Principal Areas of Practice
Strong commercial lending background with expertise in floor plan lending, audits, and reviews. Significant experience in collections, liquidation, and recovery.
Senior Credit Consultant, T. Gschwender & Associates, Inc. 2001 - Present
As a diverse banking professional with a strong commercial lending background, Michael also has extensive expertise in floor plan lending, audits, and reviews. He brings valuable insight and services to our clients in many areas including: commercial mortgage, lease, and installment loan review; bank policy, procedure, forms review, and development; credit and legal documentation review; collections, liquidation, and recovery.
Senior Business Analyst, International Profit Associates, 2000 - 2001
Responsible for conducting complex analysis and interpretation of data including monitoring of resources, evaluation of processes, and presentation of historical information trends to demonstrate financial outcomes.
General Business Consulting, Self-Employed, 1999 - 2000
Provided clients a wide range of business and financial guidance and expertise.
Manager of Dealer Relationships, Skaneateles Savings Bank, 1996-1999
Responsible for the development and implementation of the Indirect retail, floor plans, and general commercial lending program including relationship development and operational control.
Relationship Manager, Key Bank of New York, Marine/RV Division, 1995-1996
A key member of the sales management team; built relationships with clients and staff to meet client needs.
Floor Plan Lending Manager, Key Bank of New York, 1990-1995
Member of the Regional Loan Committee. Floor plan manager and business development manager for Upstate New York.
Financial Operations Manager, C.A. Sharrow Ford, Inc., 1989-1990
Oversaw the conduct of financial activities, prepared reports, developed strategies, oversaw transactions, and worked with clients.
Regional Credit Manager, Marine Midland Automotive Financial Corp., 1986-1989
Responsible for credit review processes including credit review, audits, compliance review, completeness of loan documentation; loan growth.
Business Development Manager, Marine Midland Bank, 1983-1986
Managed expectations, and developed business solutions and growth opportunities. Built sound relationships with business partners, vendors, and customers.
Senior Credit Analyst, Dealer Analysis Department, Ford Motor Credit Company, 1972-1981
Worked closely with loan officers and members of senior management to evaluate new and existing credit requirements.