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Bank management must satisfy many different constituents, including the board of directors, bank staff, regulators, shareholders, and bank customers. Young & Associates' management services are designed to meet the challenges and solve the problems you face in managing a strong, profitable bank. For more information on our Management Services, give us a call at 1.800.525.9775 or click here to send an E-mail. |
| Using a field-tested and regulator-approved methodology, Young & Associates, Inc. has been successfully involved in over 25 bank turn-arounds and regulatory actions. Our method is customized to the specific needs of your bank and incorporates industry and regulatory standards with management expertise. Return to Top |
| Using our Asset/Liability & Profit Planning System™, we will work with you to project detailed earnings with summary projections through 10 years and test those results against various interest rate scenarios. These "what if " capabilities allow you to plan for the future and effectively manage interest rate sensitivity and overall profit planning, both short-term and long-term. Return to Top |
| An important way to increase the bottom line is to evaluate the bank's operating efficiency and cost-effectiveness. Young & Associates will conduct a detailed on-site assessment of the bank and provide recommendations on how to improve internal operations to improve the bottom line. Return to Top |
| Management succession is one of the most difficult processes to complete in any institution. An outside opinion brings objectivity and rationality to a process that can be both painful and very personal. Young & Associates will assist the bank throughout this process so that management succession meets the needs of management, the board of directors, and, most importantly, the bank. Return to Top |
| Every bank faces changes in management from time to time due to retirements, incapacitation, new opportunities, or just unsatisfactory performance. As a result of our many years of working with community banks all over the country, Young & Associates, Inc. has developed a wide network of industry contacts. We maintain a current database of available banking executives with differing areas of expertise and a variety of experience levels, and can help you secure qualified applicants that fit your bank’s needs and requirements. Return to Top |
Bank directors play an active role in the management of community financial institutions. Young & Associates' director services are designed to help your bank's directors meet their responsibilities as well as meet the needs of management and, most importantly, the bank. For more information on how Young & Associates can assist your bank with its marketing activities, call Gary Young at 1-800-525-9775 or click here to send an email. Return to Top |
| Bank directors play an active role in the management of community financial institutions. Young & Associates' director services are designed to help your bank's directors meet their responsibilities as well as meet the needs of management and, most importantly, the bank. Return to Top |
| Director succession is one of the most difficult processes to complete in any institution. An outside opinion brings objectivity and rationality to a process that can be both painful and very personal. Young & Associates will assist the bank throughout this process so that director succession meets the needs of management, the board of directors, and, most importantly, the bank. Return to Top |
Changing conditions in the financial services industry have made it necessary for community banks to rethink the products and services they currently offer, develop new products, and capitalize on their strengths - namely their ability to provide superior service to their customers. Young & Associates, Inc. is experienced in a wide range of market analysis and planning activities for the community bank. For more information on how Young & Associates can assist your bank with its marketing activities, call Bill Gaidis at 1-800-525-9775 or click here to send an email. |
| In today's competitive environment, banks that are successful at officer calling and in-bank cross-selling improve their chances of achieving long-term goals. Young & Associates can assist you by providing the sales training, support materials, organizational structure, goal-setting procedures, sales incentive system, and other tools you need to implement a successful sales culture in your bank. More than just sales training, you get a comprehensive sales "system" customized to your bank's specific needs, products, and services that you can administer over the long run. Return to Top |
| Young & Associates, Inc. has full-service quantitative and qualitative research capabilities. Our market research and analysis team will profile your service area in terms of customer characteristics, market growth, share trends, competitors, and consumer opinions and preferences about financial services. This information will enable you to make sound marketing decisions and take advantage of market opportunities. This information is also helpful in meeting the needs assessment requirements of CRA. Return to Top |
| Young & Associates can develop a special promotion for your new branch. We can create advertising, point of sale material, direct mail, product specials, press releases, and a grand opening celebration event that will help your new branch build a customer base as rapidly as possible. Return to Top |
| Product development includes the development and introduction of new products, as well as packaging existing products to meet the changing needs of customers as they move through the various stages of their lives. Young & Associates can make recommendations on product pricing. These recommendations are based on the rate structure of the bank's markets, the status of net interest margin, the economic impact of gaining or losing funding and loans at different rates, and different strategies to boost fee income. We can also develop advertising and promotion programs to bring these products to market. Return to Top |
| Promotions have proven to be an effective means of generating excitement, goodwill, and increased account activity. Whether you want to celebrate an anniversary or branch opening, target specific accounts, or just create goodwill, Young & Associates will design and administer a successful, cost-effective promotion that meets your bank's objectives and budget. Return to Top |
| To function effectively and profitably in today's competitive environment, the right marketing plan is a necessity. We at Young & Associates will work with you in developing a marketing program that will meet your bank's strategic objectives for growth and profitability. We have full-service capabilities for implementing the program and tracking its effectiveness. Return to Top |
The Human Resources field is becoming broader and deeper everyday. Ensuring community banks derive benefits from this discipline that exceed costs is challenging. It’s not just about compliance, regulations, and practices anymore but the transference of these into hard dollars in the form of increased income, decreased expenses, and maximized profits. At Young & Associates, we have the extensive practical experience to help you realize a solid return on the time, money, and effort you invest in Human Resources. For more information on Young & Associates' Human Resource Services, call Michael Lehr at 1-800-525-9775 or click here to send an email. Return to Top |
| Do you know what the important HR policies and procedures are for your bank’s operation? Are they adequately defined and documented? Without clarity and specificity, training efforts and field application drive up costs. We can help you clarify what’s important, distill it into effective steps, and develop practical policies and procedures for your bank. Return to Top |
| Are you following your policies and procedures? Often, people only think of ensuring that their documents comply with Federal requirements; however, lax adherence to them – regardless of their Federal implications – can constrain an employer’s relations with its employees. We can help you assess the adherence to your various policies to make sure what’s on paper reflects reality. Return to Top |
| Do your employees know what your practices are? It doesn’t pay to document them if your people don’t have the materials and training to put them into practice. We can assist in the communication and training of HR policies and procedures especially for supervisors and managers. Return to Top |
| How do you administer your HR Department? How do you manage it to maximize its contribution to the financial statement? Increasingly, HR is seen as the department that supports, and in some cases drives, culture change. We can assess, recommend, and advise you on maximizing HR as a driving, profitable force in your bank. Return to Top |
| If you are seeking some way to comprehensively review your HR practices without incurring a huge expense, an introductory HR audit could very well be the solution for you. We can do a cursory audit that will identify priorities for advancing your HR Department. Return to Top |
Maintaining an adequate level of liquidity depends on the institution’s ability to efficiently meet both expected and unexpected cash flows and collateral needs without adversely affecting either daily operations or the financial conditions of the bank. Young & Associates, Inc. can assist you in different areas of the liquidity planning process. For more information on how Young & Associates, Inc. can help you with your liquidity planning, please call 1.800.525.9775 or click here to send an email. Return to Top |
| We can help you define general liquidity strategies, policies, procedures, and liquidity metrics that match the bank’s business plan and its risk profile. Return to Top |
| We can assist in the process of developing procedures for addressing liquidity shortfalls in emergency situations. Our customized contingency funding plan will identify potential stress events, define relevant early warning indicators and parameters for liquidity stress testing, identify alternative sources of funds and funding strategies, define lines of responsibility and communication, and establish a detailed crisis action plan. Return to Top |
| We can assist in developing quantitative cash flow forecasts and performing various liquidity analyses, including providing estimates regarding the bank’s anticipated funding needs and the available funding sources over time, monitoring cash flow gaps, measuring primary liquidity position and availability of contingent liquidity, as well as monitoring dynamic cash flow ratios, funding concentrations and other liquidity metrics. We can also assist in performing liquidity stress tests, including identification of various stress constraints, analysis of potential funding erosion in a stress situation, impact of stress on the availability of contingent funding, and the primary liquidity position of the bank. Our assistance includes guidance for keeping the analyses up-to-date and a development of a customized Excel model available to the bank for future use. Return to Top |
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Young & Associates, Inc.
PO Box 711 • 121 East Main Street • Kent, OH 44240
800.525.9775