January 12, 2023
By Bill Elliott, CRCM; Director of Compliance Education On September 23, 2022, the United States District Court for the District of Columbia issued an order vacating (cancelling) the 2020 Home...
HomeCategoryUncategorized Archives - Young & Associates, Inc.
December 5, 2022
UncategorizedEnsure You’re Ready for the Upcoming Current Expected Credit Loss (CECL) Implementation Deadline in January 2023
By: Kyle Curtis, Director of Lending Services Note: The Current Expected Credit Loss (CECL) methodology replaces the Allowance for Loan and Lease Losses (ALLL) accounting standard, and all financial institutions,...
December 5, 2022
By: Mike Detrow, CISSP, and Brian Kienzle, CISSP, OSCP Written records are generally more trustworthy than human memory. Examiners and auditors typically take the following stance: if it isn’t formally...
December 5, 2022
By: Donald Stimpert, Consultant and Manager of Secondary Market QC Services As a result of higher mortgage interest rates and inflation continuing to weigh on affordability, Fannie Mae revised downward...
December 5, 2022
By: William J. Showalter, CRCM, CRP, Senior Consultant Now that interest rates are moving up, many bankers are blowing the dust off their adjustable-rate mortgage (ARM) loan offerings. Interest rates...
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...
July 27, 2022
The increasing sophistication of Anti-Money Laundering/Combating the Funding of Terrorism (AML/CFT) software and modeling techniques and the broader application of these models have played an undeniable role in the enhanced...
July 27, 2022
By: William J. Showalter, CRCM, CRP, Senior Consultant In our last issue, we discussed what UDAAP is and how to set up a program in your bank to avoid trouble...
June 1, 2022
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...
March 23, 2022
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...
