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.