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.
Executive Vice President
Tommy Troyer is the Executive Vice President of Young & Associates, Inc. Tommy assists clients with capital planning, strategic planning, and other management consulting services. He also continues to focus on topics related to credit risk management, and assists clients with loan reviews, ALLL reviews, credit process reviews, and other lending-related services. Tommy also presents seminars and webinars related to credit risk management.
Tommy joined Young & Associates, Inc. from the Bank Supervision Group at the Federal Reserve Bank of New York, where he focused on credit risk management practices at supervised institutions. His work included a focus on the ALLL, stress testing, and risk monitoring and reporting practices. Prior to his time in bank supervision, Tommy worked in the Federal Reserve Bank of New York’s Research Group. Tommy holds a B.A. in Economics from Wittenberg University.
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. Curtis 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.
David Dalessandro brings over 30 years of banking, regulatory, and industry experience to Young and Associates, Inc. Building on financial and tax basics from an accounting degree at Penn State and work at large and regional accounting firms, David has focused on detecting and resolving problem commercial loans, including workout, legal, and documentation strategies. He has specialized in improving loan and credit administration functions where financial institutions were under an increased level of regulatory scrutiny. Most recently, David served as Chief Credit Officer of a $1B community bank in Northeast Ohio. Prior to that, he served as Credit Audit Director for a large regional bank where he was responsible for the credit risk management auditing for $35 billion of commercial credit. He was also responsible for all commercial and credit activities as a Senior Vice President for a number of community banks, and has developed and delivered training for the Federal Reserve Bank of Cleveland, the Federal Reserve Board in Washington, DC, and the Ohio Society of CPA’s. He has also been an Accounting instructor for Kent State University, East Liverpool and Ashtabula campuses. David has been awarded Examiner status with the Federal Reserve Bank of Cleveland and Certified Public Accountant (inactive) by the Pennsylvania Institute of CPA’s.
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.
S. Wayne Linder
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.
Robert L. Viering
Senior Consultant and Manager of Lending Services
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.
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.