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CEIS Review’s Loan Review Program has been an instrumental part of our Credit Risk Management effort at ConnectOne Bank for the past 3 years. Working with CEIS Review has allowed us to more effectively manage credit risk and ensure quality standards are being met. CEIS has done an excellent job of bringing their market knowledge to our bank, recommending best practices, and identifying examiners’ focus in upcoming exams. Furthermore, they have worked with us to stay ahead of the turbulent regulatory environment in order to avoid potential problems. CEIS Review has become more of a partner to our organization rather than a vendor, one that can understand our fast-paced culture and work with us to accommodate our needs. We have great confidence in their commitment to maintaining a high level of industry and regulatory knowledge and loan review services.

Frank S. Sorrentino III,
Chairman, President & CEO

Credit Risk Process Review

CEIS evaluates specific processes within the Bank’s credit risk management framework, and provides an overall assessment of credit-related processes for credit review and problem loan management. Clients often seek this assistance when preparing for a regulatory examination or in response to an examination to ensure that internal processes meet regulatory requirements and incorporate industry “best practices.”

Examples of the credit risk process review include:

  • Forensic reviews to identify underlying causes associated with specific loan losses;
  • Assessment of a bank’s internal loan review function, including evaluations of the function’s independence, coverage, effectiveness, and staffing (quality and quantity);
  • Validation of the use of the risk rating system;
  • Review of policies / processes associated with specific types of lending (asset based, construction, etc.);
  • Review of progress in addressing regulatory Matters Requiring Attention;
  • Review of policies and processes associated with identification of Troubled Debt Restructures (TDRs);
  • Review of the overall credit / credit administration process.

These credit process reviews can be performed on a standalone basis or combined with a CEIS loan review engagement.

Contact us to see how our customized Process Review services may be of assistance to your organization.