President and CEO
With over 30 years in the financial services industry, Jerry Sutherin is President and CEO of Young & Associates, Inc. Jerry purchased Young & Associates, Inc. in February 2018 and manages the company’s day-to-day operations and corporate planning. He is also part of the company’s Lending and Loan Review Division where he provides community banks throughout the region and the U.S. with third-party loan review, lending policies and procedures, loan portfolio due diligence, and ALLL Review services. Prior to joining Young & Associates, Inc., Jerry worked in varying capacities ranging from supervising an Asset Quality/Loan Review function at a large regional bank, to managing a $2.5 billion loan portfolio responsible for loan performance, credit quality, and departmental efficiency. Jerry has earned a National Loan Review Certification from the Bank Administration Institute, and graduated with Honors from the Stonier Graduate School of Banking, as well as other post-graduate degrees, including a Bachelors of Business Administration Finance degree from Kent State University and a Masters of Business Administration (MBA) from the University of Steubenville.
Karen S. Clower, CRCM
Director of Compliance
Karen Clower is a Consultant and and the Director of Compliance at Young & Associates, Inc. Her primary responsibilities include new client inquires and engagement letters, scheduling of compliance contracts, answering compliance hotline calls, and compliance field work. Her prior banking experience includes 19 years working for a large community bank where she managed the mortgage lending department, including processing, underwriting, and the mortgage loan officers. She has also worked as a mortgage loan officer and credit analyst/account offi cer for commercial lending. Karen holds a BA in Business Management from Hiram College, and associate degrees in Banking and Finance and Business Management from Kent State University and is a Certified Regulatory Compliance Manager.
Director of Lending Services
Kyle Curtis has more than 30 years of diverse banking experience in financial reporting, lending, credit authority and administration, and senior level management positions, including CFO and CCO as well as President and CEO, with several mid-sized community banks. He served on the Board and was Chairman of the Arizona Bankers Association. He has also served on the Board of Banker’s Bank of the West in Denver, CO, and the American Bankers Association Community Bankers Group. Kyle is a graduate of the Graduate School of Banking at the University of Colorado, and Arizona State University. As a Senior Consultant at Young & Associates, Inc., his time is shared between the lending and management consulting divisions, as well as regulatory compliance and policy development. He advises numerous clients on a variety of regulatory and compliance matters, including enterprise risk and credit management issues, financial and risk management assessments. He assists banks under regulatory enforcement agreements, and performs management and board of director assessments, appraisal reviews, loan review and ALLL analysis methodology, loan portfolio stress testing, and policy development and implementation.
Mike Detrow, CISSP
Director of Information Technology Audit/Information Technology
Mike Detrow manages the IT functions for Young & Associates, Inc., which include IT consulting services and the company’s internal IT needs. Mike performs IT Audits and IT Consulting services for our clients. He began his banking career in 2000 and started performing IT Audits for financial institutions in 2005. Mike has served as a network administrator for several community banks in Ohio and North Carolina and most recently served as the Vice President of Information Technology for a community bank in Ohio. He holds the designation of Certified Information Systems Security Professional (CISSP).
Martina S. Dowidchuk
Director of Management Services
Martina S. Dowidchuk manages a wide range of financial management and planning assignments for Young & Associates, Inc.’s clients. With over 20 years of experience as an advisor to executive management teams and Boards of Directors in the banking industry, she helps clients with producing information essential to managing growth, profitability and shareholder value while maintaining safe and sound operations. Her areas of expertise include business planning, financial analytics and financial forecasting, stock valuations, asset liability management and risk modeling, stress testing and contingency planning, as well as branch expansion and market feasibility studies. She also assists clients in the business planning and regulatory application processes involving de novo bank charters, mergers and acquisitions, and new branch openings. Martina has developed a variety of customized financial models, analytical methodologies, policies, and other tools for bank clients supporting their strategic-decision-making processes and compliance requirements. Prior to joining Young & Associates, Inc., Martina worked for the Slovak Business and Banking Advisory Center and The Recovery Group, Inc. where she participated in a number of management consulting assignments throughout Central and Western Europe. Martina holds an MBA degree in Finance from Kent State University and a Master’s degree in Corporate Management from the University of Economics in Bratislava, Slovakia.
Bill Elliott, CRCM
Director of Compliance Education
Bill Elliott has over 40 years of banking experience. As a Senior Consultant and Director of Compliance Education at Young & Associates, Inc., Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews for all areas of compliance, conducting in-house training, and writing compliance articles and training materials.
During his career, Bill spent 15 years as a compliance officer and CRA officer in a large community bank, and also worked for a large regional bank. He has been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.
Director of Lending Education
Aaron Lewis has more than 15 years of experience in the banking industry. A majority of his time is dedicated to the lending division of Young & Associates, Inc., assisting client banks with loan reviews, ALLL reviews, policy reviews, and credit process reviews. Aaron also assists the compliance division by contributing to various regulatory compliance reviews. In addition to review work, Aaron conducts seminars covering various credit risk and compliance topics.
Prior to joining Young & Associates, Inc. Aaron was the Vice President Credit Administrator of a community bank in southeast Michigan. During his time at the bank, Aaron managed all facets of the lending function including originations, underwriting, ALLL analysis, servicing, and secondary market compliance. Aaron holds a B.A. in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.
Jeanette L. McKeever, CCBIA
Director of Internal Audit
At Young & Associates, Inc., Jeanette is primarily involved with managing and delivering internal audit services, to include assessing controls and risk within organizational and operational audits and process reviews. She also is involved in providing trust, lending, and selective compliance services, including loan reviews, appraisal reviews, fair lending reviews, SAFE ACT reviews, and HMDA-LAR reviews. Her prior industry experience includes teller work, private banking services, and lending in both the credit union and community bank environments. Jeanette has served as a managing loan officer in both residential and consumer lending departments; in those capacities, she served as chief lending officer, performing loan processor and officer training and addressing policy and lending manual revisions. Jeanette’s experience totals 17 years in the banking and consulting industry. She is also experienced in residential real estate, title closings, and bookkeeping/ accounting. Jeanette earned the Certified Community Bank Internal Auditor (CCBIA) designation through Independent Community Bankers Association (ICBA).
David A. Reno
Director – Lending and Business Development
Dave Reno is a career-long community banker, having begun work as a bank management trainee in 1983. His focus at Young & Associates, Inc. is in all areas of credit and lending, as well as in sourcing new relationships with prospective clients while deepening our partnership with existing clients. Dave has served as the Chief Credit and Chief Lending Officer in community banks in the upper Midwest, Southwest, and Southeast. As a result of his work in some of those institutions where his expertise was needed to remediate regulatory agency required corrective actions, he possesses a superior reputation with a nationwide variety of bank regulatory agencies. As a senior executive in banks from $50MM to $500MM, he has become intimately knowledgeable of successful banking strategies and tactics, deepened his commitment to customer service, and remained steadfast in the need for compliant processes with exceptional attention to detail. In his various roles, Dave has actively participated in numerous community and educational non-profit organizations to further their mission and out of regard for his own commitment to giving back to local communities. He is a strong supporter of the role that community financial institutions play in their neighborhoods and the financial services industry, and he is passionately committed to assisting them in achieving long-term sustainability of their institutions and the contributions they make to the communities they serve. Dave is a graduate of Duquesne University in Pittsburgh, PA with a Bachelor of Science in Business Administration and a Master of Business Administration in Finance, Dave also graduated from the Graduate School of Banking at the University of Wisconsin at Madison.
Robert L. Viering
Director of Lending
Bob brings over 30 years of banking experience to Young & Associates, Inc. where he concentrates primarily on loan review and credit-related support for clients, as well as assisting in management consulting. Prior to joining Young & Associates, Inc., Bob was a de novo bank organizer and CEO, market president, and regional credit officer with large and regional banks. He has extensive experience in credit underwriting and management of all types of loans, including commercial, agricultural, and consumer. In addition, he has provided expert witness reports for bank lending issues for both state and federal courts. Bob has also been an interim chief lending officer for a troubled bank that was successfully turned around, has been an advisor for de novo bank formation, bank mergers and acquisitions, including merger integration, and credit process improvement, ALLL management, and successful hands-on management of both formal and informal regulatory agreements. He is a graduate of the University of Illinois, the National Commercial Lending School, and the American Management Association’s Executive Effectiveness program.