Lending Consultant Biographies

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.

David Dalessandro

Senior Consultant

David Dalessandro brings over 30 years of banking, regulatory, and industry experience to Young and Associates, Inc. Building on financial and tax basics from an accounting degree at Penn State and work at large and regional accounting firms, David has focused on detecting and resolving problem commercial loans, including workout, legal, and documentation strategies. He has specialized in improving loan and credit administration functions where financial institutions were under an increased level of regulatory scrutiny. Most recently, David served as Chief Credit Officer of a $1B community bank in Northeast Ohio. Prior to that, he served as Credit Audit Director for a large regional bank where he was responsible for the credit risk management auditing for $35 billion of commercial credit. He was also responsible for all commercial and credit activities as a Senior Vice President for a number of community banks, and has developed and delivered training for the Federal Reserve Bank of Cleveland, the Federal Reserve Board in Washington, DC, and the Ohio Society of CPA’s. He has also been an Accounting instructor for Kent State University, East Liverpool and Ashtabula campuses. David has been awarded Examiner status with the Federal Reserve Bank of Cleveland and Certified Public Accountant (inactive) by the Pennsylvania Institute of CPA’s.

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

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.

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.

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.