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Partners and associates

Janeen Combs Sterling

403 East Third St.
Sterling, IL 61081



Email: janeen.combs@wipfli.com

Janeen Combs


Janeen Combs is an asset/liability management (ALM) manager in the risk advisory services group. She has eight years of previous experience performing regulatory safety and soundness examinations of community banks and savings institutions ranging from under $10 million to over $3 billion in assets. Janeen brings a unique perspective of examiner expectations and is well versed in both state and federal banking regulations and interagency policy guidance related to the capital, asset quality, management, earnings, liquidity and sensitivity to market risk (CAMELS) components of the examination process. She is also experienced in the review and assessment of corporate regulatory applications for bank charters, dissolutions, change of control, mergers, conversions, branching, stock transactions, trust activities and other miscellaneous applications. Janeen currently specializes in interest rate risk management and liquidity risk management consulting and advises her clients on solutions to help them overcome challenges in the modeling and monitoring of these risks to assist them with meeting regulatory expectations.

Professional memberships and activities

  • Financial Managers Society (FMS) – Member
  • Illinois CPA Society (ICPAS) – Member


Business consulting services

Areas of Focus

  • ALM process validations
  • Liquidity risk management (LRM) process validations
  • Liquidity stress testing
  • Loan stress testing process validations


Franklin University

  • Bachelor of science degree in business administration

West Texas A&M University

  • Master of science degree in finance and economics