Experience
Senior Associate, T. Gschwender & Associates, Inc. (Present)
A bank executive with over 45 years of comprehensive experience gained from top leadership positions. John brings his impressive credit background in commercial lending and business development to provide the full range of financial review services to our clients.
President / Chief Executive Officer, Bank & Business Consulting Associates (2013-2017)
Founder of company which provided bank and business consulting; active as a Realtor specializing in the sale and management of Bank foreclosed properties.
Executive President / Chief Risk Officer, Fidelity Bank (2003-2013)
Member of top management overseeing credit policy, compliance, security, loan review, special assets, collections, monthly board reporting and calculation of the bank’s loan reserve.
Executive Vice President / Senior Loan Officer, Guaranty Bank (1997-2003)
Executive in charge of all commercial as well as consumer lending. Responsible for business development, marketing, advertising, credit policy, collections, loan department, and branch deposits. Chairperson of the officer’s loan committee and member of the executive loan committee.
Regional Vice President / Region Manager, Summit Bank (1994-1997)
Head of commercial banking, including business development and commercial lending in Northeastern Pennsylvania. Directed the customer and prospect marketing and sales call programs for the sale of bank products and services. Supervised staff located in Wilkes‑Barre, Hazleton, and Scranton. Member of the Bank’s Loan Committee.
Executive Vice President / Division Head, National Westminster Bancorp (1968-1992)
Managed commercial lending divisions, including problem loan workouts, community banking, middle market, specialized and real estate lending. Supervised staff throughout the United States as well as London. Served on various management committees. Held position of Chief Credit Officer of NatWest Credit Corp. and the United States Banking Group.