Corporate Biographies

President and CEO

Jerry Sutherin

President and CEO

With over 30 years in the financial services industry, Jerry Sutherin is President and CEO of Young & Associates, Inc. Jerry purchased Young & Associates, Inc. in February 2018 and manages the company’s day-to-day operations and corporate planning. He is also part of the company’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.

Chief Operating Officer

Michael Gerbick

Chief Operating Officer

Michael Gerbick brings to Young & Associates, Inc. over 10 years of domestic and international experience in project management, business partner integration, systems implementation, business system integration, and business process re-design. He is currently responsible for all accounting functions, identification and implementation of internal process improvements, and productivity enabling systems for Young & Associates, Inc. In addition, he can provide expertise to financial institutions in project management and systems integration.

Michael’s education and experience have contributed to successfully leading projects that included diverse functional IT and consulting teams. Prior to joining Young & Associates, Inc., he was part of a cross-functional systems implementation team where he advanced from technical expert to leading global implementation projects. Michael’s educational achievements include BA and MBA from Kent State University.

Karen S. Clower, CRCM

Director of Compliance

Karen Clower is a Consultant and and the Director of Compliance 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.

Director of Lending Services

Kyle Curtis

Director of Lending Services

Kyle Curtis has more than 30 years of diverse banking experience in financial reporting, lending, credit authority and administration, and senior level management positions, including CFO and CCO as well as 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. Kyle is a graduate of the Graduate School of Banking at the University of Colorado, and Arizona State University. As a Senior Consultant at Young & Associates, Inc., his time is shared between the lending and management consulting divisions, as well as regulatory compliance and policy development. He advises numerous clients on a variety of regulatory and compliance matters, including enterprise risk and credit management issues, financial and risk management assessments. He assists banks under regulatory enforcement agreements, and performs management and board of director assessments, appraisal reviews, loan review and ALLL analysis methodology, loan portfolio stress testing, and policy development and implementation.

Director of Information Technology Audit/Information Technology

Mike Detrow, CISSP

Director of Information Technology Audit/Information Technology

Mike Detrow manages the IT functions for Young & Associates, Inc., which include IT consulting services and the company’s internal IT needs. Mike performs IT Audits and IT Consulting services for our clients. He began his banking career in 2000 and started performing IT Audits for financial institutions in 2005. 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. He holds the designation of Certified Information Systems Security Professional (CISSP).

Director of Management Services

Martina S. Dowidchuk

Director of Management Services

Martina S. Dowidchuk manages a wide range of financial management and planning assignments for Young & Associates, Inc.’s clients. With over 20 years of experience as an advisor to executive management teams and Boards of Directors in the banking industry, she helps clients with producing information essential to managing growth, profitability and shareholder value while maintaining safe and sound operations. Her areas of expertise include business planning, financial analytics and financial forecasting, stock valuations, asset liability management and risk modeling, stress testing and contingency planning, as well as branch expansion and market feasibility studies. She also assists clients in the business planning and regulatory application processes involving de novo bank charters, mergers and acquisitions, and new branch openings. Martina has developed a variety of customized financial models, analytical methodologies, policies, and other tools for bank clients supporting their strategic-decision-making processes and compliance requirements. 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.

Director of Compliance Education

Bill Elliott, CRCM

Director of Compliance Education

Bill Elliott has over 40 years of banking experience. As a Senior Consultant and Director of  Compliance Education at 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 officer 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.

Director of Lending Education

Aaron Lewis

Director of Lending Education

Aaron Lewis has more than 15 years of experience in the banking industry. A majority of his time is dedicated to the lending division of Young & Associates, Inc., assisting client banks with loan reviews, ALLL reviews, policy reviews, and credit process reviews. Aaron also assists the compliance division by contributing to various regulatory compliance reviews. In addition to review work, Aaron conducts seminars covering various credit risk and compliance topics.

Prior to joining Young & Associates, Inc. Aaron was the Vice President Credit Administrator of a community bank in southeast Michigan. During his time at the bank, Aaron managed all facets of the lending function including originations, underwriting, ALLL analysis, servicing, and secondary market compliance. 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

Director of Internal Audit

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 is involved in providing trust, 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. Jeanette’s experience totals 17 years in the banking and consulting industry. 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).

David A. Reno

Director – Lending and Business Development

Dave Reno is a career-long community banker, having begun work as a bank management trainee in 1983. His focus at Young & Associates, Inc. is in all areas of credit and lending, as well as in sourcing new relationships with prospective clients while deepening our partnership with existing clients. Dave has served as the Chief Credit and Chief Lending Officer in community banks in the upper Midwest, Southwest, and Southeast. As a result of his work in some of those institutions where his expertise was needed to remediate regulatory agency required corrective actions, he possesses a superior reputation with a nationwide variety of bank regulatory agencies. As a senior executive in banks from $50MM to $500MM, he has become intimately knowledgeable of successful banking strategies and tactics, deepened his commitment to customer service, and remained steadfast in the need for compliant processes with exceptional attention to detail. In his various roles, Dave has actively participated in numerous community and educational non-profit organizations to further their mission and out of regard for his own commitment to giving back to local communities. He is a strong supporter of the role that community financial institutions play in their neighborhoods and the financial services industry, and he is passionately committed to assisting them in achieving long-term sustainability of their institutions and the contributions they make to the communities they serve. Dave is a graduate of Duquesne University in Pittsburgh, PA with a Bachelor of Science in Business Administration and a Master of Business Administration in Finance, Dave also graduated from the Graduate School of Banking at the University of Wisconsin at Madison.

Director of Lending

Robert L. Viering

Director of Lending

Bob brings over 30 years of banking experience to Young & Associates, Inc. where he concentrates primarily on loan review and credit-related support for clients, as well as assisting in management consulting. 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.

Michelle R. Graber, CRCM

Senior Consultant

Michelle Graber has over 24 years of community banking experience. As a 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. Prior to joining Young & Associates, Inc., Michelle spent 19 years as a compliance officer at two community banks. She has served as CRA Officer, 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.

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.



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).

Sharon Bond, CRCM


Sharon Bond is a Consultant in the compliance department at Young & Associates, Inc. where she specializes in consumer compliance. Sharon 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. With over 30 years of industry experience, she has a strong background in mortgage lending and in federal consumer compliance laws and regulations. Sharon was an Associate National Bank Examiner with the Office of the Comptroller of the Currency (OCC) for five years. She holds the designation of Certified Regulatory Compliance Manager (CRCM) and the Six Sigma Qualtec Black Belt certifications.

Christopher Elliott


Chris Elliott has been with Young & Associates, Inc. since 2011. His primary responsibilities include all areas of loan review, including acting as Lead Consultant, a loan review consultant, interacting with client banks prior to and after onsite visits, and preparing loan review management reports. Chris also serves as a trainer to others at Young & Associates, Inc. regarding loan review responsibilities. Chris also conducts BSA and consumer compliance reviews for client banks. His prior work experience includes work as a Financial Advisor at Ameriprise Financial. He studied Business and Finance at The Ohio State University and Youngstown State University.

Mary Green, CAFP


Mary Green is a 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 officer, 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. Mary has earned the industry designation of Certified AML and Fraud Professional (CAFP).

Rene Hayek, CIA, CISA and CFE

IT Auditor and Consultant

Rene Hayek has more than 10 years of experience in internal audit, with expertise in auditing and risk analysis of financial, operational, and IT processes for banking, manufacturing, and other leading service sectors. At Young & Associates, Inc., Rene performs IT audits and IT consulting services for our clients. Prior to joining the company, Rene worked as a senior lead for Quality Review Assurance program at a large regional bank evaluating the design effectiveness of internal controls for banking processes for risk exposure/impact of controls. Rene is a graduate of Kent State University and currently holds the Certification for Internal Auditor (CIA), Certification Information Systems Auditor (CISA), and Certified Fraud Examiner (CFE).

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.

Ben Kalie


Ben Kalie is a Consultant with Young & Associates, Inc. and has concentrated his efforts on loan reviews within our lending department for over 5 years. Prior to joining Young & Associates, Inc., Ben held prior management positions in the areas of banking and manufacturing. He spent 14 years as an Asset Control Manager for a community bank, with management experience in loan review, credit management, legal issues, sale of REO, collections, and foreclosures. In addition, Ben spent 14 years as the Risk Manager for a manufacturing and distribution company where his responsibilities included cash management, business interruption management, insurance procurement and risk analysis, workers compensation management, and all identified risk-related projects. Ben’s educational achievements include a BA from Edinboro University and a MBA from Gannon University.

Terri A. Klemann


Terri A. Klemann is a Consultant with Young & Associates, Inc. She has been in banking for more than 24 years and has worked exclusively with community banks of all sizes. Terri specializes in Bank Secrecy Act compliance, front-line operations, privacy, deposit compliance, identity theft, security and robbery, and customer service issues, and has a broad knowledge base of other compliance-related issues. Terri frequently presents in-bank BSA employee and board member training. She also leads BSA seminars for directors and board members, BSA officers, managers, customer service representatives, and tellers. She has presented seminars for various trade associations with topics including developing and auditing Bank Secrecy Act/Anti-Money Laundering (BSA/AML) programs, BSA/AML for new and experienced frontline employees, identity theft, and security and robbery, as well as addressing new rules and trends. At Young & Associates, Terri performs BSA and deposit regulation compliance reviews, authors compliance articles for the monthly Compliance Update newsletter, and assists client banks with policy development.

Michael Lehr

Human Resources and Sales Consultant

Mike Lehr brings to Young & Associates, Inc. over 27 years of practical application of HR principles by integrating his extensive sales and sales management experience into the discipline. In addition to the more compliance and defense-oriented aspects of human resources, Mike provides tremendous assistance in offensive areas such as revenue growth, profitability, marketing, and community outreach. Mike’s financial experience includes five years with a national insurance/investment firm and 13 with a large regional bank, which tapped into his sales experience by having him serve as an internal advisor of sales management to bank executives, a trainer of management and revenue growth techniques to bank employees, and a subject manager expert to technology integrations and product rollouts.

Patrick Lilly


Patrick Lilly has more than 40 years of experience in the banking and credit union industries. Most of that time was associated with loan production and loan production management. His lending expertise runs the gamut from consumer, commercial, construction, and municipal, as well as all manner of government guaranteed lending, structuring, underwriting, and sales production management. In addition, Pat has over 25 years of involvement in branch management, branch administration, new market, and M&A experience that gives him a unique perspective on the independent community bank and credit union industries.

Pat holds certificates in Financial Counseling, Banking Compliance, and Personnel Management from Arizona State University, the Notre Dame Center for Continuing Education, and Credit Union National Association. He has been an elected local government official, has chaired a redevelopment agency and municipal economic development corporations, and has sat on numerous boards of charities and local government service districts.

Barbara A. McKenzie


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


Dale Neiss is a 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.

Casey Simpson


Casey Simpson is a Consultant in the lending division at Young & Associates, Inc. She is a licensed real estate appraiser and has been involved in the appraisal industry since 2003. At Young & Associates, Inc., Casey performs technical and compliance reviews of all residential property appraisals. She is available to the lender at all times with residential appraisal related concerns and provides each lender with a detailed report, outlining the adequacy of each appraisal based on regulatory requirements. Prior to joining Young & Associates, Inc., Casey worked in real estate sales and as an independent fee appraiser for many years. In addition, she has worked for several appraisal management companies, focusing on residential appraisal review and collateral review consulting. Casey holds a Bachelor’s of Science degree in education from Kent State University.

Ollie Sutherin

Consultant and Manager of Secondary Market QC Services

Ollie Sutherin is a Consultant and the Manager of Secondary Market QC Services at Young & Associates, Inc. In this capacity, he manages the day-to-day operations of the quality control department, in addition to performing post-closing audits, including APR audits, ensuring that secondary market underwriting guidelines and other investor guidelines are maintained. Prior to this, Ollie held the role of Manager of Lending Administration at Young & Associates, Inc., where he was responsible for organizing and ensuring efficient and effective execution of commercial loan reviews. He also actively participated in loan reviews as an Associate Consultant. Prior to joining Young & Associates, Inc., Ollie spent two years as a Credit Analyst for a regional bank in West Virginia where he was primarily responsible for underwriting commercial transactions. Ollie earned a Bachelor’s degree in Economics from West Virginia University and a Master of Business Administration degree with a concentration in Management from Marshall University.

Debra Werschey


Debra L. Werschey brings to Young & Associates, Inc. 18 years in the banking industry. Her banking experience includes processing, closing, post-closing, and escrow of mortgage loans for community and national banks. Debra has been with Young & Associates, Inc. for 15 years, spending the last 8 years in the position of Manager of QC Secondary Market Services. She has semi-retired to QC Consultant where she performs quality control reviews of retail mortgage loans, including APR audits, ensuring that secondary market underwriting guidelines and other investor guidelines are maintained.