Lending Consultant Biographies

President and CEO

Jerry Sutherin

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.

Director of Lending Services

Kyle Curtis

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.

Director of Lending Education

Aaron Lewis

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.

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.

Director of Lending

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.

Senior Consultant

Banafsheh K. Adler

Senior Consultant

As a Senior Consultant in the lending department at Young & Associates, Inc., Banafsheh K. (BK) Adler performs commercial loan and policy reviews, and provides feedback relative to the quality and accuracy of underwriting, adherence to credit policy, and how the client measures as it relates to its risk rating matrix and lending practices compared to peer groups. She works to identify trends that can have an ongoing negative impact on the financial health of the client and provides pro-active recommendations/solutions in rectifying all points of weakness and concern. BK has over 23 years of prior experience in the financial Industry in the areas of management, sales, training, portfolio management, credit, and commercial and residential lending.  As a sales and relationship manager, she functioned as an extension of the client’s team of financial consultants; in the capacity of a credit officer, she provided the same support and consultation to the market and the sales managers. BK has earned a B.S. degree in Finance and has completed formal trainings in commercial and residential lending.

Senior Consultant

S. Wayne Linder

Senior Consultant

A thirty-year banking veteran, Wayne Linder was formerly the CEO of a community bank. As a Senior Consultant with Young & Associates, Inc., Wayne works as a lending and management consultant. He performs loan reviews, assists financial institutions under regulatory enforcement agreements, and develops and implements written policies throughout all areas of the financial institution.

Christopher Elliott

Consultant

Chris Elliott has been with Young & Associates, Inc. since 2011. His primary responsibilities include all areas of loan review, including acting as Lead Consultant, a loan review consultant, interacting with client banks prior to and after onsite visits, and preparing loan review management reports. Chris also serves as a trainer to others at Young & Associates, Inc. regarding loan review responsibilities. Chris also conducts BSA and consumer compliance reviews for client banks. His prior work experience includes work as a Financial Advisor at Ameriprise Financial. He studied Business and Finance at The Ohio State University and Youngstown State University.

Ben Kalie

Consultant

Ben Kalie is a Consultant with Young & Associates, Inc. and has concentrated his efforts on loan reviews within our lending department for over 5 years. Prior to joining Young & Associates, Inc., Ben held prior management positions in the areas of banking and manufacturing. He spent 14 years as an Asset Control Manager for a community bank, with management experience in loan review, credit management, legal issues, sale of REO, collections, and foreclosures. In addition, Ben spent 14 years as the Risk Manager for a manufacturing and distribution company where his responsibilities included cash management, business interruption management, insurance procurement and risk analysis, workers compensation management, and all identified risk-related projects. Ben’s educational achievements include a BA from Edinboro University and a MBA from Gannon University.

Ollie Sutherin

Manager of Lending Administration and Associate Consultant

Ollie Sutherin is the Manager of Lending Administration and an Associate Consultant at Young & Associates, Inc., where he works to create a consistent and efficient process for our lending team. His responsibilities include the process management of the company’s lending function as it relates to front-end and back-end data management from clients, all areas related to DiCom, assisting in the preparation for loan reviews, and exception reporting and clearing. He also participates in loan review field work for client banks. Prior to joining Young & Associates, Inc., Ollie spent two years as a Credit Analyst for a regional bank in West Virginia where he was primarily responsible for underwriting commercial transactions. Ollie earned a Bachelor’s degree in Economics from West Virginia University and is currently pursuing a Master of Business Administration degree with a concentration in Finance from Marshall University.

Debra Werschey

Consultant and Manager of Secondary Market Services

Debra Werschey has over 30 years of experience working in the banking industry. Her banking experience includes processing, closing, post-closing, and escrow of mortgage loans for community and national banks. As Manager of Secondary Market Services, Debra performs quality control reviews of retail mortgage loans, including APR audits, ensuring that secondary market underwriting guidelines and other investor guidelines are maintained. She also assists the lending division with appraisal reviews and commercial, mortgage, and consumer loan reviews, evaluating the quality of existing credits for various financial institutions.