The team approach to every transaction.

The Core Team puts more than 65 years of combined experience at G.S. Wilcox & Co. to work for our clients. Each member of the team provides unique insight adding specialized skills and a keen point of view. We are driven by creativity and attention to detail while achieving synergy on your behalf. This team approach sets us apart allowing us to maintain long lasting relationships with our clients.

Gretchen S. Wilcox

President and Founder
Gretchen S. Wilcox founded G.S. Wilcox & Co. in 1994, becoming the first woman in the nation to open a commercial real estate mortgage banking firm that is a sole proprietorship.  She remains actively involved in all aspects of the business even after twenty-five years. She oversees the firm’s growing staff and guides the team towards achieving any objectives their clients set forth.  Gretchen is a member of the National Association of Industrial and Office Parks (NAIOP).  She serves on the National Board of NAIOP and has been a Trustee for its New Jersey Chapter since 2005. Gretchen previously served on the Board of Directors for the New Jersey Chamber of Commerce for more than a decade and was asked by the Governor to serve on his real estate counsel in 2008.  Mrs. Wilcox has been recognized by NJ Biz on their lists of the “Top 50 Women in Business” and the “50 Most Powerful People in Commercial Real Estate.”  Forum Magazine previously named her a “Woman of Influence”.   Most recently, she was honored by NAIOP New Jersey with the Industry Service Award for her contributions to the state’s commercial real estate scene.  Gretchen is equally passionate about helping child-victims of domestic violence.  She created The Daniel J. Wilcox Memorial Fund in honor of her late husband to send children to The Daniel J. Wilcox Camp Hope every summer in partnership with Jersey Battered Women’s Service (JBWS).  Gretchen is a graduate of Babson College with a double major in Finance and Quantitative Methods.   She can be reached at or 973-538-0008 x111.

Vice Presidents

Wesley Wilcox

Vice President
As a Vice President at G.S. Wilcox & Co., Wesley assists with the underwriting and origination functions. He is charged with expanding the firm’s client relationships as well as leading several new initiatives for the firm. Prior to joining G.S. Wilcox & Co., he worked as a financial analyst in the Institutional Properties Group at CBRE and at Bank of America Merrill Lynch as a Program Analyst in the Financing and Futures Department.  Wesley is a licensed Real Estate Salesperson in New Jersey. He is actively involved in NAIOP and serves as co-chair for the New Jersey chapter of Developing Leaders.  Wesley is also involved with ULI’s Young Leaders and several local philanthropic organizations. He holds a Master’s degree in Real Estate Finance from New York University and a Bachelor’s degree in Business Administration from Bucknell University. Wes is an avid fly fisherman who also enjoys playing golf and traveling. Wesley can be reached at (973) 538-0008 ext. 124 or
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Bridget B. Wilcox

Vice President
As a Vice President at G.S. Wilcox & Co., Bridget is responsible for originating and underwriting debt and equity financings. She is tasked with growing the firm’s client base and expanding the firm’s capabilities.  Prior to joining G.S. Wilcox & Co., she worked as a real estate investment analyst at Loews Corporation where she underwrote, negotiated, and closed over $450M of commercial mortgage loans.  Before Loews, Bridget was an analyst in UBS’s highly selective two year rotational Wealth Management Graduate Training Program.  She holds a Master’s degree in Real Estate Development from Columbia University in addition to a Bachelor’s degree in Business Management and Minor in Chinese from Bucknell University where she also captained the women’s golf team to its first NCAA Patriot League Championship her senior year.  She still holds the school record for the lowest 18-hole round at 3 under par (69). When she’s not on the golf course she enjoys competing in squash tournaments in New York City where she resides. Bridget can be reached at (973) 538-0008 ext. 133 or


Joseph N. Smerdon, Jr.

Joe has been an integral part of the firm since its founding in 1994. As Principal in Charge of Operations, he oversees all loan closings, manages the firm’s $1.2B servicing portfolio and internal management functions in addition to accounting and human resources.  Joe holds degrees in Management and Accounting, and contributes his skilled expertise to many other special projects for G.S. Wilcox & Co.  He is a licensed Real Estate Salesperson in the state of New Jersey, and lives in Somerset County with his wife and two children. Joe can be reached at (973) 538-0008 ext.113 or

Al Raymond

As Principal of the firm, Al is in charge of underwriting, origination development and IT management. He oversees all executive summaries and loan submissions and acts as liaison between the borrower and lender from application to commitment. Al is also responsible for keeping track of the local real estate markets. Al has been with the firm since 1997, and has worked in commercial banking since 1989. A licensed Real Estate Salesperson in the state of New Jersey and a graduate of Saint Peter’s College with a BS degree in Economics, Al resides in Morris County with his wife and two children. He is a former coach and Board Member/Treasurer of the Jefferson Youth Football League. Al can be reached at (973) 538-0008 ext. 115 or

David J. Fryer

David has been a Principal since 1998 and provides advice and placement of commercial real estate capital to clients who include some of the region’s leading private owners, REITs and funds.  David credits his success in this industry to the relationships fostered on both sides of the transactions.  He is a graduate of Samford University and a licensed Real Estate Salesperson in New Jersey.  David is active with IOREBA, NAIOP and ICSC.  He is also involved with Friends of the Upper Delaware River, an advocacy group working for the preservation of this great resource.  David resides in Morris County with his wife and enjoys fly fishing, woodworking and golf. David can be reached at (973) 538-0008 ext. 126 or
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John Cree

Financial Analyst
As a Financial Analyst for the Origination team, John assists with the underwriting, marketing and research functions of the firm. He is tasked with carrying out detailed market research, financial modeling and preparing executive summaries for our clients. John’s interest in financial markets began during a summer mentorship at Bank of America Merrill Lynch in 2017. The following summer, he interned at G.S. Wilcox & Co. prior to joining the firm full time in June of 2019. John graduated from Delbarton School in 2015 and Bucknell University in 2019 with a B.A. in International Relations and minors in French and Economics.  He can be reached at 973-538-0008 x116 or

Loan Closings

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Valerie Weinstein

Senior Vice President of Closings
As Senior Vice President of Closings, Valerie is responsible for all phases of the loan closing process from commitment through funding.  She serves as a primary liaison to our lenders and borrowers in this role.  Valerie is also a senior member of our Servicing Department where she provides critical support with lender certifications, lease analysis, property inspections, escrow analysis, and insurance compliance for the firm’s $1.2B portfolio.   Valerie joined G.S. Wilcox & Co. in 2006 and draws on more than 25 years of commercial mortgage finance experience, beginning her career at New York Life Insurance company and taking on positions of increasing responsibility at Commercial Mortgage Capital and Moore Title Services.  Valerie holds a BS in Business Administration from SUNY Albany and a Master’s degree in Real Estate Finance from New York University. She lives in Bergen County with her husband, three children and two dogs. Valerie can be reached at (973) 538-0008 ext. 122 or

Loan Servicing

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Adam Rueda

Financial Analyst
As a Commercial Real Estate Financial Analyst, Adam assists with most of the firm’s loan servicing functions including property inspections, portfolio analysis and loan closings. He is also tasked with applying his skills to various areas including G.S. Wilcox & Co.’s emerging acquisition and asset management divisions. Adam holds a Bachelor of Science in Business Administration from Bucknell University’s Freeman College of Management with a focus on Accounting and Financial Management as well as a minor in Philosophy. While at Bucknell, he was involved in the Student Managed Investment Fund, an exclusive two-semester course that managed part of Bucknell’s endowment and beat a benchmark weighted between SPY and the Barclay’s US Aggregate Bond Index. Adam was also Vice President of his fraternity, Sigma Phi Epsilon. Adam is an avid sports fan and enjoys rooting for the Brooklyn Nets. He lives in Warren, NJ. Adam can be reached at (973) 538-0008 ext. 129 or at
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Jacqueline F. Pereira

Executive Administrative Assistant/Marketing
Jacqueline assists with Office Administration at G.S. Wilcox & Co.  She works with the Executive, Origination, and Servicing teams on special projects in this multi-faceted role.  As the firm’s Marketer, she is responsible for creating advertising content as well as event planning.  She is heavily involved in Human Resource functions as well.  Jackie is a Magna cum laude graduate of Seton Hall University with a BA in Psychology.  She lives in Morris County with her family and enjoys visiting local museums in her spare time.  She can be reached at (973) 538-0008 ext. 110 or

G.S. Wilcox Team

G.S. Wilcox & Co. at the 2019 NAIOP Gala