activity & Growth](https://www.ceisreview.com/credit-unions-member-business-lending-activity-growth/) - As Credit Unions expand into commercial lending, CEIS' commercial loan review services have become an essential part of their portfolio management. Recently, the National Credit Union Administration (NCUA) has reported its analysis of first quarter 2014 results, and they reported that member business loan balances rose 11.1% to $47.3 billion from the previous year same
- [Stress Testing: Drafting a Battle Plan for the CRE Portfolio - Webinar](https://www.ceisreview.com/stress-testing-drafting-a-battle-plan-for-the-cre-portfolio-webinar/) - Join CEIS Review and Sageworks for a jointly held >webinar on August 27th, 2014 2pm EDT to discuss various topics revolving around the CRE Stress Testing process.CEIS performs and manages Stress Testing programs for is clients, while Sageworks provides the software platforms that enable institutions to perform the Stress Tests internally, or facilitate the data
- [Options for Balancing Loan Portfolio Growth and Risk Management](https://www.ceisreview.com/options-for-balancing-loan-portfolio-growth-and-risk-management/) - Community banks and credit unions often find themselves in a conflicting crunch. On the one hand, they want to be conservative with their risks and adhere to regulations; on the other hand, there is always the drive to be profitable for shareholders with a potential for growth. With the mandate to follow ever increasing regulatory
- [Mitigating Agricultural Lending Risk: Best Practices](https://www.ceisreview.com/mitigating-agricultural-lending-risk-best-practices/) - In recent years, the U.S. agricultural industry has experienced high levels of profitability that stand in stark contrast to the crises that racked the country throughout the 1980s. According to agricultural lenders, borrowers in this industry reflect few loan delinquencies and the number of charge offs is at a forty-year low. Despite this – and
- [CEIS Review releases "Quarterly Client Survey - 4QE14](https://www.ceisreview.com/ceis-review-releases-quarterly-client-survey-4qe14/) - On an ongoing basis, CEIS Review compiles certain data from its completed reviews. The intent is to identify patterns and trends with regard to loan quality (LQ) within our client base, as well as gain further insight as to how those portfolios are administered. Using this information, CEIS then generates a quarterly report that focuses
- [Quarterly Client Loan Portfolio Quality Survey, 1st Quarter 2015](https://www.ceisreview.com/quarterly-client-loan-portfolio-quality-survey-1st-quarter-2015/) - In the most recent Quarterly-Client-Survey-1st-Q-2015 we explore not only loan portfolio quality as evidenced by a sampling of our client base's portfolios, but we extract findings from recent releases by the FDIC, OCC, and FRB.
- [New Jersey Bankers - CEIS Review Article Reprint](https://www.ceisreview.com/new-jersey-bankers-ceis-review-article-reprint/) - CEIS Review is extremely proud to have an article which was in our recent newsletter being reprinted in the Spring edition of the New Jersey Bankers association publication the New Jersey Banker. The article covers the importance of having an adequate Credit Risk Rating system and provides some thoughts that should be considered when developing
- [How Banks Can Get More Value Out of Conducting Stress TestsHow banks can get more value out of conducting stress tests](https://www.ceisreview.com/how-banks-can-get-more-value-out-of-conducting-stress-tests/) - Most people who exercise regularly can vouch for the side benefits of physical activity. Putting periodic, controlled physical stress on your heart, lungs and muscles often produces more than just improved fitness; people also report better moods and lower appetites, for example. In the same way, financial institutions conducting stress tests to satisfy Regulators’ queries
- [Emerging Trends in Community Bank CRE Underwriting](https://www.ceisreview.com/emerging-trends-in-community-bank-cre-underwriting/) - As part of the loan review process, CEIS gathers underwriting statistics for transactions that were originated or renewed over the previous 12-18 months from the date of the subject loan review. In this initial publication, our analysis focuses on trends observed in underwriting Commercial Real Estate (CRE) income properties among banks located in New York
- [RMA - New England Chapter - Sources of Fraud/Implications of Loan Underwriting - CEIS Review Moderating](https://www.ceisreview.com/rma-new-england-chapter-sources-of-fraudimplications-of-loan-underwriting-ceis-review-moderating/) - Managing Director Ms. Elizabeth "Liz" Williams will be moderating a panel for the New England Chapter of the RMA at Brentley University on Friday, March 18th 11:30-1:30. The panel will consist of Executive Bankers, Lead Accounting Firms, and Prominent Legal Firms. Topics will cover the impact of fraud on Banks, collateral verification, financial statement fraud,
- [RMA-NY, Leveraged Lending Discussion Event](https://www.ceisreview.com/rma-ny-leveraged-lending-discussion-event/) - CEIS Review is proud to sponsor RMA NY Chapter's: Leveraged Lending - Current Outlook and Considerations Event on April 13th in Midtown NYC. CEIS Review has been performing reviews of Leveraged Loan and Structured Finance transactions for clients for several years. CEIS is well versed in the particular requirements for originating, and more importantly the
- [OCC - Semiannual Risk Perspective Release](https://www.ceisreview.com/occ-semiannual-risk-perspective-release/) - The OCC’s Semiannual Risk Perspective addresses key issues facing banks, focusing on those that pose threats to the safety and soundness of banks and their compliance with applicable laws and regulations. This report presents data in four main areas: the operating environment, bank performance, key risk issues, and regulatory actions. Select here to read the
- [RMA - "The Canary in the Coal Mine" Article RMA -](https://www.ceisreview.com/rma-the-canary-in-the-coal-mine-article/) - Risk Management Association's (RMA) - The Canary in the Coal Mine article where author Mr. Michael Marcucci interviews CEIS' President Mr. Joseph J. Hill and several other Financial Executives on the current market conditions, and which non-traditional credit quality indicators that lenders and managers should be paying attention to while we are in "good times". A
- [Leveraged Lending Transactions Continue to Increase & Scrutiny by  Banking Regulatory Agencies - CEIS Quarterly Newsletter Issue 3, Volume 2](https://www.ceisreview.com/the-ceis-quarterly-newsletter-issue-3-volume-2/) - In this release of our "The Quarterly" newsletter, Joe Hill speaks on being able to self-reflect as a company in order to identify and evaluate any areas of business which may need to be adjusted or refined in order to better the company as a whole but also to improve CEIS' client's engagements.
- [CEIS’ Quarterly Loan Portfolio Quality Survey 1Q-2016](https://www.ceisreview.com/ceis-quarterly-loan-portfolio-quality-survey-1q-2016/) - As a commercial Loan Review provider CEIS is able to identify any emerging trends in Loan Portfolio Quality among clients as well as note any developing regulatory focus areas should they present themselves to our client base. With that, we aggregate the loan review findings across clients and further analyze loan portfolio quality metrics as well discuss internally any regulatory matters which have become regular so that we can provide ourselves and our clients with some additional insight on the lending environment as evidenced in our findings.
- [Due Diligence in Subprime Mortgage Lending: Ensuring History Doesn’t Repeat Itself](https://www.ceisreview.com/due-diligence-mortgage-lending/) - What led to the subprime mortgage crisis? What role does due diligence play in mitigating risk averting another subprime lending catastrophe. Learn more here.
- [CEIS Review Whitepaper: Independent Loan Review](https://www.ceisreview.com/ceis-review-whitepaper-independent-loan-review/) - To learn more about the benefits of the Loan Review program offered by CEIS Review, please read our in-depth breakdown of the value of Loan Reviews Para obtener más información sobre los beneficios del programa de Revisión de Préstamos ofrecido por CEIS Review, lea nuestro desglose en profundidad del valor de los Revisión de Préstamos
- [OCC Outreach Session Highlights - April 2017](https://www.ceisreview.com/occ-outreach-session-highlights-april-2017/) - The Office of the Comptroller of the Currency (OCC) charters, regulates and supervises national banks and federal savings associations. This Northeastern District (NED) meeting encompassed banks within OCC supervision and covered geographic areas inclusive of NY, LI, Northern NJ, Hartford, Stamford, DC, MD, VA, Boston, Pittsburg, Richmond, Norfolk, Charlotte and Raleigh. Items of concern somewhat mirrored the those expressed in the OCC Semiannual Risk Perspective generated in the Fall 2016. The meeting was held in NYC and was attended by various regional OCC officers. The top risk items for discussion included Strategic, Credit, Operational and Compliance.
- [Shadow Lending in China and How Banks Can Protect Themselves](https://www.ceisreview.com/shadow-lending-in-china-and-how-banks-can-protect-themselves/) - Shadow banking systems, comprised of non-bank financial intermediaries that operate outside of financial regulations to provide similar services to commercial banks, have become increasingly common in China. This is the world’s second largest economy, where banks are controlled by big government and have been notoriously hesitant to lend to private businesses.
- [Recent Trends in New and Renewed Underwriting Standards -The CEIS Quarterly Newsletter Issue 3, Volume 3](https://www.ceisreview.com/the-ceis-quarterly-newsletter-issue-3-volume-3/) - In this release of our "The Quarterly" newsletter, Joe Hill speaks on recent trends in new and renewed underwriting standards, as observed through analysis of data gathered from CEIS' active base of approximately ~130 client institutions.
- [Summary: Federal Reserve Senior Loan Officer Opinion Survey](https://www.ceisreview.com/federal-reserve-report-on-bank-lending-practices-to-businesses-and-consumers/) - The Federal Reserve has recently examined market loan demand and loan underwriting standards in both commercial and consumer sectors, comparing the Senior Loan Officer Opinion Survey responses over the course of time from 2Q 2005 to 2Q 2017. In this release are questionnaire response results from 76 domestic banks and 22 U.S. branches and agencies of foreign banks. The survey questions were primarily qualitative, and give a broad picture of current market demand and loan underwriting standards.
- ["Risk Guidance on Commercial Real Estate Concentrations": Featured Webinar by Ms. Elizabeth Williams](https://www.ceisreview.com/risk-guidance-on-commercial-real-estate-concentrations-featured-webinar-by-ms-elizabeth-williams/) - We are proud to announce a live webinar that our very own Ms. Elizabeth “Liz” Williams will be presenting today at 1:00 PM EST, titled “Risk Guidance on Commercial Real Estate Concentrations”. Ms. Williams is Managing Director who handles Special Projects & “Complex” Reviews for CEIS Review.
- [CEIS Review at IBANYS Annual Convention 2017](https://www.ceisreview.com/ceis-review-at-ibanys-annual-convention-2017/) - CEIS is excited to be attending and sponsoring the Independent Bankers Association of New York State (IBANYS) 2017 Annual Convention in Niagara Falls. We hope to see you there!
- [CEIS Review at Sageworks Risk Management Summit 2017](https://www.ceisreview.com/ceis-review-at-sageworks-risk-management-summit-2017/) - We are a proud partner with Sageworks, a financial information company that provides financial analysis and risk management applications to thousands of institutions in the U.S. and internationally. CEIS will be in attendance at the Sageworks 2017 Risk Management Summit. We hope to see you there!
- [CEIS Review at Lakeland Bank's 44th Annual Scholarship Fund Golf Outing](https://www.ceisreview.com/ceis-review-at-lakeland-banks-44th-annual-scholarship-fund-golf-outing/) - CEIS is pleased to support Lakeland Bank at their 44th Annual Scholarship Fund Golf Outing. We also attended last year, when Lakeland Bank raised enough funds to award college scholarships to 72 high school seniors, as well as five college students. Hats off to you, Lakeland, and we'll see you soon!
- [CEIS Review at the Richard J. O'Brien Foundation "Networking for a Cause Breakfast"](https://www.ceisreview.com/ceis-review-at-the-richard-j-obrien-foundation-networking-for-a-cause-breakfast/) - CEIS Review is honored to be attending and sponsoring the upcoming Richard J. O'Brien Networking for a Cause Breakfast. The Richard J. O'Brien Foundation was established to honor the memory of Mr. O'Brien and his dedication to organizations benefitting children and their families. Through June 2017, the Foundation has donated $377,500 to various children's charities.
- [Complimentary Webinar: CEIS' Liz Williams Presents CRE Concentration Risk Management](https://www.ceisreview.com/ceis-liz-williams-presents-cre-concentration-risk-management-recorded-webinar/) - Liz Williams discusses best practices in commercial real estate (CRE) and multifamily concentrations, which are a key focus for regulators within the current exam cycle. Regulators have indicated that they will focus on banks with significant growth in CRE or with CRE concentrations approaching/exceeding regulatory thresholds. However, having a CRE concentration is not necessarily a bad thing.
- [FDIC Concerning Community Bank Performance - The CEIS Quarterly Newsletter Issue 4, Volume 3](https://www.ceisreview.com/the-ceis-quarterly-newsletter-issue-4-volume-3/) - In this release of CEIS Review's "The Quarterly" newsletter, Joe Hill comments on data from the FDIC concerning Community Bank performance through 2Q 2017.
- [Commercial Real Estate Concentration Risk ManagementC](https://www.ceisreview.com/commercial-real-estate-concentration-risk-management/) - Two of CEIS' experts, Mr. Christopher "Kit" Webbe and Ms. Elizabeth Williams, examine the topic in depth.
- [OCC Fall 2017 Semiannual Risk Perspective - Summary](https://www.ceisreview.com/occ-fall-2017-semiannual-risk-perspective-summary/) - Per the OCC, their Semiannual Risk Perspective addresses key issues facing banks, focusing on those that pose threats to the safety and soundness of banks and their compliance with applicable laws and regulations. This report presents data in four main areas: the operating environment, bank performance, trends in key risks, and supervisory actions.
- [The State of Affairs: Marijuana Legalization and Banking](https://www.ceisreview.com/the-state-of-affairs-marijuana-legalization-and-banking/) - CEIS Review explores the state of affairs regarding Marijuana Legalization and its effect on the relationship between Cannabis-related businesses and Banking Institutions.
- [Summary: Press Release Regarding Appraisal Requirements for CRE Transactions](https://www.ceisreview.com/summary-press-release-regarding-appraisal-requirements-for-cre-transactions/) - We summarize a joint press release issued by the Fed, FDIC, and OCC regarding the final rule to exempt commercial real estate transactions of $500,000 or less from appraisal requirements.
- [CEIS Review is Proud to Support NC Bankers' "Camp Challenge" Youth Outreach Program](https://www.ceisreview.com/ceis-review-is-proud-to-support-nc-bankers-camp-challenge-youth-outreach-program/) - NC Bankers offers these promising young sixth, seventh, and eighth graders with a number of enriching activities such as courses in archery, skateboarding, digital media, cooking, as well as business courses focusing on automobile purchases, entrepreneurship, and even financing education!
- [CRE Concentration Management - The CEIS Quarterly Newsletter - Volume 4, Issue 1](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-4-issue-1/) - CRE Concentration Identification by Regulatory Definition, and Industry Best Practices for managing identified Loan Concentrations.
- [CEIS Review is Proud to Support Lakeland Bank’s Charity Golf Outing](https://www.ceisreview.com/ceis-review-is-proud-to-support-lakeland-banks-charity-golf-outing/) - Since its inception in 1982, this event has raised and donated over one million dollars to not-for-profit organizations serving the New Jersey community.
- [CEIS Review is a Proud Sponsor of Dime Bank’s Charitable Golf Outing](https://www.ceisreview.com/ceis-review-is-a-proud-sponsor-of-dime-banks-charitable-golf-outing/) - CEIS is proud to support The Dime Foundation. Established 20 years ago in 1998, Dime Bank has disbursed funds to over 70 charitable organizations.
- [How to Identify a Leveraged Loan in your Portfolio - The CEIS Quarterly Newsletter – Volume 4, Issue 2](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-4-issue-2/) - In this release of CEIS Review's "The Quarterly" newsletter, our President & CEO Joe Hill discusses trends in underwriting standards over the past year and economic trends to look for when safeguarding resilience in your portfolio. Also covered in this issue is a summary of the Federal Reserve Senior Loan Officer Opinion Survey, and How to Identify a Leveraged Loan in Your Portfolio.
- [OCC Spring 2018 Semiannual Risk Perspective – Summary](https://www.ceisreview.com/occ-spring-2018-semiannual-risk-perspective-summary/) - The OCC’s National Risk Committee issues a Semiannual Risk Perspective, the most recent one highlighting financial data as of Spring 2018. Below is a summary that highlights reporting which is pertinent to Commercial Loan Portfolio risk management.
- [Results of the Fed's survey on bank lending practices, and how to get the most out of your Institution's Stress Testing program -The CEIS Quarterly Newsletter – Volume 4, Issue 3](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-4-issue-3/) - In this release of CEIS Review’s “The Quarterly” newsletter, President & CEO Joe Hill summarizes the Fed’s key findings in the most recent Senior Loan Officer Opinion Survey. Also included: How to get more out of your Stress Testing program, a CECL survey, and relevant articles.
- [](https://www.ceisreview.com/seasons-greetings-from-ceis-review-2/) - Wishing all of our Clients and Friends a Joyous Holiday Season and an Amazing New Year!
- [Share National Credit Program: 1st & 3rd Quarter 2018 Examinations](https://www.ceisreview.com/share-national-credit-program-1st-3rd-quarter-2018-examinations/) - Shared National Credit Program Review Report.
- [Tennessee Bankers Association](https://www.ceisreview.com/tennessee-bankers-association/) - CEIS Review is a proud sponsor of Tennessee Bankers Association Credit Conference at the Omni Nashville Hotel, Tuesday, February 5th, and Wednesday, February 6th, we will be located at Booth 16.
- [The CEIS Quarterly Newsletter – Volume 5, Issue 1](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-5-issue-1/) - In this release of CEIS Review’s “The Quarterly” newsletter, our President & CEO Joe Hill discusses some potential areas of concern as observed throughout our Loan Review findings. Covered in this issue: On My Mind: Joe Hill discusses some potential areas of concern as observed throughout our Loan Review findings. Hybrid Asset-Based Lending: Controls are
- [RMA New England Chapter: CRE Lending at the Top of the Market](https://www.ceisreview.com/rma-new-england-chapter-cre-lending-at-the-top-of-the-market/) - CEIS Review’s very own Robert Reuter, Managing Director, Executive Editor will be the Moderator at today’s RMA’s Event “Commercial Real Estate Lending at the Top of the Market” at Embassy Suites Hotel in Waltham, MA
- [FDIC Quarterly Banking Profile 4Q2018 – Summary](https://www.ceisreview.com/fdic-quarterly-banking-profile-4q2018-summary/) - The FDIC has released their “Quarterly Banking Profile: Fourth Quarter 2018” report (1), which provides for a comprehensive summary of the most current financial results for the banking industry. The FDIC’s Quarterly release analyzes the economic and banking trends at the national and regional levels. Following is our summary of the reported data which is
- [7th Annual LPC Middle Market Loans Conference](https://www.ceisreview.com/7th-annual-lpc-middle-market-loans-conference/) - CEIS Review is a proud sponsor of 7th Annual LPC Middle Market Loans Conference at The Marriott Marquis in New York, on Wednesday, May 1st
- [NJ Bankers 115th Annual Conference](https://www.ceisreview.com/nj-bankers-115th-annual-conference/) - CEIS Review is a long time sponsor of NJ Bankers and will be sponsoring the NJ Bankers 115th Annual Conference at The Broadmoor in Colorado Springs, May 1st to May 5th.
- [The CEIS Quarterly Newsletter – Volume 5, Issue 2](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-5-issue-2/) - In this release of CEIS Review’s “The Quarterly” newsletter, our President & CEO Joe Hill discusses the continued sound business practice of stress testing. Covered in this issue: On My Mind: Joe Hill discusses the continued sound business practice of stress testing Municipal Portfolio Reviews Related Links to news articles Upcoming Events Select here: The
- [NJ Bankers Commercial Real Estate Conference](https://www.ceisreview.com/nj-bankers-commercial-real-estate-conference/) - CEIS Managing Director-Stress Testing Dean Giglio gave a presentation New Jersey Bankers Commercial Real Estate Conference at The Sheraton Edison Raritan Center, May 30th. The conference focused on CRE activities in the Garden State and was also attended by Regulators from the FDIC, FRB, and NJ State bank examiners. Mr. Giglio’s presentation focused on trends
- [Florida Bankers Association’s 131st Annual Meeting](https://www.ceisreview.com/florida-bankers-associations-131st-annual-meeting/) - We are happy to be attending and sponsoring Florida Bankers Association’s 131st Annual Meeting being held June 9th - June 12th at Four Seasons Resort in Orlando FL.
- [NJ Bankers Associations Women in Banking Conference](https://www.ceisreview.com/nj-bankers-associations-women-in-banking-conference/) - CEIS Review is a proud sponsor of NJ Bankers Associations Women in Banking Conference being held on Wednesday, June 12th at The Palace at Somerset Park, Somerset, NJ.
- [NJ Bankers: The Bankers Cup](https://www.ceisreview.com/nj-bankers-the-bankers-cup/) - CEIS’ is excited to be sponsoring and participating in this years NJ Banker’s golf outing, “The Bankers Cup”, at the ever-challenging Fiddlers Elbow Country Club in Bedminster, NJ. Come join CEIS as we aim to take home the prize for the longest drive as CEIS’ Chris Fredericks has taken that prize at a few other
- [Results of the most recent Federal Reserve Senior Loan Officer Opinion Survey (“SLOOS”) - The CEIS Quarterly Newsletter – Volume 5, Issue 3](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-5-issue-3/) - Select here: The CEIS Review Quarterly – Volume 5, Issue 3 New York, August 15, 2019 - CEIS Review Inc. is a Commercial Loan Portfolio Consulting firm serving the needs of Commercial Lending Institutions. In this issue of our newsletter, we discuss the results of the most recent Federal Reserve Senior Loan Officer Opinion Survey
- [IIB Annual Risk Management & Regulatory Examination/Compliance Seminar](https://www.ceisreview.com/iib-annual-risk-management-regulatory-examination-compliance-seminar/) - Great way to start your first week of October off with discussions related to risk management and regulatory compliance issues that directly affect Foreign Banking institutions operating in the United States. CEIS Review is a honored sponsor of, IIB’s Risk Management & Regulatory Examination Compliance Seminar, Monday, October 7th and Tuesday, October 8th at the
- [FDIC Quarterly Banking Profile 2Q2019 – Summary](https://www.ceisreview.com/fdic-quarterly-banking-profile-2q2019-summary/) - FDIC Quarterly Banking Profile 2Q2019 – Summary The FDIC has released their “Quarterly Banking Profile: Second Quarter 2019” report (1), which provides for a comprehensive summary of the most current financial results for the banking industry. The FDIC’s Quarterly release analyzes the economic and banking trends at the national and regional levels. Following is our
- [RMA's Annual Risk Management Conference](https://www.ceisreview.com/rmas-annual-risk-management-conference/) - CEIS hopes to see you in the "Big Easy" at the RMA's Annual Risk Management Conference happening October 27th-29th at the Hyatt Regency, New Orleans.
- [Why retaining and experienced credit professionals is necessary; and how it improve the effectiveness of ALLL/ CECL modeling through the use of Correlation - The CEIS Quarterly Newsletter – Volume 5, Issue 4](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-5-issue-4/) - In this release of CEIS Review’s “The Quarterly” newsletter, we discuss why retaining and experienced credit professionals is necessary; and how it improve the effectiveness of ALLL/ CECL modeling through the use of correlation.
- [2019 Senior Loan Officer Opinion Survey on Bank Lending Practices -Summary](https://www.ceisreview.com/2019-senior-loan-officer-opinion-survey-on-bank-lending-practices-summary/) - The Federal Reserve System has released their “October 2019 Senior Loan Officer Opinion Survey on Bank Lending Practices” report (1), which addresses the changes in the standards and term on, and demand for, bank loans to business and households over the past three months. Commercial and Industrial (C&I) Lending Respondent Institutions have indicated that while
- [Tennessee Bankers Association Credit Conference](https://www.ceisreview.com/tennessee-bankers-association-credit-conference/) - CEIS Review will be sponsoring Tennessee Bankers Association for the annual Credit Conference, where the music, food, and libations flow ever so freely. The Credit Conference will be taking place at the Omni in Nashville, Tennessee from Thursday, February 13th to Friday, February 14th.
- [The CEIS Quarterly Newsletter – Volume 6, Issue 1](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-6-issue-1/) - In this issue of CEIS’ “The Quarterly” newsletter, we discuss the findings of the most recently completed Shared National Credit (“SNC”) programs findings, with a focus on the effects of heightened leveraged lending and the inherit elevated risks with this lending segment, then we pivot to discuss the unique structures of hybrid asset based lending
- [Navigating the Global Pandemic COVID-19](https://www.ceisreview.com/navigating-the-global-pandemic-covid-19/) - To our valued clients, friends, and associates, As we are all carefully navigating the COVID-19 (Coronavirus) global pandemic, CEIS Review has actively taken steps to ensure the safety of our staff and the continuity of operations for our valued client Institutions. Our business continuity plans are designed to have minimal impact on our firm’s operations
- [Commercial Loan Portfolio Trends April 9, 2021](https://www.ceisreview.com/commercial-loan-portfolio-trends-april-9-2021/) - To View in PDF: Loan Portfolio Trends Presentation - All Banks More Notable Bank Examiner Concerns With the economic impact of the COVID-19 Global Pandemic still being diluted by numerous economic relief efforts throughout 2020 and into 2021, Community Banks should act conservatively within 2021. Ensuring that your Institution has the proper risk management processes
- [Commercial Loan Portfolio Quality Trends Q1 2021](https://www.ceisreview.com/commercial-loan-portfolio-quality-trends-q1-2021/) - CEIS Review aggregates the findings of our client engagements with a goal of identifying any emerging trends related to various activities including loan quality, risk rating variances, credit policy and technical exceptions, covenants, and Loan Loss Reserve coverage for classified loans. The data used herein is primarily applied using a “rolling four quarters” basis as
- [Commercial Loan Portfolio Quality Trends 3Q21](https://www.ceisreview.com/commercial-loan-portfolio-quality-trends-3q21/) - Click to Download Full PDF Here The following is summary of a limited items regularly shared in CEIS’ Quarterly Loan Portfolio Quality Trends reporting for Client distribution. CEIS enjoys a business relationship with approximately 100+ commercial lending Institutions, of which approximately ~two thirds being Community Banks. CEIS’ other Clients are larger specialty lenders, foreign banking
- [Commercial Loan Portfolio Quality Trends 4Q21](https://www.ceisreview.com/commercial-loan-portfolio-quality-trends-4q21/) - Click to Download Full PDF Here The following is a summary of a limited topics that CEIS quarterly surveys. The CEIS database includes various other indicators such as grade variances, grade outlooks, covenant compliance, new and renewed characteristics, and other related statistics. CEIS enjoys a business relationship with approximately 130 commercial lenders of which 65-70%
- [The Ray Cordts Memorial Sussex County Golf Classic Event](https://www.ceisreview.com/the-ray-cordts-memorial-sussex-county-golf-classic-event/) - CEIS Review is proud to sponsor The Ray Cordts Memorial Sussex County Golf Classic Event: Lakeland Bank Announcement for - The Ray Cordts Memorial Sussex County Golf Classic Event on Tuesday, June 21, 2022 at Newton Country Club in Newton, NJ CEIS Review is proud sponsor of The Ray Cordts Memorial Sussex County Golf Classic event put on
- [The New York Bankers Association - Long Island Division Golf Outing & Dinner Event](https://www.ceisreview.com/the-new-york-bankers-association-long-island-division-golf-outing-dinner-event/) - CEIS Review is proud to sponsor The New York Bankers Association - Long Island Division Golf Outing & Dinner: The New York Bankers Association - Long Island Division Golf Outing & Dinner Registration The 123rd Annual Golf Outing and Dinner Event is on June 13th at the Wheatley Hills Golf Club in East Williston, New
- [Bankers Cup Tournament - Fiddlers Elbow Country Club](https://www.ceisreview.com/bankers-cup-fiddlers-elbow-country-club/) - CEIS Review is proud to sponsor Bankers Cup Tournament at the Fiddlers Elbow Country Club: Bankers Cup Tournament at the Fiddlers Elbow Country Club Registration The Bankers Cup Tournament Event is on August 15th at the Fiddler's Elbow Country Club in Bedminster, NJ. Schedule of Events: 11:00 A.M. - REGISTRATION AND DRIVING RANGE OPEN 11:30
- [36th Florida Bank Directors Forum](https://www.ceisreview.com/36th-florida-bank-directors-forum/) - CEIS Review is proud to sponsor 36th Florida Bank Directors Forum: The 36th Florida Bank Directors Forum is on Thursday September 1, 2022 at 8:30 AM through Friday at the Rosen Shingle Creek Hotel in Orlando, FL. CEIS Review has been performing reviews of Florida Bankers Association transactions for clients for several years. CEIS is well versed
- [LR Findings/ Commercial Portfolio Trends - July 2022](https://www.ceisreview.com/lr-findings-commercial-portfolio-trends-july-2022/) - Click to Download Full PDF Here Quarterly, CEIS compiles averages on commercial loan portfolio quality indicators based on loan reviews completed by CEIS by QE. The following a/o 3/31/22 is one metric that last shows average positive trend lines on the level of community bank criticized and classified loan exposures. Loan Quality Averages – 3
- [Commercial Loan Portfolio Quality Trends 3Q22](https://www.ceisreview.com/commercial-loan-portfolio-quality-trends-3q22/) - On a quarterly basis CEIS Review compiles averages on commercial loan portfolio quality indicators based on loan reviews completed by CEIS Review by QE.
- [NJ Bankers Economic Leadership Forum](https://www.ceisreview.com/nj-bankers-economic-leadership-forum/) - CEIS Review is a proud sponsor of the NJ Bankers Economic Leadership Forum this Friday, January 18th, The Palace at Somerset Park, Somerset, NJ.
- [Institute of International Bankers Annual Washington Conference](https://www.ceisreview.com/institute-of-international-bankers-annual-washington-conference/) - CEIS Review is a proud sponsor of Institue of International Bankers Annual Washington Conference at The Ritz-Carlton in Washington, DC, March 10th - 12th.
- [Interagency Final Guidance on Credit Risk Review Systems (Interagency Guidance)](https://www.ceisreview.com/interagency-final-guidance-on-credit-risk-review-systems-interagency-guidance/) - On May 8, 2020, the FDIC, Federal Reserve Board, OCC and NCUA, jointly issued the final Interagency Guidance on Credit Review Systems (1). Below is a summary of the guidance as provided by CEIS Review. This Interagency Guidance (1) replaces the guidance in– Loan Review Systems, which is part of the December 2006 Interagency Policy Statement on
- [Regulatory Agencies respond to the COVID-19](https://www.ceisreview.com/regulatory-agencies-respond-to-the-covid-19/) - In response to the COVID-19 the Board of Governors of the Federal Reserve System, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, National Credit Union Administration , and Office of Comptroller of the Currency issued a joint statement, on March 26th encouraging banks, savings associations and credit unions to offer responsible small-dollar loans to consumers
- [COVID-19 Reserve Analysis Assistance](https://www.ceisreview.com/covid-19-reserve-analysis-assistance/) - CEIS Review understands that banks have heightened their consideration of “today’s” reserve level adequacy and plans for near to medium term provisions. Reserve levels are currently being impacted by a number of events, some of which are difficult to quantify and will only emerge over time. Decisions need to be made and there are several
- [The US Department of Commerce](https://www.ceisreview.com/the-us-department-of-commerce/) - The US Department of Commerce has created a dedicated website to aid small business owners regarding the Federal Governments CARES Act and obtaining Grants or Loans. The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated almost $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the
- [The Federal Reserve established the Money Market Mutual Fund Liquidity Facility](https://www.ceisreview.com/the-federal-reserve-established-the-money-market-mutual-fund-liquidity-facility/) - The Federal Reserve Bank regulatory announced, they are supporting the flow of credit to the economy, the final rule is to ensure that financial institutions well be able to enhance the liquidity and functioning of its crucial state and municipal money markets. The Federal Reverse Board launched Money Market Mutual Fund Liquidity Facility, or MMLF
- [Regulatory agencies recognize the impact COVID-19](https://www.ceisreview.com/regulatory-agencies-recognize-the-impact-covid-19/) - CEIS Review recognizes that the coronavirus pandemic is causing tremendous hardship across the world. It is everyone’s priority to care for those afflicted and to minimize the further spread of the virus. While great uncertainty remains, it has become clear that our economy will face severe disruptions. Challenges in the Financial Institutions Regulatory agencies recognize
- [FDIC Quarterly Banking Profile 4Q2019 – Summary](https://www.ceisreview.com/fdic-quarterly-banking-profile-4q2019-summary/) - The FDIC has released their “Quarterly Banking Profile: Fourth Quarter 2019” report (1), which provides for a comprehensive summary of the most current financial results for the banking industry. The FDIC’s Quarterly release analyzes the economic and banking trends at the national and regional levels. Following is our summary of the reported data, which is
- [Stress Testing in Stressful Times](https://www.ceisreview.com/stress-testing-in-stressful-times/) - Ten years ago, in the aftermath of the financial crisis the banking community and regulatory authorities embraced the use of enhanced modeling and stress-testing to ward against a future event having such an significant impact on the Nation's banking environment. Those efforts aided by strong economic recovery, have resulted in increased capital levels and stronger
- [Community Bank Partner - Commercial Portfolio Management](https://www.ceisreview.com/community-bank-partner-commercial-portfolio-management/) - Over the past 8 weeks impacts of the actions taken to safeguard everyone from the virus and “flatten the curve” have forced many changes on both our personal and professional activities. As we begin the task to assess these changes and their potential impacts we need to also evaluate what tools are available to help
- [Uncharted Waters – COVID-19 Is A Different Kind of Crisis](https://www.ceisreview.com/uncharted-waters/) - Overview of Initial Impact. How Should Lenders Prepare? Over the last few weeks, I’ve been researching the potential financial impact of the COVID-19 Pandemic and reflecting on the economic aftermath relative to previous crises. Although there are some commonalities in all crises (i.e. volatility, disruption), I believe that COVID-19 is profoundly different. The harsh reality
- [Allowance for Credit Losses (ACL) Summary – Accompanies the Current Expected Credit Loss (CECL) directive issued by the FASB](https://www.ceisreview.com/allowance-for-credit-losses-acl-summary-accompanies-the-current-expected-credit-loss-cecl-directive-issued-by-the-fasb/) - On February 20, 2020, the four US Banking regulators (OCC, FRB, FDIC and NCUA) issued the final policy statement for the financial institution adoption of CECL, the FASB (ASU 2016-13) change from an incurred loss (IL) reserving methodology to an expected loss (EL) methodology. This methodology is a forward looking reserve determination and is calculated
- [ALLL/CECL and COVID-19 – Reserving for Loan Losses During a Pandemic](https://www.ceisreview.com/alll-cecl-and-covid-19-reserving-for-loan-losses-during-a-pandemic/) - by John Hurlock, Executive Consultant at CEIS Review "Unlike the 2008 Financial Crisis, this crisis is borne of a microbe and not of a financial meltdown." As recently as a few months ago, determining the reserve had settled into a fairly straightforward and predictable event. Losses have been extremely low for the last several years
- [Fed to Reserve Bank Exams After Scaling Back for Pandemic](https://www.ceisreview.com/fed-to-reserve-bank-exams-after-scaling-back-for-pandemic/) - On Monday June 15th the Federal Reserve announced that it is resuming examinations for Banks of all sizes. The Fed specifically stated that the rationale for this decision is that "As financial institutions have had time to implement contingency operating plans and adapt operations to the COVID-19 operating environment, the Federal Reserve is resuming examination
- [OCC Issues a Proposed True Lender Rule](https://www.ceisreview.com/occ-issues-a-proposed-true-lender-rule/) - The Regulatory Agency, Office of the Comptroller of the Currency (OCC) on Monday, July 20th,2020 proposed a regulation that would determine when a National Bank or Federal Savings Association makes a loan and is the “true lender” in the context of a partnership between a bank and a third party, such as a marketplace lender.
- [COVID-19 Pandemic – Credit Concerns](https://www.ceisreview.com/covid-19-pandemic-credit-concerns/) - By the end of 2020 it is estimated that U.S. community banks could face a 50% decrease in earnings due to spikes in credit costs. Second-quarter earnings have not yet exposed a significant decline in credit quality, in part due to deferrals of interest and/or principal payments on their loans as promoted under the CARES
- [2020 Senior Loan Officers Opinion Survey on Bank Lending Practices – Summary](https://www.ceisreview.com/2020-senior-loan-officers-opinion-survey-on-bank-lending-practices-summary/) - The Federal Reserve System has released their “July 2020 Senior Loan Officer Opinion Survey on Bank Lending Practices” report (1), which addresses the changes in the standards and terms on, and demand for, bank loans to business and households. Commercial and Industrial (C&I) Lending Respondent Institutions have indicated that while some have tightened or simply
- [Joint Statement on Additional Loan Accommodations Related to COVID-19](https://www.ceisreview.com/joint-statement-on-additional-loan-accommodations-related-to-covid-19/) - “Borrowers facing identified financial difficulties as they near the end of the accommodation periods generally pose greater credit risk.” On August 3, 2020, the Federal Financial Institutions Examination Council (“FFIEC”) issued a joint statement with further guidance regarding COVID-19 loan modifications, as Borrowers are nearing the end of their initial accommodation/deferment period and are approaching
- [2020 Senior Loan Officer Opinion Survey on Bank Lending Practices on Bank Lending Practices – Summary](https://www.ceisreview.com/2020-senior-loan-officer-opinion-survey-on-bank-lending-practices-on-bank-lending-practices-summary/) - The Federal Reserve released their September 2020 supplementary Senior Loan Officer Opinion Survey on Bank Lending Practices (SLOOS) to understand the experiences of domestically chartered banks with the Main Street Lending Program (MSLP). The survey consisted of a set of questions that focused on four areas: commercial and industrial (C&I) loan inquiries and banks’ participation
- [The Banking Regulatory Agencies’ Final Rule](https://www.ceisreview.com/the-banking-regulatory-agencies-final-rule/) - Due to strains on the U.S. economy as a result of the COVID-19 Global Pandemic, the Banking Regulatory agencies’ final rule allows regulated institutions to expeditiously extend liquidity to creditworthy households and businesses. Under the final rule, regulated institutions may defer: required appraisals and evaluations for up to 120 days for all residential and commercial
- [2020 Senior Loan Officer Opinion Survey on Bank Lending Practices on Bank Lending Practices – Summary](https://www.ceisreview.com/2020-senior-loan-officer-opinion-survey-on-bank-lending-practices-on-bank-lending-practices-summary-2/) - The Federal Reserve released their October 2020 supplementary Senior Loan Officer Opinion Survey on Bank Lending Practices (SLOOS) addressed changes in the standards and terms on, and demand for bank loan to businesses and households over the past three months, in the third quarter. C&I loans to both large and middle-market firms and to small
- [Stress’s Being Applied to Commercial Portfolio - Press Release](https://www.ceisreview.com/ceis-review-press-release/) - A negative grade migration has been slowed down due to COVID-19, while borrowers with delays has led to increased exception levels. New York, NY- CEIS Review has recently begun to observe stress’s being applied to commercial portfolios reflected within our aggregated portfolio findings. CEIS’ internal Loan Portfolio Quality Statistics (“LPQS”) are beginning to show a
- [1-Q-23 Loan Portfolio Trends](https://www.ceisreview.com/1-q-23-loan-portfolio-trends/) - Click to download full PDF here. Loan Quality 1 Criticized Segment – The average level of criticized loans to portfolio continued to decline to 2.83% at Q1 2023 compared to 2.97% at Q4 2022 and 3.43% one year earlier at Q1 2022. Classified loans relative to portfolio also declined to 1.65% at Q1 2023 compared
- [Among Community Banks, Commercial Real Estate Construction is Back in Full Swing - The CEIS Quarterly - Newsletter Issue 4, Volume 1The CEIS Quarterly Volume 1, Issue 4](https://www.ceisreview.com/the-ceis-quarterly-volume-1-issue-4/) - Click here to download the The CEIS Quarterly Volume 1 Issue 4 On My Mind...CEIS' President, Joe Hill, shares his thoughts We've been SOC'ed!! That's right, CEIS Review has been successfully SOC 1 Type 2 audited and has passed with flying colors. While it was a most pleasurable experience, we are happy to have our
- [CEIS Is Starting To See the Stress On Commercial Portfolios](https://www.ceisreview.com/ceis-is-starting-to-see-the-stress-on-commercial-portfolios/) - Click To View As PDF: The CEIS Review Quarterly V7, i1 CEIS Review has recently begun to observe stress’s being applied to commercial portfolios reflected within our aggregated portfolio findings. CEIS’ internal Loan Portfolio Quality Statistics (“LPQS”) are beginning to show a modest - to moderate increase, in the criticized and classified loan level ratios
- [CEIS is Proud to Support Cross River Bank's Charity Golf & Tennis Outing](https://www.ceisreview.com/ceis-is-proud-to-support-cross-river-banks-charity-golf-tennis-outing/) - CEIS Review is very proud to once again support Cross River Bank's Annual Golf & Tennis Outing to benefit Madraigos and their life saving work. Madraigos is a not-for-profit organization whose mission is geared towards helping teens and young adults overcome life’s everyday challenges one step at a time. Their goal is to provide today's youth with the necessary tools and skills to live a healthy and productive lifestyle, and become the leaders of tomorrow. Thank you to both Cross River Bank and Madraigos for your service to the community.
- [Identifying and Protecting Against Commercial Loan Schemes](https://www.ceisreview.com/commercial-loan-schemes/) - CEIS Review's Managing Director Ms. Elizabeth Williams moderated a panel for the Risk Management Association’s New England chapter at Bentley University last month. The panel discussed the topic of Fraud among commercial lending. During this discussion panelists informed attendees of the impact fraud can have on their institution, measures to take to prevent their institution
- [CEIS Salutes Our Veterans](https://www.ceisreview.com/ceis-salutes-our-veterans/) - We here at CEIS honor and salute our heroes in the military. We deeply appreciate your service.
- [Season's Greetings from CEIS Review](https://www.ceisreview.com/seasons-greetings-from-ceis-review/) - Seasons' Greetings from CEIS Review to You and Yours!
- [The Dodd-Frank Act: A Lesson in Sound Financial Practices](https://www.ceisreview.com/a-lesson-in-sound-financial-practices/) - Here, we will review the historical and financial context of the Dodd-Frank Act, and discuss how its provisions and implementation impact the banking industry.
- [The CEIS Quarterly - Newsletter, Issue 1 Volume 1](https://www.ceisreview.com/the-ceis-quarterly-newsletter-issue-1-volume-1/) - With a new year comes a new format to the content which CEIS Review releases. Going forward CEIS Review will be releasing The CEIS Quarterly Issue 1 Volume 1 newsletter for clients and interested parties. As always, we strive to only release relevant and insightful material that should be of benefit to commercial banking credit/risk
- [The CEIS Quarterly - Newsletter Issue 1, Volume 2](https://www.ceisreview.com/the-ceis-quarterly-newsletter-volume-2-issue-1/) - Q1 2016 CEIS Review The Quarterly Newsletter Understanding an ALLL Validation

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