Appraisal Management

CES seamlessly integrates into the fabric of your daily banking operations and eliminates the need to develop an in-house appraisal management program (as required under federal and state regulations). We act as your Virtual Appraisal Department™” for all of your real estate due diligence needs or we simply plug in where you need us. Regardless of how we serve you, CES can save you money and help ensure you are always operating in compliance with regulatory guidelines.

Why Us?

Obviously, we work hard to ensure that all of appraisals or evaluations are performed accurately and fully compliant, but what makes us better than other appraisal management companies?

  • CES provides instant structure for compliance in the appraisal, evaluation, order, and review process.
  • Our team of administrators, evaluators, appraisers, review appraisers, and chief appraisers are the best in the business.
  • Each team member recieves continual education and training that supplements their already unequaled professional qualifications.
  • We stay on top of industry theory, methodology and regulatory guidelines.

CES is recognized by regulators and current users of their services as “best in class.”. The extra effort put forth on every assignment results in the very best due diligence possible on every assignment.

 To whom it may concern:

 I am pleased to recommend the appraisal management services of Collateral Evaluation Services (“CES”).

 I have utilized CES as the virtual appraisal department of three banks for which I have served asChief Credit Officer over the last eight years. During this time, CES has consistently demonstrated a commitment to providing the highest quality collateral valuation products and services in a timely manner. Larry Woodall and his team always make themselves available to our bankers and credit risk managers to help them with their real estate valuation needs.

 I rely on their guidance when it comes to the proper approach to an appraisal problem and what is required to maintain regulatory compliance. CES has also taken the time to review and provide guidance on our appraisal policies and procedures. I never worry about our ability to exceed regulatory standards in these important aspects of our business.

In my opinion, we are better commercial real estate credit risk managers at Peoples Security Bank & Trust Company because of our relationship with CES. Please feel free to contact me should you have any questions.


Timothy H. Kirtley
Executive Vice President, Chief Credit Officer
Peoples Security Bank & Trust Company
150 North Washington Avenue
Scranton, PA 18503

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