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.
President – Capital Market Securities, Inc.
Steve Clinton has over 30 years of experience in the banking sector and serves as the lead consultant in our capital markets activities. Steve’s experience in the capital markets area expands and enhances Young & Associates, Inc.’s ability to consult and advise our clients in many areas, including market analysis and valuations, strategic and capital planning, and merger and acquisition activity. In addition to his investment banking and consulting activities, Steve also participates in various seminar presentations and contributes regularly to our corporate newsletters.
An investment banker who previously served as a principal with a full-service brokerage firm, Steve served as the Midwest representative for the firm’s financial institutions practice. Steve also served as president of an investment banking firm working primarily with financial institutions in the areas of capital planning, equity offerings, valuations, mergers, and acquisitions. Steve has also worked for several Midwest financial institutions in his career and has served as CEO, COO and CFO.
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.
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. Her areas of expertise include bank expansion and financial forecasting, feasibility studies, asset liability management and risk modeling, stress testing, performance analyses, and stock valuations. She also assists clients in the regulatory application processes involving de novo bank charters, mergers and acquisitions, new branch openings, and other strategic initiatives. Martina has over 15 years of experience serving financial institutions and has developed a number of financial models, policies, and other tools for banks and credit unions. 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.
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.
Bryan Fetty brings over 26 years of banking experience to Young & Associates, Inc. A former vice president of a mid-sized community bank, Bryan’s primary expertise is on the operations side. His experience includes bookkeeping and proof operations, teller operations, branch administration, call center, marketing, and training, as well as deposit compliance. At Young & Associates, Inc., Bryan consults with banks on interest rate risk reviews, liquidity planning, and branch feasibility studies, and assists the product division with product development, product maintenance, and field inquiries. In addition, he performs in-bank training, presents seminars, and assists with the development and maintenance of the corporate website.
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.