Employment

Opportunities with Young & Associates, Inc.
Young & Associates, Inc. is a progressive team of management consultants and support staff dedicated to the success of financial institutions by providing consulting, outsourcing, and educational services to community financial institutions nationwide and overseas.  Since our founding in 1978, we have grown and expanded our product and service offerings to include all the major areas of banking, such as risk management, capital planning, strategic planning, mergers and acquisitions, internal audit, branching and expansion, loan review, IT, and regulatory compliance.  Through affiliations with state and national banking associations, we also provide educational seminars and training to more than 3,000 bankers each year, and offer a variety of products specifically designed for the community bank – developed by bankers for bankers.

 

Manager of Quality Control/Secondary Market Services

Organizational Relationship
Position Reports To: Director – Lending
Reporting Directly to This Position: QC Assistant(s)

Primary Objective

    Primary responsibilities include oversight and management of the Quality Control (QC) department, which includes the function as well as the staff. This position is responsible for generating new business (business development) as well as securing business through alternate methods (marketing, referrals, etc.) to meet the financial budgets/goals of the department. The QC manager provides expertise to clients in the area of secondary market services through the management and coordination of quality control reviews. This is a working manager position with the majority of time devoted to performing QC reviews and writing reports.

Principal Duties and End Results

  1. Research and interpret all secondary market underwriting guidelines and compliance regulations.
  2. Develop, update, and maintain the QC Policy and Procedures Plan and the Company’s QC Products Policy.
  3. Conduct onsite/offsite quality control reviews to ensure investment quality. This sometimes includes denied and/or early payment default loans.
  4. Evaluate and coordinate with third-party vendors to order credit reports, field review appraisals, VOD’s, and VOE’s.
  5. Audit appraisals to ensure compliance with secondary market guidelines.
  6. Respond to written and/or verbal requests/ inquiries from current or perspective clients with a high level of customer service and creativity, managing the client relationships, drafting and executing engagement letters
  7. Assist in the development of division budgets
  8. Compile and prepare detailed, executive level reporting of QC findings and defect trends.
  9. Track and execute all billing for third party vendors and for services rendered.
  10. Argue against and respond to reverse audits from clients as required by secondary market guidelines.
  11. Provide total oversight and management of the QC function at Y&A and direct management of QC staff. Ensure staff is informed and trained regarding regulatory changes and updates.

Supplemental Information

    Position requires thorough knowledge of secondary mortgage market guidelines. Experience in all aspects of lending would be beneficial; experience in loan operations (mortgage) is required. Strong management and organizational skills are required. Position frequently requires the ability to exercise independent discretion/judgment. Some local travel is required to client banks. Travel up to 20% per month.

 

Bank IT Auditor / Consultant

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 banking, 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.

Currently, we have an opening in our Technology Division for an individual to provide consulting services to our community bank clients.

The selected individual’s primary responsibilities will include:

  • Performing IT Audits based on the FFIEC’s Information Technology Examination Procedures
  • Providing consulting services to assist clients with the development of risk assessments and policies
  • Social engineering testing via phone and email
  • Network vulnerability assessments
  • Network penetration testing

The preferred candidate for this position will meet the following requirements:

  • Possess a CISSP or a CISA credential;
  • Minimum 5 years of combined experience in at least 2 of the following IT areas:
    • Network Administration
    • Information Security
    • Risk Management
    • Business Continuity / Disaster Recovery
    • Physical Security
  • Experience with vulnerability scanners and penetration testing tools such as:
    • Nessus
    • Nmap
    • Metasploit
    • Burp / ZAP
    • John / Hashcat / Hydra
  • Linux experience
  • Advanced PC / Microsoft Office skills,
  • Strong written and verbal communication skills,
  • Excellent attention to detail,
  • Ability to work in a team environment as well as independently; and;
  • Possess ability to travel approximately 50% over the course of the year. When traveling, a typical week includes two overnight stays.
  • Operations experience in a financial institution is a plus.

Additional information:

  • For an experienced individual, we are open to establishing a home office opportunity providing your area of residence is located in an area that supports our existing client base or expands our geographic footprint in the area of financial institution IT Audits. Our current IT Audit business is located primarily in the Midwest. Our corporate office is based in Kent, Ohio.
  • We offer a competitive compensation and benefits package that includes base salary and bonus incentives, benefits including health care and 401K match, paid vacation, personal time, and student loan pay down.
  • To apply, submit your resume (in a Word/PDF format only) and a completed IT Questionnaire (obtained on our website: https://www.younginc.com/employment/Candidate_Questionnaire_IT_1_2020.doc to recruiter@younginc.com)

We are an Equal Opportunity Employer. (EOE)

 

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 approximately 50-60% 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.

We offer a competitive compensation and benefits package that includes base salary and bonus incentives, benefits including health care and 401K, paid vacation, and personal time.

To apply, submit your resume (in a Word / PDF format only) and a completed Lending Questionnaire (obtained by clicking here) to recruiter@younginc.com.

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.