CEIS Review Inc.

There is "a broader trend in which regulators react much more quickly to any concerns they may have, handing out MOUs like traffic tickets, matters requiring attention (MRAs), matters requiring immediate attention (MRIAs) and downgrading CAMELS ratings instead of giving out warnings" Commercial Real Estate "Community banks should come armed with detailed data and presentations on their CRE books, pointing to aspects such as owner versus non-owner occupied, geographic makeup & property type, Seigel said. Banks should also conduct stress tests on the portfolios" Contact CEIS Review for your CRE portfolio credit evaluation and commercial portfolio stress-testing needs - CRE, C&I, and Construction Projects.

"The Federal Reserve is proactively working with banks to bolster their resilience in preparation for unexpected shocks to the financial system. The Fed is specifically pushing banks to increase their loan loss provisions, Cook said. This includes stress in commercial real estate (CRE)", specifically office & construction exposures. Contact CEIS Review for a granular Loan Review portfolio assessment and Portfolio Stress Testing exercise to appropriately determine adequate loan loss provisions.

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. We at CEIS Review are proud to have conducted billions' worth of commercial due diligence portfolio reviews in just a few years. Our assignments involve a dedicated team of 2 to 10+ professionals, ensuring adequate staffing for a thorough and comprehensive portfolio assessment. 

The CRE construction loan portfolio is considered to be a more risky and volatile segment of the overall commercial loan portfolio. Therefore, due to regulatory scrutiny regarding construction portfolio growth and concentrations, CEIS has taken steps to improve its CRE Construction Stress Testing approach.

CEIS Review shares fourth-quarter portfolio quality data trends along with our market & regulatory observations.

Established in 1989, CEIS Review has been providing industry-leading Commercial Loan Review programs to Financial Institutions for over 30+ years. CEIS Review advises community banks, regional banks, money center banks, international banks, finance companies, and other specialty commercial lending organizations. 

CEIS Review is regularly requested to assess an Institution's Loan Review function to ensure it is operating independently and in accordance with regulatory guidelines while incorporating leading industry best practices. https://lnkd.in/eRJmH8KF

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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 engagements, we identify emerging trends among commercial loan portfolios and provide insights on any heightened regulatory concerns. Contact us to learn more. 888-967-7380 and www.ceisreview.com

US community banks' Q3 loan growth slows  Lower demand reduced median loan growth for banks with less than $10 billion in total assets during the third quarter.