Lending, Loan Review, De Novo Charter, and M&A Services

Ensuring Compliance and Mitigating Risk

Struggling to maintain the quality of your loan portfolio while meeting increasing regulatory demands? Is your financial institution positioned for growth? In a rapidly shifting and consolidating industry, banks and credit unions need trusted expertise to achieve their plans for expansion. Inadequate loan reviews can lead to missed risks, compliance issues, and financial instability. At Young & Associates, we help you proactively address these challenges to safeguard your institution’s profitability and regulatory standing.

Our comprehensive loan review services are designed to:

Identify and mitigate risks in your loan portfolio
Ensure compliance with regulatory safety and soundness requirements
Increase profitability by improving loan portfolio management and efficiency

We work with financial institutions of all sizes, from community banks and credit unions to large, multi-billion-dollar organizations.

Don’t let risks or non-compliance jeopardize your institution’s future.

The Y&A Advantage

Young & Associates is comprised of industry professionals who offer the necessary strategic guidance and market analysis for bank expansion and branching. We have experience representing both buyers and sellers and structuring these transactions to achieve our clients’ goals. Our expansion and branching services including de novo charters, market feasibility studies, and mergers and acquisitions. If your financial institution is planning an expansion or new branching opportunity, contact us to speak with one of our consultants.

Why Choose Y&A?

How We Help

Third-Party Loan Reviews

Independent reviews tailored to your institution’s needs. Ensure compliance and mitigate risk in your loan portfolios.

AG & CRE Stress Testing

Identify and control risks in commercial real estate loan portfolios during adverse economic conditions. Identify and manage risks in agricultural loan portfolios during adverse economic conditions.

Acquisition Due Diligence Reviews

Assess the value and risk of loan portfolios you are considering for acquisition.

Lending Department Process Reviews

Streamline operations, improve efficiency, and control costs in your lending department.

Outsourced Loan & Escrow Servicing

Save time and resources by outsourcing these functions to our expert team.

Loan Workout Services

Maximize returns and minimize losses with expert loan restructuring and management.

CECL Reviews

Ensure compliance with requirements to establish reserves for potential credit losses in your loan portfolios.

De Novo Charters

We can assist with both a comprehensive market study and a professionally completed bank charter application in a timely and cost-effective manner.

Mergers and Acquisitions

Our vast banking background means we can assist in structuring transactions, negotiations and due diligence to assure the smooth completion of deals.

Protect your institution’s future and ensure sound lending practices

Intel’s Ohio investment creates opportunity for economic growth and lending

Credit Analyst Alex Heavner explains how financial institutions stand at the center of Intel’s $28B Ohio investment.

Breaking down agricultural production revenue cycles for ag lending

Craig Horsch, consultant, explains why it’s important to know how close your borrowers’ projections to reality are and what it means for credit risk.

What financial institutions need to know about the rise of digital lending

Credit Analyst Justin Schray explains how mobile and digital lending platforms are reshaping how consumers and institutions access credit.

Federal Crop and Livestock Insurance programs and what’s changing in 2025

Craig Horsch explains that Federal Crop Insurance and Federal Livestock Insurance are supplemental insurances that cover losses which are unavoidable and caused by naturally occurring events.

The importance of field examinations in asset-based lending

Ollie Sutherin, chief financial officer, explains that asset-based lending is a creative financing alternative that will unlock additional working capital for businesses.

Key insights from the OCC Semiannual Risk Perspective (fall 2024)

Explore key insights from the OCC Fall 2024 Risk Perspective, highlighting banking trends in fraud prevention, credit risks, cybersecurity, compliance, and more.