Capital Market Consultant Biographies

Director of Management Services

Martina S. Dowidchuk

Director of Management Services

Martina S. Dowidchuk manages a wide range of financial management and planning assignments for Young & Associates, Inc.’s clients. With over 20 years of experience as an advisor to executive management teams and Boards of Directors in the banking industry, she helps clients with producing information essential to managing growth, profitability and shareholder value while maintaining safe and sound operations. Her areas of expertise include business planning, financial analytics and financial forecasting, stock valuations, asset liability management and risk modeling, stress testing and contingency planning, as well as branch expansion and market feasibility studies. She also assists clients in the business planning and regulatory application processes involving de novo bank charters, mergers and acquisitions, and new branch openings. Martina has developed a variety of customized financial models, analytical methodologies, policies, and other tools for bank clients supporting their strategic-decision-making processes and compliance requirements. Prior to joining Young & Associates, Inc., Martina worked for the Slovak Business and Banking Advisory Center and The Recovery Group, Inc. where she participated in a number of management consulting assignments throughout Central and Western Europe. Martina holds an MBA degree in Finance from Kent State University and a Master’s degree in Corporate Management from the University of Economics in Bratislava, Slovakia.