Principal Areas of Practice
A banking executive with 40+ years of credit and lending experience. Primary interest is assisting banks with improving credit quality. This includes identifying shortfalls in risk management, then developing and implementing a comprehensive Credit Risk Management Program commensurate with the asset size of the institution.
Experience
E.V.P. & Senior Consultant, T. Gschwender & Associates, Inc. 2009 - Present
Member of the Team responsible for:
- Assisting bank management and their Board’s with restoring credit quality.
- Evaluating existing lending/credit policies, programs, processes, and procedures and making recommendations for improvement.
- Leading and assisting other TGA personnel with client engagements.
- Prospecting new banking clients for TGA within the company’s market territory.
S.V.P. & Chief Lending Officer - ESL - FCU, Rochester, NY - 2004 to 2008
Member of the Executive Management Team responsible for:
- Managing loan portfolio credit quality.
- Supervising Real Estate Lending, Consumer Lending, Loan Servicing, Loan
- Collections/Workouts, and Credit Risk Analysis Depts.
- Budgeting and monitoring the above Profit Centers.
President & CEO - Genesee Regional Bank, Rochester, NY - 2001 to 2004
Member of the Board of Directors responsible for:
- Managing the Executive Team to lead the bank out from under a formal regulatory agreement.
- Restoring credit quality by developing and implementing new Credit Risk Management, and
- Business Development Programs.
- Developing and Implementing a 3-Year Strategic Plan
- Budgeting and monitoring the bank’s Annual Profit Plan.
Consultant to Community Banks - Self-Employed - 1999 - 2001
Provided banking expertise to solve specific problems:
- Implemented plans for a start-up retail banking office in Rochester.
- Performed a credit quality due diligence effort on a downstate bank for a prospective major shareholder.
S.V.P. & Chief Lending Officer - First National Bank of Rochester - 1992 to 1999
Member of the Executive Management Team responsible for:
- Participating on the team responsible for leading the bank out from under a formal regulatory agreement.
- Managing the Commercial Banking Division.
- Restoring loan portfolio credit quality by rebuilding the Credit Culture, and developing a new Credit Risk Management Program.
- Building a New Business Development Program to include opening Commercial Loan Production Offices in Buffalo and Syracuse.
- Budgeting and monitoring the Commercial Banking Profit Centers.
S.V.P. & Chief Lending Officer - Central Trust Co. of Rochester – 1987 to 1992
Member of the Executive Management Team responsible for:
- Improving the Credit Risk and Business Development Programs.
- Managing the Commercial Banking Division.
- Opening a Commercial Loan Production Office in Buffalo.
- Budgeting and monitoring the Commercial Banking Profit Centers.
V. P. & Manager, Commercial Finance - M&T Bank, Buffalo, NY – 1965 TO 1987
Promoted over the years from Credit Analyst to above position responsible for:
- Managing Asset Based Lending, Commercial Real Estate Lending, Equipment Leasing,
- Agriculture Lending, and Large Loan Workouts.
- Budgeting and monitoring the above Profit Centers.