November 13, 2024
How Technology Shapes the Future for Community Financial Institutions By Ollie Sutherin, Chief Financial Officer, Young & Associates The challenges posed by the COVID-19 pandemic are no surprise to anyone...
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Lending Category | Young & Associates
July 31, 2024
Liquidity ManagementLending & Loan ReviewManagement & PlanningAdviceBlogConsultationCRE & AG Stress TestingContingency PlanningInterest Rate RiskRegulatory EnforcementLiquidity ReviewInterest Rate ReviewRisk Management
CRE Stress Testing for Banks: A Crucial Tool in a Post-COVID World
By Jerry Sutherin, CEO at Young & Associates Despite having limited requirements as defined by interagency guidance, the case can be made for requiring community financial institutions to have regular...
April 29, 2024
Liquidity ManagementContingency PlanningInterest Rate RiskRegulatory EnforcementLiquidity ReviewInterest Rate ReviewRisk ManagementCRE & AG Stress TestingLending & Loan ReviewManagement & PlanningAdviceBlogConsultation
CDs Maturing in Q2: Impact on Interest Rate Risk Management
By: Michael Gerbick, President at Young & Associates Interest rate risk (IRR) is the exposure of a bank or credit union’s current or future earnings and capital to adverse changes...
January 22, 2024
By: Linda Fisher, Senior Consultant There is always a certain level of risk in lending, but construction loans are of even greater risk. The ultimate value of the collateral is...
October 26, 2023
AdviceLending & Loan ReviewConsultationCRE & AG Stress TestingRegulatory EnforcementLiquidity Review
Managing CRE Credit Risk Amid Market Shifts
By: Jerry Sutherin, President & CEO of Young & Associates The landscape of commercial real estate (CRE) lending is shifting due to current economic events, presenting both challenges and opportunities...
October 26, 2023
By: Ollie Sutherin, Principal of Y&A Credit Services Community financial institutions have long been known for their agility and personalized service, excelling at creating unique lending solutions and facilitating distinct...
July 27, 2022
By: Ollie Sutherin, Principal, Y&A Credit Services The focus of this article is to provide an overview of what Y&A Credit Services, LLC views as key elements during the underwriting...
November 2, 2021
By: William J. Showalter, CRCM, CRP, Senior Consultant We have been dealing with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) since 2010, and yet questions surface...
June 2, 2021
For years banks have had pandemic policies, but never really thought the day would come when it would represent more than another examiner-required policy. Then came COVID-19, and in a matter of days, our world changed.
October 6, 2020
By William J. Showalter, CRCM, CRP, Senior Consultant Adjustable-rate mortgages (ARM) have not been much of an issue for many banks and thrifts in recent years since fixed rates have...
