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a timely manner while thoroughly documenting all key loan information. The system also allows us to be consistent and transparent in our risk rating assignments, but still permits reviewer judgment in assigning the risk rating. This program is available for our clients to use, which allows both TGA and the client to risk rate loans similarly, resulting in very few upgrades and downgrades during the independent loan review assessment.n

each risk rating to determine the appropriate relationship risk rating. Our methodology has been tested over 30 years and has been reviewed by all regulatory agencies during bank

exams. TGA uses a proprietary loan review system to complete reviews. This highly regarded system enables us to complete reviews in

Bo Singh is the president of T. Gschwender & Associates Inc. (TGA). He may be reached at or 315-701-1293.

Collaboration The Power of

Experience the power of collaboration with COCC.

We combine today’s most advanced financial technology with our uniquely effective service model – we call it “collaborative to the core.” How do we collaborate? We engage our clients in deciding which features we develop, encourage open discussion, and tailor our training, support and implementation strategies to meet our client’s needs. The result is outstanding value and record- breaking client satisfaction. That’s how COCC has succeeded since 1967. Visit or call us at 888.678.0444 to learn how collaboration can help your financial instituation succeed.

COCC • 100 Executive Boulevard, Southington, CT 06489 • 888.678.0444 • 28 | Banking Solutions 2014

Banking Solutions 2014  
Banking Solutions 2014