Audit / Review Services

Audit / Review

As we approach the end of 2020, Young & Associates would like to ensure that you are covered for your audit/review needs for 2021.

Young & Associates, Inc. offers a wide variety of Audit/Review Services. We remain committed to keeping our employees, clients, and partners safe and healthy during the COVID-19 pandemic. During this difficult and unprecedented time, we have continued to successfully leverage technology to fulfill our commitments to our clients through secure remote access for reviews, virtual/teleconference training, and other management consulting support. We see this ability as a win-win for everyone – the review and training get completed in a timely manner and the bank avoids paying travel expenses. Concerned about security, please be assured that we use the latest secure technology.


  • Capital Planning
  • Stock Valuations
  • IRR Reviews
  • Liquidity Reviews
  • Model Back-Testing/Validations
Martina Dowidchuk

Email Martina.

Strategic Planning

  • Strategic Planning
Bob Viering

Email Bob


  • Compliance Review
  • Compliance Risk Assessment
  • Compliance Management Review/Assessment
  • BSA/AML, Fair Lending, HMDA, UDAAP, Safe Act Review
  • Fair Lending Risk Assessment
Karen Clower

Email Karen


  • Third-Party Loan Review
  • Credit Process Analysis
  • ALLL Review
  • CRE Stress Testing
  • Agricultural Stress Testing
  • Policy Review
Bob Viering

Email Bob

Appraisal Review

  • Commercial
  • Residential
  • Ag
Kyle Curtis

Email Kyle

Quality Control

  • Residential Mortgage Quality Control Review
  • Due Diligence Review
  • Early Payment Default Review
  • FHA Branch Audit
  • FHA / VA Denied Loan Review
Ollie Sutherin

Email Ollie

Internal Audit

  • Branch, Deposit, Loan, Wire Transfer, and Electronic Banking Operations
  • Funds Management (including Investments)
  • Bank Owned Life Insurance (BOLI)
  • Human Resource (limited) Payroll Processing
  • Operational Risk Assessments and Audit Plan Development
Jeanette McKeever

Email Jeanette

Information Technology

  • IT Audit
  • Social Engineering (Phishing, Pretext Testing)
  • Vulnerability Testing and Penetration Testing
Mike Detrow

Email Mike

Human Resources

  • HR Audit
  • ADA Website Compliance
  • Compensation Risk Assessment
  • Pay/Staffing Studies
Mike Lehr

Email Mike

Training / Education

  • Compliance (Bill Elliott)
  • Lending (Aaron Lewis)
Bill Elliott

Email Bill
Aaron Lewis

Email Aaron

Why Choose Young & Associates, Inc

Young & Associates’ consultants provide a level of expertise gathered over 42 years. In our consulting engagements, we closely monitor the regulatory environment and best practices in the industry, develop customized solutions to our clients’ needs, and prepare detailed and timely audit reports to ease implementation moving forward. With backgrounds and experience in virtually all areas of banking, our consultants bring a broad knowledge base to each client relationship. Many of our consultants and trainers have come to the company directly from positions in financial institutions or regulatory agencies where they worked to resolve many of the issues that our clients face daily.

Thank you for your consideration. We welcome the opportunity to work with you in 2021 and beyond. For more information on any of these Audit/Review Services, contact the consultant listed above or visit