DASKY YARBER ASSOCIATES

Our Business

Our Team 

Susan Dasky

Following her position as a Credit Administration Officer with Bank One Fenton, NA, Susan’s career path led her to the Office of the Comptroller of the Currency, where she achieved the status of National Bank Examiner (NBE), with leadership responsibilities as a Loan Portfolio Manager and Examiner-in-Charge.  In addition, she earned the designation of Credit Expert. 

Susan’s reputation for sound credit risk identification and management skills prompted her to start a loan review business as a sole proprietor, which she successfully operated for nearly 10 years.  Susan is a CRC (Credit Risk Certified) candidate through RMA (Risk Management Association).  She has a total of 22 years of financial institution experience.

Alex Yarber

Alex’s commercial lending experience spans 15 years.  His NBD Bank experience included relationship and portfolio management in small business and middle-market commercial loans.

Following subsequent senior underwriting responsibilities with Charter One Bank, Alex passed the CPA exam and joined the Financial Institutions Group of a regional public accounting and consulting firm.  Here he provided lending-related audit support and consulting services on national engagements involving internal and external audits, compliance reviews, troubled loan recovery, fraud investigations, and bond claim litigation support.  This experience included heavy emphasis in identifying key elements of effective credit risk management systems. 

Alex is Credit Risk Certified (CRC) through the Risk Management Association (RMA) and is a non-practicing, registered CPA.  He is an associate member of the Association of Certified Fraud Examiners.

Our approach to lOAn reviews

One of our goals is to evaluate the effectiveness and sufficiency of your internal controls over lending.  Before we begin our individual loan file review, we obtain an understanding of your internal controls over lending.  Discussion with members of your team to learn about your lending policies and procedures is essential for us to begin to evaluate individual loans  and to conclude on our assessment of your overall controls.

Accurate and timely risk ratings are the ultimate internal control.  Our approach to evaluating this and all other risk conclusions is to evaluate the reasonableness of  methodologies used and to verify that approval documents and other data inputs are supported by source financial documents.