Y&A Credit Services, a full-service provider of outsourced underwriting services and credit analysis, announced the launch of its asset-based lending (ABL) field exam services. The service is designed to help financial institutions confidently manage asset-based lending relationships, strengthen risk management practices, and support portfolio growth with experienced, independent field exam expertise. 

“Asset-based lending can create valuable growth opportunities for community financial institutions, but it also requires a disciplined approach to collateral monitoring and risk management,” said Oliver Sutherin, principal of Y&A Credit Services. “Our ABL Field Exam Services are designed to give lenders greater visibility into collateral quality, borrower operations, and portfolio risk so they can make informed decisions with confidence. We strive to help institutions grow strategically while maintaining strong credit administration practices.” 

Each field exam may include: 

• Verification and analysis of accounts receivable — aging schedules, eligibility testing, dilution trends, and concentration risk across the borrower’s customer base  

• Inventory testing and valuation review — roll-forward analysis, eligibility criteria, obsolescence exposure, and physical verification against reported values  

• Borrowing base validation — reconciliation of the calculated base to loan balances, confirming advance rates and eligible collateral are applied correctly  

• Collateral monitoring assessments — UCC filing and lien priority review, insurance coverage confirmation, and ongoing collateral adequacy relative to outstanding advances  

• Review of operational controls and reporting practices — evaluation of cash receipts handling, AP aging integrity, and the borrower’s internal reporting discipline 

• Identification of risk trends, reporting inconsistencies, and exceptions — financial trend analysis, GL tie-out testing, and documented exceptions with recommended remediation  

• Independent reporting for lending and credit administration teams — a structured exam summary covering scope, findings, and risk conclusions to support credit decisioning 

The new offering aligns with Y&A Credit Services’ broader mission of helping community financial institutions improve operational efficiency, overcome staffing challenges, and enhance credit risk management through outsourced expertise. With the addition of ABL field exam services, Y&A Credit Services now offers a comprehensive suite of commercial credit support services, including underwriting package reviews, annual underwriting reviews, financial statement spreading and analysis, and credit administration support. 

To support its ABL field examination services, Y&A Credit Services employs credit analysts who have earned Commercial Banking & Credit Analyst certifications from the Corporate Finance Institute® (CFI). Their training strengthens their expertise in financial modeling, loan security analysis, and industry analysis for ABL field examinations. 

ABL field exam services are available now. To learn more, visit Y&A Credit Services or call 1-800-525-9775. 

About Y&A Credit Services

Y&A Credit Services provides commercial underwriting and specialty credit services to financial institutions nationwide. Founded in 2022, Y&A Credit Services operates as an independent entity while delivering the same expertise, service, and integrity associated with Young & Associates. Both organizations help financial institutions navigate regulatory challenges and position themselves for growth. 

Learn more at Y&A Credit Services.