Scott Rose

Senior Credit Consultant

person's name

Areas of Practice

  • Commercial Banking
  • Loan Review
  • Credit & Collateral Review
  • Small Business, Government, Large Corporate, and Not-for-Profit Lending
  • Business Development
  • Negotiations
  • Training & Development


  • B.A./Alfred University
  • Manufacturers Hanover Management & Credit Training Program
  • Chemical Bank Advanced Credit Structuring/Credit Skills
  • JP Morgan Chase Treasury & Cash Management Training
  • FINRA Series 7/63
  • FINRA Municipal Security Representative Series 52/63
  • United States Marine Corps, Captain/Asst. Comptroller, Budget Officer


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

A highly regarded financial professional with over 30 years in the field.  Scott has a strong credit background with a focus on small business, government, large corporate and not-for-profit lending.  He offers valuable expertise from his many years with Key Bank, JP Morgan Chase/Chemical Bank as well as community banks and the military. 

Vice President Relationship Manager Government Bank Group

First Niagara Bank, Rochester, NY (2013-2016)

Responsible for consultative sales, business development, and growth for a portfolio of municipal entities personally and for lending group-wide.  Products include depositary, investments, cash management, and direct lending.  Designated government lender providing oversight, mentoring, coaching, and pipeline management to all credit deals.  Managed strategy of starting new loan/deposit relationships and enhancing existing relationships with loans.  

Vice President & Senior Relationship Manager Public Sector Group

Key Bank, Rochester NY (2009-2012)

Engaged in consultative selling and business development across a portfolio of over 100 relationships with municipal entities, public and private universities.  Products include depositary, investments, and cash management.  Emphasis on lending, leasing, public finance, foreign exchange products, and derivatives. 

Loan Portfolio Manager

KeyBank Rochester Commercial Banking (2007-2008)

Monitored and analyzed a portfolio of $200 million in exposure.  Worked closely with clients and relationship managers to increase exposure through business development, pipeline development, improved credit structure, and cross-sales of treasury services. 

Vice President, Senior Portfolio Manager, Commercial Banking

National Bank of Geneva/Five Star Bank, Geneva NY (2005-2006)

Evaluated full bank loan portfolio in preparation for loan sale and business development activity with commercial lenders.  Provided and managed credit approval for approximately 80 small/medium size business relationships with credit facilities totaling approximately $35 million.  Exercised individual lending authority up to $750,000.  Credit, Loan Documentation, and Collateral Examination and Review.  Restructured portfolio to reduce risk/improve collateral/improve profitability.  Coordinated due diligence through sales agent for successful loan portfolio sale.  

Vice President, Relationship Manager, Middle Market Banking Group

JPMorgan Chase Bank/Chemical Bank, Rochester NY (1986-2004)

Responsible for management and growth of 30 small and a few large companies including credit facilities of approximately $80 million along with deposit, cash management, and insurance facilities.  Emphasis on corporate finance and selective conversion of small high growth companies and owners to clients, and positioning them for future corporate finance opportunities.  Established new relationships. Acted as placement agent for $130 million private debt placement.  Arranged and led syndicated club credit facilities.  Significant cross-sales of investment, cash management, private/personal banking, international, trust, insurance and other products.  Started new early-stage venture capital-infused company relationships positioned for significant corporate finance opportunities.