We are an independently owned consulting firm serving the needs of the commercial and savings bank communities as well as those of other commercial lending institutions. Our services include commercial loan review, international (off-shore) loan review, portfolio acquisition review, specialty/structured finance loan review, loan loss reserve methodology validation or refinement, loan portfolio stress testing, credit risk management process review, credit loan policy maintenance, loan and credit seminars, and SBA portfolio review. Banks and other lending organizations with an excellent portfolio quality often engage CEIS as a means to maintain the credit standards of their organization. Banks looking to improve the quality of their portfolios will retain CEIS to assist in determining an accurate reading of their risk profile, as well as to provide practical recommendations for its improvement.