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CEIS Review has been an important part of Enterprise Bank’s commercial lending review function since 2010 when the Bank made the decision to move its third party review services from the firm that we’d used since the Bank’s inception in 1989 to CEIS Review after a thorough search of area firms providing such services. From the very beginning, Enterprise has been impressed with the experience and professionalism of all of the people at CEIS that we’ve come in contact with. Reviews here are conducted on a timely basis twice a year by review staff that offers large or regional bank commercial lending or loan review experience. The level of staff expertise has proven to be helpful on many occasions as Enterprise Bank continues to grow its portfolio and moves into other types of loans. As an example, Enterprise recently booked its first highly leveraged loan transaction. CEIS provided appropriate feedback and copies of recent regulatory guidance on such transactions to be sure that this new type of loan is being properly underwritten and monitored. We consider CEIS Review to be a valued partner in the Bank’s growth and in monitoring that portfolio credit quality is maintained.

Bank Contact,
Credit Director & Senior Vice President

Due Diligence Portfolio Acquisition Review

CEIS reviews loan portfolios targeted for acquisition. The review request is given a high priority within the CEIS schedule and a team is assembled for a quick turnaround time for the loan portfolio due diligence assignment.

We realize that in today’s environment it is critical to understand the underlying credit quality of a portfolio as well as whether the reserves are adequate for the target portfolio before an agreement can be reached. Fully understanding these components assists organizations in determining appropriate pricing as well as whether the credit risks of the transaction are tolerable.

Whether considering the purchase of an entire institution or simply a few loans, it is critical to objectively determine the inherent credit risk that you could be boarding onto your balance sheet.

The due diligence loan portfolio acquisition review will assess the sufficiency and reliability of the credit risk rating system, loan approval and monitoring, effectiveness of credit and loan administration, and adequacy of the loan loss reserve. The report will detail the findings of the review, including a summary of observations and conclusions supported by a written report on each loan reviewed.

Contact CEIS Review today and we will reach out to discuss how our proven Due Diligence Portfolio Acquisition Review services may be of assistance to your organization.