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.

 

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 10 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.

Consultant

  • Broad-based knowledge of banking and strong familiarity with principles of credit analysis,
  • Minimum 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 highly 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. 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 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 overnight stays.

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.