HomeCategoryUncategorized Archives - Young & Associates, Inc.

June 1, 2022
Young & Associates Introduces Y&A Credit Services, LLC

We are proud to introduce a new line of business through an affiliated organization of Young & Associates, Inc.: Y&A Credit Services, LLC. Y&A Credit Services is a full-service provider of outsourced underwriting and credit services and offers various commercial underwriting and credit services such as: Commercial Credit Underwriting and Credit Approval Presentations Annual Underwriting...

March 23, 2022
Annual Reviews of Commercial Credits

What is the overall condition of your commercial loan portfolio? Do you focus on net charge-offs? Delinquencies? Financial statement exceptions to policy? Number and level of TDRs and non-accruals? The percent of the ALLL to total loans? While all of these broad measures can be helpful, the number and nature of grade changes coming from...

March 23, 2022

We are pleased to announce that Dave Dalessandro has returned to Young & Associates as a Senior Consultant, where he concentrates on lending consulting and education. Dave brings over 34 years of banking, regulatory, and industry experience to the company. Building on financial and tax basics from an accounting degree at Penn State and work...

March 23, 2022

There is risk in every aspect of the banking industry and the regulatory environment seems to continually change. As to the governance and control functions of the industry, it may be refreshing to the board of directors, audit committee, and executive management to have their internal audit function re-assessed and validated though a fresh set...

March 23, 2022

The Consumer Financial Protection Bureau (CFPB) celebrated Halloween in 2012 by releasing its updated Supervision and Examination Manual (version 2.0). The manual includes updated examination procedures for assessing compliance with Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) rules. The updated examination procedures give bankers a guide for what their examiners will be looking for...

March 23, 2022

Don Stimpert has joined Young & Associates, Inc. as a Consultant and Manager of Secondary Market QC Services. Having over 38 years of experience in the banking and finance industry, Don recently joined the company and manages the day-to-day operations of the quality control department and performs post-closing audits, including APR audits, ensuring that secondary...

April 9, 2021

By: Bob Viering, Director of Management April 2021 The Covid-19 pandemic brought M&A activity for community banks and credit unions to a halt in 2020. All expectations for 2021 are that M&A activity is likely to pick up significantly. Much of this activity is due to organizations that had planned to sell or start acquiring...

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