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T. Gschwender & Associates, Inc.

We are one of the fastest growing credit risk management companies in the Northeast. TGA offers the full range of services required by today's banking environment.

Our staff includes top industry professionals who bring the experience and dedication you want, along with the TGA reputation you can trust!

Contact us to learn more about our services

Contact Us

» Risk Rating Loans

How do you risk rate a loan where the loan is “paying as agreed” but you don’t have current financial statements from the Borrower? How about when the primary source of repayment does not show ability to repay the loan but you know the Guarantor(s) have a lot of money and are keeping the payments current? How do you support these risk rating?

» What Makes TGA Loan Reviews Standout

We have been doing loan review for a very long time, over a quarter of a century! When you do things for a long time, you tend to get good at it, provided you listen to your clients and customers. So what really makes us better than our competitors?

» Friends Re-unite at TGA!

It truly is a small world! TGA recently hired two new consultants who, believe it or not, used to hang out as kids in Rochester…causing lots of trouble from what we can gather. Then we picked up two more that played college football together and were roommates.


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311 Montgomery Street | Suite 1 | Syracuse, NY 13202 | 315.701.1293