Mark Droege Senior Associate

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Areas of Practice

  • Commercial Loan Review
  • Local Government and School District Loan Review
  • Mortgage Loan Review
  • Installment loan review
  • Allowance for Loan and Lease Losses (ALLL) Analysis
  • Loan Policies,Procedures Review and Development
  • Credit and Legal Documentation Review


  • Masters Business Administration, Boston College, Chestnut Hill, MA
  • Bachelor of Science, Finance, Syracuse University, Syracuse, NY
  • Advanced Leadership Program, Babson College, Wellesley, MA
  • New York State Banker Program at West Point

Principal Areas of Practice

Extensive experience and skills in the commercial banking industry focused on government and education customers. Skills and experience include sales and business Line management, customer planning and marketing strategy development, product planning and pricing.


Senior Credit Consultant, T. Gschwender & Associates, Inc. 2012-Present

Commercial, mortgage, lease and installment loan review; Analysis of Allowance for Loan and Lease Losses; Bank Policy, proedure and forms review and development; credit and legal documentation review.   

Senior Vice President, Government Banking, Citizens Bank NA, 2005-2011

Managed and built the government banking business in the greater Rochester, New York Market.

  • Added signficant core banking relationships in the education sector leading to market share gains.

Senior Vice President, Market Executive, New England Government Banking, 2004-2005

As Market Executive for Government Banking managed the New England region covering 6 state markets. 

Senior Vice President, Manager Municipal Banking & Advisory Services, FleetBoston Financial Group, Syracuse, NY, 1999-2003

Managed the Municipal Banking & Advisory Services group business across an 8 state Northeast footprint.

  • Deposits totaled $9 Billion; Loans totaled $1Billion.

Vice President, Team Leader, FleetBoston Financial Group, Syracuse, NY, 1996-1999

Managed the Municipal Banking business across the Upstate NY market.