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Staff Category: Y&A Credit Services

Justin Schray

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Justin Schray serves as a Credit Analyst at Y&A Credit Services, bringing with him a wealth of expertise in commercial credit analysis and credit administration gained through years of dedicated service within Young & Associates.

Justin’s association with Y&A began in the summer of 2021, where he seamlessly integrated into the organization as an Associate Consultant and Lending Administrator in the Lending and Loan Review Department. Over the course of two years, Justin’s commitment and exceptional performance have propelled him to his current position.

A graduate of Cleary University with a BBA specializing in accounting and finance, Justin’s educational background lays a solid foundation for his role as a commercial Credit Analyst. His responsibilities include the analysis of credit data and financial statements to evaluate the degree of risk associated with extending credit. Additionally, Justin oversees the review of client accounts and reporting, playing a key role in the management of the loan pipeline.

Oliver Sutherin

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Ollie Sutherin serves as the CFO of Young & Associates. 

Previously serving as Principal of Y&A Credit Services, Ollie held key responsibilities in steering the development, growth, implementation, and strategic planning initiatives for the company.

Commencing his banking journey in 2016, Ollie concentrated primarily on the commercial banking sphere. His tenure with Young & Associates commenced with a focus on the company’s loan review process, delving into the fundamentals of lending, credit, and actively engaging in fieldwork for loan reviews. Transitioning to a credit analyst role in a West Virginia regional bank further enriched his expertise.

Rejoining Young & Associates in 2018, Ollie contributed significantly to the loan review department, conducting meticulous third-party and due diligence reviews for small and regional banks. His responsibilities expanded as he assumed a managerial role in lending administration, revolutionizing the department’s information distribution and documentation through streamlined processes and the successful implementation of a new software platform. Under his leadership as the Quality Control Department Manager, the department experienced two record-breaking revenue years, nearly doubling its productivity.

Ollie holds a Bachelor of Science in Economics from West Virginia University in Morgantown and completed an MBA with a concentration in Management from Marshall University. His steadfast commitment to excellence and innovative approaches to financial strategies continue to drive Young & Associates’ success in the dynamic financial industry.

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