July 27, 2022
By: Ollie Sutherin, Principal, Y&A Credit Services The focus of this article is to provide an overview of what Y&A Credit Services, LLC views as key elements during the underwriting...
HomeCategoryLending Archives - Young & Associates, Inc.
November 1, 2022
View and download the Young & Associates 2023 Rescission Reference Chart to assist your lenders in preparing the Notice of Right to Cancel. Please forward this document to someone in...
November 30, 2021
View and download the Young & Associates 2022 Rescission Reference Chart to assist your lenders in preparing the Notice of Right to Cancel. Please forward this document to someone in...
November 2, 2021
By: William J. Showalter, CRCM, CRP, Senior Consultant We have been dealing with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) since 2010, and yet questions surface...
June 2, 2021
For years banks have had pandemic policies, but never really thought the day would come when it would represent more than another examiner-required policy. Then came COVID-19, and in a matter of days, our world changed.
October 6, 2020
By William J. Showalter, CRCM, CRP, Senior Consultant Adjustable-rate mortgages (ARM) have not been much of an issue for many banks and thrifts in recent years since fixed rates have...
October 5, 2020
ComplianceLendingInformation TechnologyManagementOff-Site Reviews, Virtual/Teleconference Training, and Management Consulting Support
Young & Associates, Inc. remains 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...
April 1, 2020
LendingLoan Modifications: A Proactive Approach for Working with Borrowers Impacted by Coronavirus (COVID-19), Guided by Recently Issued Interagency Statement
By: Bob Viering, Director of Lending, and Aaron Lewis, Director of Lending Education, Young & Associates, Inc., March 25, 2020 On March 22, 2020, the federal banking regulators issued an...
March 6, 2020
Effective risk control requires conducting periodic independent reviews of the risk management process and validation of the risk measurement systems to ensure their integrity, accuracy, and reasonableness. To meet the...
March 6, 2020
CRE Stress Testing is widely viewed by bankers and bank regulators as a valuable risk management tool that will assist management and the board of directors with its efforts to...
