Don Aldred Executive Vice President/Senior Consultant

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Areas of Practice

  • Evaluating the quality of bank management and their board's
  • Evaluating the quality of Credit Risk Management Programs
  • Developing Credit Risk Policies, Processes, and Procedures
  • Evaluating ALLL adequacy
  • Conducting Loan Reviews


  • B.S. The Citadel - MCSC
  • Graduate School of
  • Bank Management at U.of Wisconsin
  • Management Development School at USMA - West Point
  • Commercial Lending Management School at Ohio State University
  • Bankers School of Agriculture at Cornell U.
  • Foundations of Leadership at Disney University
  • Life Member - Risk Management Association
  • Current Member - Greater Rochester Housing Partnership Loan Committee
  • Past Member - U.S. SBA Region 2 Advisory Council
  • Past Member - County of Monroe Industrial Dev. Agency Loan Committee
  • Past Member Cephas Capital (SBIC) Investment Committee
  • Past Member - New York Business Development Corp Loan Committee

Principal Areas of Practice

A banking executive with 40+ years of credit and lending experience.  Primary interest is assisting banks with improving credit quality.  This includes identifying  shortfalls in risk management, then developing and implementing a comprehensive Credit Risk Management Program commensurate with the asset size of the institution.   


E.V.P. & Senior Consultant, T. Gschwender & Associates, Inc. - 2009 to Present

Member of the Team responsible for:

  • Assisting bank management and their Board’s with restoring credit quality.
  • Evaluating existing lending/credit policies, programs, processes, and procedures and making recommendations for improvement.
  • Leading and assisting other TGA personnel with client engagements.
  • Prospecting new banking clients for TGA within the company’s market territory.

S.V.P. & Chief Lending Officer – ESL- FCU, Rochester, NY - 2004 to 2008

Member of the Executive Management Team responsible for:

  • Managing loan portfolio credit quality.
  • Supervising Real Estate Lending, Consumer Lending, Loan Servicing, Loan Collections/Workouts, and Credit Risk Analysis Depts.
  • Budgeting and monitoring the above Profit Centers.

President  & C.E.O. – Genesee Regional Bank, Rochester, NY - 2001 to 2004

Member of the Board of Directors responsible for:

  • Managing the Executive Team to lead the bank out from under a formal regulatory agreement.
  • Restoring credit quality by developing and implementing new Credit Risk Management, and Business Development Programs.
  • Developing and Implementing a 3 Year Strategic Plan
  • Budgeting and monitoring the bank’s Annual Profit Plan.

Consultant to Community Banks – Self Employed – 1999- 2001

Provided banking expertise to solve specific problems:

  • Implemented plans for a start-up retail banking office in Rochester.
  • Performed a credit quality due diligence effort on a downstate bank for a prospective major shareholder.

S.V.P. & Chief Lending Officer – First National Bank of Rochester - 1992 to 1999

Member of the Executive Management Team responsible for:

  • Participating on the team responsible for leading the bank out from under a formal regulatory agreement.
  • Managing the Commercial Banking Division.
  • Restoring loan portfolio credit quality by rebuilding the Credit Culture, and developing a new Credit Risk Management Program.
  • Building a New Business Development Program to include opening Commercial Loan Production Offices in Buffalo and Syracuse.
  • Budgeting and monitoring the Commercial Banking Profit Centers.

S.V.P. & Chief Lending Officer – Central Trust Co. of Rochester – 1987 to 1992

Member of the Executive Management Team responsible for:

  • Improving the Credit Risk and Business Development Programs.
  • Managing the Commercial Banking Division.
  • Opening a Commercial Loan Production Office in Buffalo.
  • Budgeting and monitoring the Commercial Banking Profit Centers.

V. P. & Manager, Commercial Finance – M&T Bank, Buffalo NY – 1965 to 1987

Promoted over the years from Credit Analyst to above position responsible for:

  • Managing Asset Based Lending, Commercial Real Estate Lending, Equipment Leasing, Agriculture Lending, and Large Loan Workouts.
  • Budgeting and monitoring the above Profit Centers.