Employment

Opportunities with Young & Associates, Inc.
Young & Associates is a highly regarded team of management professionals who provide consulting, outsourcing, and educational services to community financial institutions nationwide and overseas. In 40+ years, we have grown and expanded our product and service offerings to include all of the major areas of financial institutions, including risk management, capital planning, strategic planning, mergers and acquisitions, branching and expansion, loan review, marketing, compliance and information technology. Through affiliations with state and national banking associations, we also provide educational seminars and training to more than 3,000 bankers each year.

 

Secondary Market/Quality Control Associate

Currently, we are seeking an energetic self-starter within our Secondary Market/Quality Control Department to provide administrative support to our Secondary Market Services Department

Primary Responsibilities:

      1. Assist with on-site and off-site quality control reviews, due diligence reviews, and loan officer audits. This includes the analysis of origination and closing documents and compliance disclosures for timeliness, completeness, and accuracy.
      2. Review the approval of the loan to assure completion prior to closings.
      3. Ensure that the re-verification process is completed timely, and any questions or discrepancies brought to the attention of the consultant.
      4. Initiate second requests withing 2-3 weeks for re-verifications that have not yet returned.
      5. Re-underwriting of residential loans using documented income and debts and comparing the results to the Automated Underwriting findings. Also, conduct review of Automated Underwriting findings for data integrity (DU/LP System).
      6. At the completion of the above-mentioned processes, forward to clients all work papers, credit reports, copies of returned re-verifications, and APR’s.
      7. Track receipt of files, first and second mailings of re-verification requests, field reviews and new credit reports.
      8. Filing and photocopying of documents.
      9. Other administrative and support duties as assigned.

Skills Required:

      • Communication
      • Organizational
      • Detail-Oriented
      • Proficiency in Microsoft Office
      • Knowledge of mortgage documentation is a plus

We offer a competitive compensation and benefits package that includes competitive base pay, benefits including health care and a Company match 401K, paid vacation and personal time, and student loan payback program.

We are an Equal Opportunity Employer. (EOE)

 

Credit / Lending / Loan Review Consultant

Currently, we have an opening within our Lending Division for an individual to provide consulting services to our financial services clients relating to all aspects of credit risk management, but concentrated in commercial loan review.

The selected individual’s primary responsibilities will include:

          • Performing commercial real estate, C&I, and agricultural loan reviews analyzing loan documentation, financial information, and credit analysis in order to evaluate and effectively summarize the risk of the reviewed credit or credit relationship,
          • Assessing the effectiveness of a client bank’s credit process including both underwriting and ongoing risk management activities, and
          • Reaching and supporting appropriate conclusions and providing valuable feedback to clients based on observations from a loan review.

Secondary responsibilities may include (dependent upon the candidate’s experience level and client need):

          • Loan review of residential real estate and consumer loans,
          • ALLL method reviews, appraisal reviews, and reviews of a client’s credit administrative processes,
          • Developing and / or presenting educational / training materials (seminars or webinars) related to credit risk management and related topics, and
          • Developing or updating lending-related products and policies.

Note: Loan reviews will be conducted both on-site (at the client’s offices) and off-site (at the employee’s home office).

Experience Level:

          • Ability to immediately lead loan review engagements or shortly thereafter,
          • Ability to immediately manage client relationships,
          • Broad-based knowledge of financial institutions and strong familiarity with principles of credit analysis,
          • Will consider a minimum of 5 years of experience in commercial and/or agricultural lending, commercial credit analysis, loan review, or examination of commercial lending functions. 10 or more years of experience is preferred.
          • Experience evaluating and spreading financial statements,
          • Intermediate PC / Microsoft Office skills,
          • Strong written and verbal communication skills,
          • Ability to work in a team environment / strong interpersonal skills; and
          • Ability to meet travel requirements.

Our needs are for an experienced individual for this unique opportunity. We will provide the flexibility and equipment to work remotely, preferably from a home office in the Midwest (Ohio, Indiana, Illinois, Michigan), which will enable us to easily service our clients in these areas. We will consider individuals in the surrounding regions to the Midwest also.

In addition, if you are an experienced individual looking for temporary work in this field, we periodically seek independent contractors to cover our peak workloads, the second half of the calendar year.

Travel Requirements:

Candidate’s ability to travel up to 50% over the course of the year is required, with the heaviest travel time being the second half of the year. A typical week of travel includes three to four overnight stays. Modes of travel will include both air and ground travel. NOTE: lesser travel is occurring due to COVID 19 and more remote work.

We offer a competitive compensation and benefits package that includes base salary and bonus incentives, business referral program, benefits including health care and a Company match 401K, paid vacation and personal time, and student loan payback program.

To apply, submit your resume (in a Word / PDF format only) to recruiter@younginc.com and attach a completed Lending Questionnaire that can be obtained on our website:

Lending Questionnaire

Candidates that do not submit a completed questionnaire will not be given further consideration.

We are an Equal Opportunity Employer. (EOE)

 

Bank President / Community Bank / North Central Ohio

Young & Associates, Inc. is assisting a financially solid community bank in North Central Ohio in seeking a strong leader with proven Strategic Planning skills to help position the organization for their future growth focused strategies. Preferred individuals will possess mortgage lending skills and knowledge of bond portfolio management. Individual must also possess a strong knowledge of banking regulations, risk management, compliance, and information technology.

If you would like to be considered for this unique opportunity, email Sharon Jeffries (sjeffries@younginc.com) and provide a copy of your current CV.

 

Lending / Loan Review – Consultant / Senior Consultant

Currently, we have two openings within our Lending Division for individuals to provide consulting services to our community bank clients relating to all aspects of credit risk management, but concentrated in commercial loan review.

The selected individual’s primary responsibilities will include:

          • Performing commercial real estate, C&I, and agricultural loan reviews analyzing loan documentation, financial information, and credit analysis in order to evaluate and effectively summarize the risk of the reviewed credit or credit relationship,
          • Assessing the effectiveness of a client bank’s credit process including both underwriting and ongoing risk management activities, and
          • Reaching and supporting appropriate conclusions and providing valuable feedback to clients based on observations from a loan review.

Secondary responsibilities may include (dependent upon the candidate’s experience level and client
need):

          • Loan review of residential real estate and consumer loans,
          • ALLL method reviews, appraisal reviews, and reviews of a client’s credit administrative processes,
          • Developing and / or presenting educational / training materials (seminars or webinars) related to credit risk management and related topics, and
          • Developing or updating lending-related products and policies.

Note: Loan reviews will be conducted both on-site (at the client’s offices) and off-site (at the employee’s home office).

 

Experience Levels Considered:

Senior Consultant

          • Ability to immediately lead loan review engagements,
          • Ability to immediately manage client relationships,
          • Broad-based knowledge of banking and strong familiarity with principles of credit analysis,
          • Minimum of 8 to 10 years of experience in commercial and/or agricultural lending, commercial credit analysis, loan review, or examination of commercial lending functions,
          • Possess prior experience interacting with all levels of senior management,
          • Experience evaluating and spreading financial statements,
          • Intermediate to advanced PC / Microsoft Office skills,
          • Strong written and verbal communication skills,
          • Ability to work in a team environment / strong interpersonal skills, and
          • Ability to meet travel requirements.

Consultant

          • Broad-based knowledge of banking and strong familiarity with principles of credit analysis,
          • Minimum 3 to 5 years of experience in commercial lending, commercial credit analysis, loan review, or examination of commercial lending functions,
          • Experience evaluating and spreading financial statements,
          • Intermediate PC / Microsoft Office skills,
          • Strong written and verbal communication skills,
          • Ability to work in a team environment / strong interpersonal skills; and
          • Ability to meet travel requirements.

Our needs are for experienced candidates for these unique opportunities. Our expectations are to provide  the flexibility and equipment to work remotely, preferably from a home office in the Midwest (Ohio, Indiana, Illinois, Michigan), which will enable us to easily service clients in these areas. Additionally, if you are an experienced individual looking for temporary work in this field, we periodically seek  independent contractors to cover our peak workloads, the second half of the calendar year.

Travel Requirements:

Candidate’s ability to travel up to 50% over the course of the year is required, with the heaviest travel time being the second half of the year. A typical week of travel includes three to four overnight stays. Modes of travel will include both air and ground travel. NOTE: lesser travel is occurring due to COVID 19 and more remote work.

We offer a competitive compensation and benefits package that includes base salary and bonus incentives, business referral program, benefits including health care and a Company match 401K, paid vacation and personal time, and student loan payback program.

To apply, submit your resume (in a Word / PDF format only) to recruiter@younginc.com and attach a completed Lending Questionnaire that can be obtained on our website:

Lending Questionnaire

Candidates that do not submit a completed questionnaire will not be given further consideration.

 

Lending / Loan Review – Independent Contractor(s)

We periodically seek individuals interested in part-time project / independent contractor work to supplement our existing full-time workforce in the area of providing loan review services to our client banks. These project individuals will work primarily during our peak workloads, which typically occur during the second half of the calendar year.

To be considered for this type of work, the individual must possess:

          • Broad-based knowledge of banking and strong familiarity with principles of credit analysis,
          • Minimum 15+ years of experience in commercial lending, commercial credit analysis, loan review, or examination of commercial lending functions,
          • Experience evaluating and spreading financial statements,
          • Intermediate PC/Microsoft Office skills,
          • Ability to work in a team environment,
          • Ability to travel overnight as needed. Travel requirements can fluctuate during peak workload, and will include up to 3-4 nights per week, depending on the client location, and
          • As the majority of our loan review clients are in the Midwest, the interested individual will preferably reside in the Midwest to limit travel time and expense. An initial visit to our corporate office in Kent, OH will be required.

We will provide a daily rate, travel reimbursement, and flexible scheduling. Many of the individuals who have worked in this type of arrangement are retired banking professionals, with experience in the above noted areas. If you are interested in being considered for this type of unique opportunity, submit your resume (in a Word / PDF format only) and a completed Lending Questionnaire (obtained by clicking here) to recruiter@younginc.com.

 

 

We are an Equal Opportunity Employer. (EOE)

 

Opportunities with Clients

There are no opportunities available at this time.