Tioga State Bank

6 BUSINESS VIEW MAGAZINE VOLUME 9, ISSUE 4 T IOGA STATE BANK T. Gschwender & Associates, Inc. (TGA) has provided credit risk management services to financial institutions since 1984. Our objective is to deliver credit related services and experts to clients in a cost-effective manner, allowing them to tap into resources they would not otherwise be able to employ internally. TGA is a Veteran-Owned business and was the recipient of the Small Business Administration’s (SBA) 2014 Veteran- Owned Business of the Year Award. TGA is best known for our loan review services, using a well-established “risk based” approach. We start by completing a Credit Risk Assessment to determine the current level and direction of Credit Risk. Each loan in the portfolio is then separated into High, Moderate, and Low risk buckets. Loans are classified based on their unique characteristics. In evaluating risk ratings, TGA sticks to the proven “5 Cs of Lending” methodology. TGA utilizes a proprietary Loan Review System to complete reviews. This state- of-the-art system allows us to complete reviews in a consistent, transparent, and timely manner while thoroughly documenting all key loan information. It also enables TGA to provide clients with comprehensive, concise reports to evaluate and manage their loan portfolio. TGA staff all have extensive banking experience, having held high level positions within the banking industry. With expertise spanning “both sides of the street”, the company provides a well-balanced and thorough approach to all that we do. ...... Visit our website for more information or to become part of our team. www.tgschwender-assoc.com TSB Upper Front St Office located in Binghamton NY President and CEO, Robert Fisher