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Independent services with a name you trust

Y&A Credit Services was created in 2022 as a full-service provider of outsourced underwriting services and credit analysis. We are an independent entity, but we offer the same exceptional service, expertise, and integrity you’ve learned to expect from Young & Associates.

Our team members are experts in credit services and the financial industry. We know how quickly things can change and how regulated the industry is—which is why we embrace change while remaining committed to our clients. Your work helps your community and local economy; we’ll be right there with you.
Helping financial institutions across the United States

Financial Institutions trust us with their commercial underwriting.

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Underwriting risk services

Improve your lending with our services

We know how much credit departments can struggle with a lack of staffing and time constraints. Without a solid focus on underwriting during the credit risk analysis, you expose your institution to risk. That’s why we’re here to help improve the quality, speed, and accuracy of your lending through our underwriting services: Commercial Credit Underwriting, Annual Underwriting Reviews, Spreading Financials, and Underwriting Package Reviews.
Meet our industry veterans

Skilled experts working for you

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Oliver Sutherin
Principal
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David Reno
David Dalesandro
Dave Dalessandro
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Pat Lilly

Connect with a consultant

Contact us to learn more about our consulting services and how we can add value to your financial institution





Connect with a consultant

Contact us to learn more about our consulting services and how we can add value to your financial institution