Corporate Biographies

President and Chief Executive Officer

Gary J. Young

President and Chief Executive Officer

Gary J. Young is Chief Executive Officer of Young & Associates, Inc. In his 50 years in the banking industry, he has assisted hundreds of community banks from coast-to-coast with improving shareholder value and profit, establishing effective strategic plans, assisting banks through regulatory concerns, as well as budgeting, asset/liability management, expansion planning, and mergers and acquisitions. He remains a student of the industry and is a popular speaker with bankers for his practical and valuable insight. He has conducted seminars throughout the United States and in Europe.

Gary participated in the purchase of the National Bank of St. Anne, and is a member of that bank’s board of directors. In addition, he was the co-founder of Capital Market Securities, Inc., which assists community banks with mergers and acquisitions, and manages a bank investment fund.

President – Capital Market Securities, Inc.

Stephen Clinton

President – Capital Market Securities, Inc.

Steve Clinton has over 30 years of experience in the banking sector and serves as the lead consultant in our capital markets activities. Steve’s experience in the capital markets area expands and enhances Young & Associates, Inc.’s ability to consult and advise our clients in many areas, including market analysis and valuations, strategic and capital planning, and merger and acquisition activity. In addition to his investment banking and consulting activities, Steve also participates in various seminar presentations and contributes regularly to our corporate newsletters.

An investment banker who previously served as a principal with a full-service brokerage firm, Steve served as the Midwest representative for the firm’s financial institutions practice. Steve also served as president of an investment banking firm working primarily with financial institutions in the areas of capital planning, equity offerings, valuations, mergers, and acquisitions. Steve has also worked for several Midwest financial institutions in his career and has served as CEO, COO and CFO.

Executive Vice President

Tommy Troyer

Executive Vice President

Tommy Troyer is the Executive Vice President of Young & Associates, Inc. and manages the company’s lending division. Tommy contributes to capital planning, strategic planning, and other management consulting services. He also continues to focus on topics related to credit risk management, and assists clients with loan reviews, ALLL reviews, credit process reviews, and other lending-related services. Tommy also presents seminars and webinars related to credit risk management.

Tommy joined Young & Associates, Inc. from the Bank Supervision Group at the Federal Reserve Bank of New York, where he focused on credit risk management practices at supervised institutions. His work included a focus on the ALLL, stress testing, and risk monitoring, and reporting practices. Prior to his time in bank supervision, Tommy worked in the Federal Reserve Bank of New York’s Research Group. Tommy holds a B.A. in Economics from Wittenberg University.

Senior Consultant

Kyle Curtis

Senior Consultant

Kyle Curtis has more than 25 years of diverse banking experience in financial reporting, lending, credit administration, and senior executive management positions, including President and CEO, with several mid-sized community banks. He served on the Board and was Chairman of the Arizona Bankers Association. He has also served on the Board of Banker’s Bank of the West in Denver, CO, and the American Bankers Association Community Bankers Group.

At Young & Associates, Inc., Kyle’s time is shared between the lending and management consulting divisions, as well as regulatory order assistance and compliance. He assists banks under regulatory enforcement agreements, and performs management and board of director assessments, loan review and ALLL analysis, and policy implementation.

Senior Consultant and Manager of IT

Mike Detrow, CISSP

Senior Consultant and Manager of IT

Mike Detrow manages the IT functions for Young & Associates, Inc., which include IT consulting services and the company’s internal IT needs. Mike also conducts IT Audits for our banking clients. Mike has served as a network administrator for several community banks in Ohio and North Carolina and most recently served as the Vice President of Information Technology for a community bank in Ohio. In addition, Mike served as an IT Auditor for 7 years. He holds the designation of Certified Information Systems Security Professional (CISSP).

Senior Consultant

Martina S. Dowidchuk

Senior Consultant

Martina S. Dowidchuk manages a wide range of financial management and planning assignments for Young & Associates, Inc.’s clients. Her areas of expertise include bank expansion and financial forecasting, feasibility studies, asset liability management and risk modeling, stress testing, performance analyses, and stock valuations. She also assists clients in the regulatory application processes involving de novo bank charters, mergers and acquisitions, new branch openings, and other strategic initiatives. Martina has over 15 years of experience serving financial institutions and has developed a number of financial models, policies, and other tools for banks and credit unions. Prior to joining Young & Associates, Inc., Martina worked for the Slovak Business and Banking Advisory Center and The Recovery Group, Inc. where she participated in a number of management consulting assignments throughout Central and Western Europe. Martina holds an MBA degree in Finance from Kent State University and a Master’s degree in Corporate Management from the University of Economics in Bratislava, Slovakia.

Senior Consultant and Manager of Compliance

Bill Elliott, CRCM

Senior Consultant and Manager of Compliance

Bill Elliott has over 35 years of banking experience. As a compliance consultant and manager of the compliance division with Young & Associates, Inc., Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews for all areas of compliance, conducting in-house training, and writing compliance articles and training materials. During his career, Bill spent 15 years as a compliance offi cer and CRA officer in a large community bank, and also worked for a large regional bank. He has been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.

Senior Consultant

Bryan Fetty

Senior Consultant

Bryan Fetty brings over 26 years of banking experience to Young & Associates, Inc. A former vice president of a mid-sized community bank, Bryan’s primary expertise is on the operations side. His experience includes bookkeeping and proof operations, teller operations, branch administration, call center, marketing, and training, as well as deposit compliance. At Young & Associates, Inc., Bryan consults with banks on interest rate risk reviews, liquidity planning, and branch feasibility studies, and assists the product division with product development, product maintenance, and field inquiries. In addition, he performs in-bank training, presents seminars, and assists with the development and maintenance of the corporate website.

Senior Consultant

S. Wayne Linder

Senior Consultant

A thirty-year banking veteran, Wayne Linder was formerly the CEO of a community bank. As a Senior Consultant with Young & Associates, Inc., Wayne works as a lending and management consultant. He performs loan reviews, assists financial institutions under regulatory enforcement agreements, and develops and implements written policies throughout all areas of the financial institution.

Senior Consultant

William J. Showalter, CRCM, CRP

Senior Consultant

William J. Showalter is a senior consultant with Young & Associates, Inc. Bringing more than 25 years of compliance consulting experience to the company, Bill advises financial institutions on consumer compliance, assists them in establishing compliance management systems, monitors regulatory developments, and responds to clients’ daily compliance questions.  He also develops and conducts compliance training programs for individual banks and their trade associations.

Prior to joining Young & Associates, Inc., Bill worked as a compliance consultant with a  nationally known consulting firm, where he evaluated compliance systems and management at numerous banks and thrifts; developed compliance policies and procedures for numerous financial institutions, including several Internet start-ups; advised thrift institutions facing mandatory reimbursement based on violations to the Truth in Lending law; assisted banks in verifying favorable regulatory interpretations with appropriate supervisory agencies to assure compliance and minimize risk of enforcement action; wrote or co-wrote numerous compliance articles and several nationally known compliance publications; and designed and conducted compliance seminars for numerous state bankers’ associations, savings institution leagues, regional trade groups, individual banks, and regulatory agencies. Bill was formerly a banker with two community banks, one an affiliate of a multibillion-dollar bank holding company. He served as each bank’s compliance officer, where he developed and directed a comprehensive compliance program and performed lending responsibilities in mortgage, consumer, and commercial credit.

Senior Consultant

Jerry Sutherin

Senior Consultant

With over 28 years in the financial services industry, Jerry Sutherin is part of Young & Associates, Inc.’s Lending and Loan Review Division where he provides community banks throughout the region and the U.S. with third-party loan review, lending policies and procedures, loan portfolio due diligence, and ALLL Review services. Prior to joining Young & Associates, Inc., Jerry worked in varying capacities ranging from supervising an Asset Quality/Loan Review function at a large regional bank, to managing a $2.5 billion loan portfolio responsible for loan performance, credit quality, and departmental efficiency. Jerry has earned a National Loan Review Certification from the Bank Administration Institute, and graduated with Honors from the Stonier Graduate School of Banking, as well as other post-graduate degrees, including a Bachelors of Business Administration Finance degree from Kent State University and a Masters of Business Administration (MBA) from the University of Steubenville.

Senior Consultant

Robert L. Viering

Senior Consultant

Bob brings over 30 years of banking experience to Young & Associates, Inc. He is a senior consultant in the company’s lending division, where he concentrates primarily on loan review. In addition, he also assists clients with process and operational improvements and provides consulting on credit policies. Prior to joining Young & Associates, Inc., Bob was a de novo bank organizer and CEO, market president, and regional credit officer with large and regional banks. He has extensive experience in credit underwriting and management of all types of loans including commercial, agricultural, and consumer. In addition, he has provided expert witness reports for bank lending issues for both state and federal courts. Bob has also been an interim chief lending officer for a troubled bank that was successfully turned around, has been an advisor for de novo bank formation, bank mergers and acquisitions, including merger integration, and credit process improvement, ALLL management, and successful hands-on management of both formal and informal regulatory agreements. He is a graduate of the University of Illinois, the National Commercial Lending School, and the American Management Association’s Executive Effectiveness program.

Senior Consultant

Adam Witmer, CRCM

Senior Consultant

Adam Witmer is a Senior Consultant with Young & Associates, Inc. where he focuses on regulatory compliance. Adam is a popular speaker who tries to make compliance fun by providing real life stories that apply to the topic at hand. He conducts seminars for state banking associations throughout the United States, provides in-bank training for clients, delivers keynote speeches, and conducts compliance webinars. In addition to compliance education, Adam serves client banks in the Midwest through consulting and by writing articles for various publications. Prior to joining Young & Associates, Inc., Adam served as an offi cer and the Director of Compliance for a multi-bank holding company. He has held the titles of Compliance Officer, BSA Officer, and CRA Officer for multiple banks, and has experience in the areas of internal audit, deposit and loan operations, retail banking, and secondary market lending. He holds the designation of Certifi ed Regulatory Compliance Manager (CRCM) by the Institute of Certified Bankers in Washington, D.C. Adam earned a BA in Business Administration from Taylor University and an MBA in Management and Human Resources from Indiana Tech.

Dee Bedell, CRMA, CRCM, CFE, CAMS

Consultant

Dee Bedell works as a compliance and internal audit consultant for Young & Associates, Inc. She brings to the company over 35 years of industry experience, all in community banks. Her prior experience includes working as a bank teller, internal audit officer, security officer (information, physical and loss prevention), and compliance officer, including BSA and CRA, and in-house compliance trainer. Dee has earned the industry certifications of CRMA (Certification in Risk Management Assurance), CRCM (Certified Regulatory Compliance Manager), CFE (Certified Fraud Examiner), and CAMS (Certified Anti-Money Laundering Specialist).

Karen S. Clower, CRCM

Consultant and Compliance Operations Manager

Karen Clower is a compliance consultant and the compliance operations manager at Young & Associates, Inc. Her primary responsibilities include new client inquires and engagement letters, scheduling of compliance contracts, answering compliance hotline calls, and compliance field work. Her prior banking experience includes 19 years working for a large community bank where she managed the mortgage lending department, including processing, underwriting, and the mortgage loan officers.  She has also worked as a mortgage loan officer and credit analyst/account offi cer for commercial lending. Karen holds a BA in Business Management from Hiram College, and associate degrees in Banking and Finance and Business Management from Kent State University and is a Certified Regulatory Compliance Manager.

Michelle R. Graber, CRCM

Consultant

Michelle Graber has over 24 years of community banking experience. As a compliance consultant at Young & Associates, Inc. she specializes in all areas of regulatory compliance, where she conducts compliance reviews, facilitates compliance seminars and workshops, and responds to client inquiries and compliance issues. During her career, Michelle spent 13 years as a compliance officer and CRA officer for a small community bank. She has been a lender for consumer, commercial, and mortgage loans, and has served as branch manager for numerous branch locations, including branch administration and development. Michelle holds a BA in Public Relations from the University of Toledo and is a Certified Regulatory Compliance Manager.

Mary Green

Consultant

Mary Green is a compliance consultant with Young & Associates, Inc. Her primary focus at the company is BSA and compliance reviews for client banks. Mary has over 35 years in community banking and has worked in various areas of the industry including retail, lending, BSA and compliance. Her experience includes bookkeeping, customer service, branch manager, business development offi cer, mortgage officer, and AVP of banking, as well as BSA and Compliance Officer.  Most recently, Mary served for eight years as an executive officer and the Director of Compliance for a multi-bank holding company in the Midwest. She enjoys working closely with fellow bankers to assist them in enhancing their processes and providing tools to strengthen their programs.

Sharon Jeffries

Human Resources Manager

Sharon Jeffries brings to Young & Associates, Inc. over 20 years of experience and expertise in the area of Human Resources Management. Her experience and expertise is broad and covers the following areas: employment law, employee relations and problem resolution, recruitment and hiring, labor relations, compensation and benefits, onboarding, employee satisfaction and retention, policy development, and employee communications. She has developed, communicated, and administered human resources policies, served as a resource and counseled employees and management on human relations issues, including ADA, FMLA, harassment, EEO, performance, and termination. She has also developed and managed human resource programs designed to help companies attract, motivate, and retain a highly skilled workforce.

Sharon is currently involved in the oversight and administration of the human resources efforts for Young & Associates, Inc. In addition, she can provide expertise to financial institutions in all areas of human resources management, including offering solutions related to balancing the business needs of the financial institution with the needs of the employees. She also assists clients with executive searches and interim management staffing needs.

Brian Kienzle, CISSP, OSCP

Consultant

Brian Kienzle is an Information Technology Consultant with Young & Associates, Inc. Brian brings over ten years of professional experience in IT, from system and network administration and policy development, to programming and scripting in several languages. He assists financial institutions primarily in the areas of risk management, information technology audit, policy review and development, network penetration testing, and social engineering testing. Prior to joining Young & Associates, Inc., Brian was the IT Administrator for a wholesale alarm monitoring company. He holds the designation of Certified Information Systems Security Professional (CISSP) and Offensive Security Certified Professional (OSCP).

Terri A. Klemann

Consultant

Terri A. Klemann is a compliance consultant with Young & Associates, Inc. She has been in banking for 16 years and has worked exclusively with community banks of all sizes. Terri specializes in Bank Secrecy Act compliance, front-line operations, privacy, deposit compliance, and customer service issues, and has a broad knowledge base of many other compliance-related issues. At Young & Associates, Inc., Terri enjoys presenting in-bank BSA training, as well as conducting BSA seminars for tellers, customer service representatives, and other front-line personnel. She has presented seminars for various trade associations regarding new rules and regulations. Terri also performs BSA and deposit compliance reviews and assists client banks with policy development.

Neil Koher, CISSP

Consultant

Neil Koher is an Information Technology Consultant with Young & Associates, Inc. Neil has over ten years of combined professional experience across several areas of operational business security, including risk management, business continuity, and environmental physical security assessments and design, as well as system and network administration and policy development. As part of Young & Associates, Inc.’s Information Technology Audit Team, Neil assists financial institutions primarily in the areas of risk management, information technology audit, policy review and development, network penetration testing, and social engineering testing. Prior to joining Young & Associates, Inc., Neil was part of a security firm management team, where he focused on the design, training, and implementation of best practice business security solutions for organizations requiring moderate to high levels of security, and for those that were required to meet specific performance benchmarks in accordance with their organization’s policies and regulatory requirements. Neil holds the designation of Certified Information Systems Security Professional (CISSP).

Michael Lehr

Human Resources and Sales Consultant

Mike Lehr brings to Young & Associates over twenty years of practical application of HR principles. At Young & Associates, Inc., Mike assists client banks with not only the more compliance-oriented aspects of human resources, but also with the implementation of those aspects that will directly impact bank profitability and standing in the community. His financial services experience includes five years at a national insurance/investment firm and thirteen years at a large regional bank where he helped develop the infrastructure to define, reward, manage, and coach a more revenue-oriented banker. He also developed an expertise in the training and coaching of soft skills in a variety of disciplines including the management of cross-selling and product rollouts.

Aaron Lewis

Consultant

Aaron Lewis is a consultant in the lending division of Young and Associates, Inc. As a consultant Aaron assists client banks by performing loan review. In addition to loan review, he has performed reviews in lending compliance and quality control. Prior to joining Young and Associates, Inc. he was employed by a community bank in southeast Michigan for eleven years. While at the bank, he worked his way through various facets of the operation from front-line customer service to branch management and finally as Vice President, Credit Administrator. He has secondary market, compliance, and asset quality experience. Aaron holds a B.A. in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.

Jeanette L. McKeever, CCBIA

Consultant and Manager of Internal Audit Operations

At Young & Associates, Inc., Jeanette is primarily involved with managing and delivering internal audit services, to include assessing controls and risk within organizational and operational audits and process reviews. She also provides lending and selective compliance services, including loan reviews, appraisal reviews, fair lending reviews, SAFE ACT reviews, and HMDA-LAR reviews. Her prior industry experience includes teller work, private banking services, and lending in both the credit union and community bank environments. Jeanette has served as a managing loan officer in both residential and consumer lending departments; in those capacities, she served as chief lending officer, performing loan processor and officer training and addressing policy and lending manual revisions. She is also experienced in residential real estate, title closings, and bookkeeping/ accounting. Jeanette earned the Certified Community Bank Internal Auditor (CCBIA) designation through Independent Community Bankers Association (ICBA).

Barbara A. McKenzie

Consultant

Barbara McKenzie brings to Young & Associates, Inc. over 27 years of banking experience, 23 years of which are in the compliance field. At Young & Associates, Barbara is a member of the Compliance Division, where she focuses primarily on in-bank compliance reviews. Her primary strengths include the consumer lending regulations, HMDA, and CRA. Prior to working at Young & Associates, Barbara worked at a large community bank, where she served on the compliance audit team and as a Compliance/CRA Officer.

Dale Neiss, CRCM

Consultant

Dale Neiss is a compliance consultant with Young & Associates, Inc. With over 30 years of banking experience in Denver, CO, Dale has developed and implemented compliance management systems, loan review and community reinvestment act (CRA) programs, and enterprise risk management (ERM) framework for multiple banks. He has held the titles of Compliance and Loan Review Manager, BSA and CRA Officer, and Enterprise Risk Management Director. Prior to his Denver, CO banking experience, Dale began his banking career with the Office of the Comptroller of the Currency in Indianapolis, IN as an associate national bank examiner. At Young & Associates, Inc., he provides consulting and training, as well as writes articles and compliance manuals. He holds the designation of Certified Regulatory Compliance Manager (CRCM) by the Institute of Certified Bankers in Washington, D.C. Dale earned a Bachelor of Business Administration degree in Finance and Management from Kent State University.

Lindsay J. Nunn

Consultant

Lindsay Nunn is a compliance consultant with Young & Associates, Inc., primarily serving client banks in the Midwest. Lindsay performs in-bank compliance reviews and consulting, conducts in-house compliance training, and serves as a compliance officer for several mid-size community banks with branching networks. Prior to joining Young & Associates, Inc., Lindsay worked for 12 years as an associate for a bank consulting company specializing in consumer compliance for community banks, and 25 years as Compliance Officer, Community Reinvestment Officer, Vice President of Loan Administration for commercial and consumer loan departments, and Mortgage and Consumer Loan Officer, as well as Internal Auditor for a mid-size community bank in the Midwest. She has held the titles of Compliance Officer, CRA Officer, Vice President Loan Administration, and Internal Auditor, and has extensive experience in the areas of compliance, training, internal audit, privacy, deposit and loan operations, retail banking, and secondary market lending. Lindsay is a graduate of the BAI School of Banking in Madison, Wisconsin in the area of Community Bank Management. She earned a BS in Finance and Law with a concentration in Business Administration from Illinois State University.

Debra Werschey

Consultant and Manager of Secondary Market Services

Debra Werschey has over 30 years of experience working in the banking industry. Her banking experience includes processing, closing, post-closing, and escrow of mortgage loans for community and national banks. As Manager of Secondary Market Services, Debra performs quality control reviews of retail mortgage loans, including APR audits, ensuring that secondary market underwriting guidelines and other investor guidelines are maintained. She also assists the lending division with appraisal reviews and commercial, mortgage, and consumer loan reviews, evaluating the quality of existing credits for various financial institutions.