CEIS Review has a prestigious presence in the realm of
loan review sector, professionally catering to leading commercial and savings
banks since 1989. The company prides itself for possessing a fleet of veteran
lenders with commendable expertise and experience under their belts. These
seasoned loan review consultants are
at the helm of tailoring and implementing loan review programs for banks.
The consultants have served in the capacity of senior
or executive level management in the domains of money market,
regional banks, community banks, and commercial finance companies. This robust
and relevant background renders the CEIS Review team highly competent to carry
out the entire array of loan review procedures involving review, establishing
and validating loan loss reserve methodology, portfolio stress testing,
maintaining credit loan policy, issuing advisories on problem loans and conducting
loan related seminars.
The consultants independently review the credit
standards of banks for accurately assessing the risk profile and provide
practical recommendations to improve the quality of portfolios. The grading
process will be completely executed in an unbiased, unprejudiced and rational
manner. The loan review consultants tailor
the program to suit client’s requirements and extensively use software for
error free evaluation.
CEIS Review carries out
review for client over a span of one year and appraises around 75% of average
outstanding loans and letters of credit. Data and remarks are updated regarding
the actions initiated for previously criticized and classified loans at each
scheduled review. The consultants also critically examine newly criticized or
classified loans, delinquencies, non-accruals, restructured transactions, new and
renewed commitments which have surfaced since their last review visit.
Comprehensive assessment is undertaken to check the sufficiency of allowances
set aside for loan and lease losses, lending policies and procedures of the
banks.
The company is equipped with
contemporary resources and boasts of imposing infrastructure to offer least
turnaround time. The consultants also discuss with the account officers before
arriving at the final conclusion. The discussions pertain to final grade
determination. The discussion schedule is flexible and time efficient to offer
least interruption to regular jobs.
Once the review has been
satisfactorily conducted, appropriate management is apprised of orally the
findings of the assessment. Any unsorted differences, open items, or
observations relating to lending and administrative process are also discussed.
The detailed report is submitted to bank after the draft has been thoroughly
scrutinized by CEIS office. If any material development of interest takes
place, the information regarding the same is accommodated in the final report.
Final report is prepared and presented within four weeks of wrapping up onsite
review. It carries an executive summary
of findings along with recommendations pertaining to overall
credit and loan portfolio management, portfolio quality and a detailed write-up
on each loan reviewed.
CEIS loan review consultants
can be hired at very competitive fees. The fee is finalized based on the
overall engagement's goals, and in consideration of the potential overall
relationship. Undoubtedly, CEIS Review Loan Review service is a superlative and
all encompassing program available to commercial lending institutions.
Find
more information to http://www.ceisreview.com/
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