On Liberty, Limited Government, and Bank Supervision by Brandon Milhorn CSBS President and CEO at The Community Banking Research Conference St. Louis, Missouri October 7, 2025 One of my favorite periods of history is the American Revolution. It fascinates me. The confluence of events, ideas, leaders, and pure luck that led an ill-organized, agrarian collective of states to declare their

Safety and Soundness Certification Certified Examiner-in-Charge (CEIC) The CEIC certification is step 3 in the CSBS bank safety and soundness credentialing program. Candidates for the CEIC designation must provide evidence of the following: Completion of three (3) years employment with a state regulatory agency, including a minimum of one (1) year of on-the-job service and training as an examiner-in-charge. Satisfactory

Safety and Soundness Certification Certified Operations Examiner (COE) The COE certification is step 1 in the CSBS bank safety and soundness credentialing program. Candidates for the COE designation must provide evidence of the following: Completion of a minimum of twelve (12) months of on-the-job service and training related to financial institution regulation and supervision. Satisfactory completion of the following course

Safety and Soundness Certification Certified Credit Examiner (CCE) The CCE certification is step 2 in the CSBS bank safety and soundness credentialing program. Candidates for the CCE designation must provide evidence of the following: Completion of two (2) years employment with a state regulatory agency, including a minimum of one (1) year of on-the-job service and training related to financial

Safety and Soundness Certification Certified Large Institution Examiner (CLIE) Candidates for the CLIE designation must provide evidence of the following: Expected to have skills and experience associated with CEIC level or equivalent. Senior examiner experience aligned with skills for large bank specialties considered on a case-by-case basis. Training should include large bank focused course, including training from FDIC, FRB, FFIEC

Safety and Soundness Certification Certified Senior Bank Examiner (CSBE) The CSBE certification is step 4 in the CSBS bank safety and soundness credentialing program for those without managerial and/or supervisory responsibilities. Candidates for the CSBE designation must provide evidence of the following: Completion of a minimum of five (5) years employment with a state regulatory agency, including two (2) years

Safety and Soundness Certification Certified Examinations Manager (CEM) The CEM certification is step 4 in the CSBS bank safety and soundness credentialing program for those who have managerial and/or supervisory responsibilities. Candidates for the CEM designation must provide evidence of the following: Completion of a minimum of five (5) years employment with a state regulatory agency including one (1) year

Mortgage Certification Certified Mortgage Examiner (CME) CME is step 1 in the CSBS mortgage credentialing program; CSME is step 2 and CMEM is step 3 Objectives of the CME Certification Program: To achieve recognition of the foundational skill level required for the examination and review of mortgage providers for compliance with state and federal laws and regulations, including those related

Mortgage Certification Certified Senior Mortgage Examiner (CSME) CSME is step 2 in the CSBS mortgage credentialing program; CME is step 1 and CMEM is step 3 Objectives of the CSME Certification Program To recognize the advanced skill level required for the examination and investigation of large, complex, and multistate mortgage providers and their compliance with state and federal laws and