John Abrams

Senior Credit Consultant

person's name

Areas of Practice

  • Commercial Credit Analyst
  • Underwriting
  • Loan Presentations
  • Training & Development
  • Loan Review
  • Budget Analysis
  • Policy and Procedures
  • Bond Specialist


  • Certified Loan Review Analyst; Banking Administration Institution, Grad/2015
  • CT School of Finance & Management Grad/2014
  • New York Institute of Finance: Certificates in Accounting, Business Evaluation, Cash Flow
  • Moody's Bank Training in complex analytical financial analyst / UCA Cash Flow/2006
  • Developer's Surety & Indemnity Subdivision School of Track & Sub-division Financing
  • The American Surety Association: Advanced Construction Accounting
  • NASBP Level I & II Houston Texas National Bond School


T. Gschwender & Associates, Inc., Senior Credit Consultant (April 2016-Present)

A veteran banking professional with 24 years underwriting both commercial banking and Surety Construction Bonds.  Provides consulting services regarding credit and compliance to financial institutions such as small community banks and credit unions.  Loan review services include commercial and consumer loan portfolios. 

Thomaston Savings Bank, Thomaston, CT  (2011-2016)

Senior Commercial Credit Analyst:  As Senior Commercial Credit Analyst for Middle Market performed in depth financial analysis on, but not limited to: C&I loans, commercial real estate loans, Construction-to-Permanent financing, land acquisition / development loans ,borrowing base administration and bank participation agreements.  Provided credit recommendations, terms & conditions in accordance to bank policy.  Implemented individual risk rating grade, impairments analysis, and appraisal review.  Represented commercial credit department at Management Loan Committee meetings.  Mentored junior underwriters and lenders.  Perform site visit inspection on construction loans and administrate draw requests.   

Fifth Third Bank, Cincinnati, OH (2005-2011) 

Small Business Banking Loan Underwriter:  As Small Business Banking Loan Underwriter reviewed and decision-making regarding business loan applications in a centralized environment, for commercial credits.(North & South Carolina  and Florida affiliates).  Responsible for spreading financial information, evaluating personal credit reports, and loan structure and submitting to Small Business Administration or 504 if applicable. Performed Real Estate evaluations and Special Asset Group downgrade memorandums.

Developers Surety & Indemnity Company, Cincinnati, OH (2000-2005)

Senior Field Underwriter Field Underwriter:  Underwrote, approved and/or declined surety bonds while developing surety contract bond accounts within PA, OH, KY and TN, territory.  Appoint independent bond agencies and service existing agents / subdivision bonds within territory.  Home Office liaison between bankers, agents, attorneys and contractors on larger complex bonds.

American Contractors and Indemnity Company, Cincinnati Regional Office (1992-2000)

(formerly Surety Services of America Agency, Inc.)

Bond Manager:  Owner and Operator of a Managing General Agency (Surety Credit) since 1992.  Grew surety portfolio fee income to $1.8MM.   Sold SSAA in 1999 then employed ACIC as Regional Bond Manager.  Underwrote and developed surety contract bond accounts within, PA, OH, KY, and TN territory.  Travel and appoint sub-agents and service existing surety bonds portfolio within territory.

United States Army Veteran, Fort Stewart GA (1982-1985)

Combat Medic/Specialist awarded three Army Achievement Medals