By: Mike Lehr, Human Resources Consultant When clients see adverse impacts in their Affirmative Action Plans (AAP), it is not unusual for them to say, “So Mike, does this mean I have to hire more females and minorities?” This is the wrong question. It should be, “How do we look into this more?” AAPs are...
Home2016February 2016 - Young & Associates, Inc.
By: Bill Elliott, CRCM, Senior Consultant and Manager of Compliance When I was working in a bank, we had a conference room available for meetings for up to about 10 people. As with most institutions, there was always a battle regarding who could use the room when, as there was only the one room for...
By: Mike Detrow, Senior Consultant and Manager of IT Financial institutions have begun the process of completing the Cybersecurity Assessment Tool provided by the FFIEC and some are struggling to complete it accurately. In this article, I will discuss the process for using the tool, as well as some of our observations from the review...
By: Steve Clinton, President, Capital Market Securities, Inc. We are now approaching seven years since the Great Recession. While the economic recovery has been slow, it has lasted much longer than a typical recovery. The average recovery, since the end of World War II, had been 58 months. The longest recovery on record was the...
By: Gary J. Young, President and CEO The need for community banks to complete a Capital Plan has intensified since the Office of the Comptroller of the Currency issued guidance which closely corresponds with the manner in which the FDIC and Federal Reserve assess capital adequacy according to information in their examiner’s handbook. The concept...
By: Tommy Troyer, Senior Consultant and Loan Review Manager Over the last several months, it has become increasingly difficult to miss the fact that the federal regulatory agencies (the FDIC, Federal Reserve, and OCC) believe that credit risk is on the rise across the banking industry and particularly within Commercial Real Estate (CRE) portfolios. While...
