Credit Management Services is the oldest independent credit review organization in the Western United States. We began in 1976 as Pace and Associates. The business has grown from there, along with our client base. We currently perform credit review services in California, Hawaii, Utah, Texas, Arizona, and Guam. Our clients are over 40 institutions, ranging in size from $200MM to $10B.

If you are looking for a quality advisory partner for your credit portfolio, CMS is your best choice. We focus solely on credit-related work. We do not try to be everything to every client. This specialization has made us the preferred provider for many of your peers. We view each of our clients as partners. We strive to improve their credit processes and keep them up to date with regulatory expectations.

Our credit review process is designed for efficient, effective analysis. The scope of our work gives your company a prudent evaluation of loan quality, documentation, collateral positions, and covenant monitoring. We also assess repayment capacity and identify potential process improvements.

CMS fulfills the Bank's need to conduct ongoing, independent credit review as mandated by Federal and State Regulations.

We would welcome the opportunity to discuss your bank's credit review needs. Please call Mike at (714) 815-3782 for additional information, references, or pricing details.