T. Gschwender & Associates, Inc. (TGA) is a veteran owned privately held firm established in 1984. TGA provides credit risk management services to banks and credit unions. Services include Independent Loan Review, Underwriting Support, Appraisal Reviews, Loan Workout, Allowance for Loan & Lease Losses (ALLL) Preparation and Review, and Stress Testing of Income Producing Commercial Real Estate (IPCRE) Loans and Portfolios, to name a few. TGA Credit Consultants have extensive banking, corporate management and regulatory experience, bringing significant expertise and practical guidance to our clients. TGA currently employs over 25 staff and consultants who provide distinctive quality and excellent customer service to financial institutions across the Northeast.