The Team
The Team
WHO WE ARE
Meet Our Team
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Gretchen S. Wilcox
President and Founder- gwilcox@gswilcox.com
- 973-538-0008 x111
-
Bridget B. Wilcox
Partner- bwilcox@gswilcox.com
- (973) 538-0008 ext. 133
-
Wesley Wilcox
Partner- wwilcox@gswilcox.com
- (973) 538-0008 ext. 124
Gretchen S. Wilcox
President & 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. Gretchen has grown the firm to become one of the most successful independently owned commercial mortgage banking firms in the country with a loan servicing portfolio of over $1.6 billion. She has regularly been designated as the top loan producer for numerous local, regional, and national lenders. Additionally, the firm still remains the only female founded commercial mortgage banking firm in the nation.
Gretchen remains actively involved in all aspects of the business and guides the team towards achieving any objectives their clients set forth. Gretchen is or has also been involved in numerous industry organizations throughout her career. She has served on the National Board of NAIOP and was a Trustee for its New Jersey Chapter for 15 years. Gretchen also previously served on the Board of Directors for the New Jersey Chamber of Commerce for more than a decade and has been involved with the Meadowlands Chamber of Commerce, IOREBA, ULI, the Advisory Board for the Rutgers Center for Real Estate, and the Mortgage Bankers Association. Furthermore, she has regularly been recognized by numerous publications, to include NJ Biz, ROI-NJ, and Real Estate NJ, as one of the most influential people in New Jersey real estate and business. In 2024, she was featured as one of the top 60 most influential people in business in New Jersey by ROI-NJ and was also named as the most influential woman in business in the state.
Due to her robust track record and status as a trail blazer in the industry, Gretchen is regularly featured as a speaker/panelist at numerous industry/state events. She has also been the recipient of some the industry’s top awards which include the Financial Tribute Award (Boy Scouts of America, 2008), Community Impact Award (Crossing Boarders, 2009), the Pillar Award (NAIOP, 2011), Industry Service Award (NAIOP, 2019), Legacy Award (Meadowlands Chamber of Commerce, 2022), Hall Fame Inductee (NAIOP, 2022), and the Champions of the C-Suite Award (ROI-NJ/NJ Chamber of Commerce, 2023).
Gretchen is equally passionate about helping child-victims of domestic violence. In 1998 she created The Daniel J. Wilcox Memorial Fund, in honor of her late husband, to send children to The Daniel J. Wilcox Camp Hope 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 gwilcox@gswilcox.com or 973-538-0008 x111.
- gwilcox@gswilcox.com
- 973-538-0008 x111
Bridget B. Wilcox
Partner
As a Partner at G.S. Wilcox & Co., Bridget is responsible for assisting with managing the firm’s operations and originating debt and equity financings. She is also tasked with growing the firm’s client base and expanding the firm’s capabilities.
Bridget is a licensed Real Estate Salesperson in New Jersey. 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).
Bridget is currently co-chair of NAIOP NJ’s Developing Leaders Committee and a member of the Morris Arts Board of Trustees. In addition to her passion for golf, Bridget enjoys hiking in the Adirondacks and traveling. She resides with her husband Glen and daughter Scarlett in Bernardsville, NJ. Bridget can be reached at (973) 538-0008 ext. 133 or bwilcox@gswilcox.com.
- bwilcox@gswilcox.com
- (973) 538-0008 ext. 133
Wesley Wilcox
Partner
As a Partner at G.S. Wilcox & Co., Wesley assists with overseeing the origination and overall business functions of the firm. He is charged with expanding the firm’s client relationships as well as leading several new initiatives for the firm. Since joining G.S. Wilcox & Co. in 2016, he’s consistently grown the firm’s client base and established new lending relationships, playing an instrumental role in growing the firm’s servicing portfolio to $1.7 billion. 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 and holds a leadership position with the New Jersey Chapter of NAIOP where he serves as a Trustee. He also serves on the boards of the New Jersey Chamber of Commerce and the Kislak Real Estate Institute at Monmouth University. Additionally, he has regularly been recognized by numerous publications, to include NJ Biz, ROI-NJ, and Real Estate NJ, as one of the most influential people in New Jersey real estate and business. In 2025 he was recognized as a leader in finance by NJ Biz and in 2024 was featured as one of the top 25 most influential people in Real Estate in New Jersey by ROI-NJ.
He is active with the Jersey Women’s Battered Shelter (JBWS), the Washington Association of New Jersey, and also serves on the Associate Board of Ambassadors for the Morristown Medical Center. 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.
Wesley is an avid fly fisherman who also enjoys playing golf and traveling. He can be reached at (973) 538-0008 ext. 124 or wwilcox@gswilcox.com.
- wwilcox@gswilcox.com
- (973) 538-0008 ext. 124
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Al Raymond
Principal- araymond@gswilcox.com
- (973) 538-0008 ext. 115
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David J. Fryer
Principal- dfryer@gswilcox.com
- (973) 538-0008 ext. 126
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Joseph N. Smerdon, Jr.
Principal- jsmerdon@gswilcox.com
- (973) 538-0008 ext.113
Al Raymond
Principal
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 araymond@gswilcox.com.
- araymond@gswilcox.com
- (973) 538-0008 ext. 115
David J. Fryer
Principal
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 and enjoys fly fishing and golf. David can be reached at (973) 538-0008 ext. 126 or dfryer@gswilcox.com.
- dfryer@gswilcox.com
- (973) 538-0008 ext. 126
Joseph N. Smerdon, Jr.
Principal
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 $1.5B 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 jsmerdon@gswilcox.com.
- jsmerdon@gswilcox.com
- (973) 538-0008 ext.113
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Will Gallagher
Senior Financial Analyst- wgallagher@gswilcox.com
- (973)-538-0008 ext. 131
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Andrea Fiorenza
Financial Analyst- afiorenza@gswilcox.com
- (973) 538-0008 x114
-
Nicole Jacobs
Assistant Vice President Loan Closings & Servicing- njacobs@gswilcox.com
- (973)-538-0008 ext. 129
Will Gallagher
Senior Financial Analyst
As a Senior Financial Analyst for the Originations team, Will is tasked with assisting with all facets of the origination process. These tasks include detailed market analysis, underwriting, preparing in depth offering memorandums, and supporting the transaction through the closing process. He also helps track G.S. Wilcox & Co’s lending network and training new analysts. Will began gravitating towards Real Estate Finance after shadowing his brother at Monarch Investment & Management Group.
He graduated in 2017 from Bergen Catholic High School and in 2021 cum laude from Bucknell University. At Bucknell he earned a BSBA in Accounting & Finance with a concentration in Finance and coursework in Real Estate and Data Analytics. During Will’s Junior spring semester, he studied abroad in Prague, Czech Republic. He is currently a Master’s candidate at New York University’s Schack Institute of Real Estate.
In 2023, Will was selected by the Meadowlands Chamber in their “50 under 30” emerging leaders. He is a licensed Real Estate Salesperson in the State of New Jersey. Will can be reached at (973)-538-0008 ext. 131 or wgallagher@gswilcox.com.
- wgallagher@gswilcox.com
- (973)-538-0008 ext. 131
Andrea Fiorenza
Financial Analyst
As a Financial Analyst on the Originations team at G.S. Wilcox & Co., Andrea is tasked with underwriting transactions, which includes analyzing rent rolls, building pro formas, and conducting market research. He also prepares offering memorandums and pitchbooks to present financing opportunities to lenders and investors. In addition, Andrea works on market reports to provide clients with valuable insights into industry trends and conditions.
He graduated in 2019 from Oratory Preparatory High School and in 2024 from Montclair State University. At Montclair State he earned a BA in Economics while starting on the Men’s Varsity Lacrosse team. During Andrea’s time at Montclair State he also ran the Real Estate Society, a business school organization with over 300 members.
In 2023, Andrea served as a Fall Analyst with Cushman & Wakefield’s Tri-State Capital Markets Group. His responsibilities included developing detailed cash flow projections using Excel and Argus, and preparing comprehensive Offering Memorandums. Andrea also leveraged advanced market research and due diligence tools such as CoStar, Reonomy, and Yardi.
He can be reached at (973)-538-0008 ext. 114 or afiorenza@gswilcox.com.
- afiorenza@gswilcox.com
- (973) 538-0008 x114
Nicole Jacobs
Assistant Vice President Loan Closings & Servicing
As Assistant Vice President Loan Closings & Servicing Nicole coordinates all aspects of the closing process once a deal has been committed through closing. She handles the company’s legal document review and works within the servicing department to handle various loan servicing duties including insurance, UCCs, post-closing obligations, loan events, and the annual inspection process. Nicole began her real estate career working at Max Spann Real Estate & Auction Co. throughout college followed by a long-standing position at The Silverman Group as their Director of Project Management.
Nicole graduated from University of Vermont in 2014 with a major in Japanese language and a minor in biology. When she is outside of work, she enjoys crafting, baking, and spending time outside with her two dogs. She can be reached at (973) 538-0008 ext. 129 or njacobs@gswilcox.com
- njacobs@gswilcox.com
- (973)-538-0008 ext. 129
-
Daniel Moffa
Loan Servicing Analyst- dmoffa@gswilcox.com
- (973) 538-0008 x116
Daniel Moffa
Loan Servicing Analyst
As Loan Servicing Analyst, Dan oversees loan operations, ensuring accuracy in financial tasks, and supporting compliance through certification verification and audit assistance. This includes tasks like bank reconciliations, loan payments, escrow analysis, system updates, report creation, loan event processing and other loan servicing related responsibilities. Dan started his career in personal banking, then transitioned to consumer loan processing, and later expanded his expertise as a commercial credit analyst, underwriting both C&I and CRE deals.
Dan graduated from Drew University in 2014 with an Economics degree with a focus in econometrics. He resides in Morris County with his fiancée and two orange cats, and in his free time, he enjoys playing guitar, cycling, and gardening. Dan can be reached at (973) 538-0008 ext. 116 or dmoffa@gswilcox.com.
- dmoffa@gswilcox.com
- (973) 538-0008 x116
-
Gretchen S. Wilcox
President and Founder -
Bridget B. Wilcox
Partner -
Wesley Wilcox
Partner -
Al Raymond
Principal -
David J. Fryer
Principal -
Joseph N. Smerdon, Jr.
Principal -
Will Gallagher
Senior Financial Analyst -
Andrea Fiorenza
Financial Analyst -
Nicole Jacobs
Assistant Vice President Loan Closings & Servicing -
Daniel Moffa
Loan Servicing Analyst
Gretchen S. Wilcox
President and Founder
Gretchen S. Wilcox
President & 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. Gretchen has grown the firm to become one of the most successful independently owned commercial mortgage banking firms in the country with a loan servicing portfolio of over $1.6 billion. She has regularly been designated as the top loan producer for numerous local, regional, and national lenders. Additionally, the firm still remains the only female founded commercial mortgage banking firm in the nation.
Gretchen remains actively involved in all aspects of the business and guides the team towards achieving any objectives their clients set forth. Gretchen is or has also been involved in numerous industry organizations throughout her career. She has served on the National Board of NAIOP and was a Trustee for its New Jersey Chapter for 15 years. Gretchen also previously served on the Board of Directors for the New Jersey Chamber of Commerce for more than a decade and has been involved with the Meadowlands Chamber of Commerce, IOREBA, ULI, the Advisory Board for the Rutgers Center for Real Estate, and the Mortgage Bankers Association. Furthermore, she has regularly been recognized by numerous publications, to include NJ Biz, ROI-NJ, and Real Estate NJ, as one of the most influential people in New Jersey real estate and business. In 2024, she was featured as one of the top 60 most influential people in business in New Jersey by ROI-NJ and was also named as the most influential woman in business in the state.
Due to her robust track record and status as a trail blazer in the industry, Gretchen is regularly featured as a speaker/panelist at numerous industry/state events. She has also been the recipient of some the industry’s top awards which include the Financial Tribute Award (Boy Scouts of America, 2008), Community Impact Award (Crossing Boarders, 2009), the Pillar Award (NAIOP, 2011), Industry Service Award (NAIOP, 2019), Legacy Award (Meadowlands Chamber of Commerce, 2022), Hall Fame Inductee (NAIOP, 2022), and the Champions of the C-Suite Award (ROI-NJ/NJ Chamber of Commerce, 2023).
Gretchen is equally passionate about helping child-victims of domestic violence. In 1998 she created The Daniel J. Wilcox Memorial Fund, in honor of her late husband, to send children to The Daniel J. Wilcox Camp Hope 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 gwilcox@gswilcox.com or 973-538-0008 x111.
Bridget B. Wilcox
Partner
Bridget B. Wilcox
Partner
As a Partner at G.S. Wilcox & Co., Bridget is responsible for assisting with managing the firm’s operations and originating debt and equity financings. She is also tasked with growing the firm’s client base and expanding the firm’s capabilities.
Bridget is a licensed Real Estate Salesperson in New Jersey. 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).
Bridget is currently co-chair of NAIOP NJ’s Developing Leaders Committee and a member of the Morris Arts Board of Trustees. In addition to her passion for golf, Bridget enjoys hiking in the Adirondacks and traveling. She resides with her husband Glen and daughter Scarlett in Bernardsville, NJ. Bridget can be reached at (973) 538-0008 ext. 133 or bwilcox@gswilcox.com.
Wesley Wilcox
Partner
Wesley Wilcox
Partner
As a Partner at G.S. Wilcox & Co., Wesley assists with overseeing the origination and overall business functions of the firm. He is charged with expanding the firm’s client relationships as well as leading several new initiatives for the firm. Since joining G.S. Wilcox & Co. in 2016, he’s consistently grown the firm’s client base and established new lending relationships, playing an instrumental role in growing the firm’s servicing portfolio to $1.7 billion. 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 and holds a leadership position with the New Jersey Chapter of NAIOP where he serves as a Trustee. He also serves on the boards of the New Jersey Chamber of Commerce and the Kislak Real Estate Institute at Monmouth University. Additionally, he has regularly been recognized by numerous publications, to include NJ Biz, ROI-NJ, and Real Estate NJ, as one of the most influential people in New Jersey real estate and business. In 2025 he was recognized as a leader in finance by NJ Biz and in 2024 was featured as one of the top 25 most influential people in Real Estate in New Jersey by ROI-NJ.
He is active with the Jersey Women’s Battered Shelter (JBWS), the Washington Association of New Jersey, and also serves on the Associate Board of Ambassadors for the Morristown Medical Center. 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.
Wesley is an avid fly fisherman who also enjoys playing golf and traveling. He can be reached at (973) 538-0008 ext. 124 or wwilcox@gswilcox.com.
Al Raymond
Principal
Al Raymond
Principal
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 araymond@gswilcox.com.
David J. Fryer
Principal
David J. Fryer
Principal
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 and enjoys fly fishing and golf. David can be reached at (973) 538-0008 ext. 126 or dfryer@gswilcox.com.
Joseph N. Smerdon, Jr.
Principal
Joseph N. Smerdon, Jr.
Principal
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 $1.5B 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 jsmerdon@gswilcox.com.
Will Gallagher
Senior Financial Analyst
Will Gallagher
Senior Financial Analyst
As a Senior Financial Analyst for the Originations team, Will is tasked with assisting with all facets of the origination process. These tasks include detailed market analysis, underwriting, preparing in depth offering memorandums, and supporting the transaction through the closing process. He also helps track G.S. Wilcox & Co’s lending network and training new analysts. Will began gravitating towards Real Estate Finance after shadowing his brother at Monarch Investment & Management Group.
He graduated in 2017 from Bergen Catholic High School and in 2021 cum laude from Bucknell University. At Bucknell he earned a BSBA in Accounting & Finance with a concentration in Finance and coursework in Real Estate and Data Analytics. During Will’s Junior spring semester, he studied abroad in Prague, Czech Republic. He is currently a Master’s candidate at New York University’s Schack Institute of Real Estate.
In 2023, Will was selected by the Meadowlands Chamber in their “50 under 30” emerging leaders. He is a licensed Real Estate Salesperson in the State of New Jersey. Will can be reached at (973)-538-0008 ext. 131 or wgallagher@gswilcox.com.
Andrea Fiorenza
Financial Analyst
Andrea Fiorenza
Financial Analyst
As a Financial Analyst on the Originations team at G.S. Wilcox & Co., Andrea is tasked with underwriting transactions, which includes analyzing rent rolls, building pro formas, and conducting market research. He also prepares offering memorandums and pitchbooks to present financing opportunities to lenders and investors. In addition, Andrea works on market reports to provide clients with valuable insights into industry trends and conditions.
He graduated in 2019 from Oratory Preparatory High School and in 2024 from Montclair State University. At Montclair State he earned a BA in Economics while starting on the Men’s Varsity Lacrosse team. During Andrea’s time at Montclair State he also ran the Real Estate Society, a business school organization with over 300 members.
In 2023, Andrea served as a Fall Analyst with Cushman & Wakefield’s Tri-State Capital Markets Group. His responsibilities included developing detailed cash flow projections using Excel and Argus, and preparing comprehensive Offering Memorandums. Andrea also leveraged advanced market research and due diligence tools such as CoStar, Reonomy, and Yardi.
He can be reached at (973)-538-0008 ext. 114 or afiorenza@gswilcox.com.
Nicole Jacobs
Assistant Vice President Loan Closings & Servicing
Nicole Jacobs
Assistant Vice President Loan Closings & Servicing
As Assistant Vice President Loan Closings & Servicing Nicole coordinates all aspects of the closing process once a deal has been committed through closing. She handles the company’s legal document review and works within the servicing department to handle various loan servicing duties including insurance, UCCs, post-closing obligations, loan events, and the annual inspection process. Nicole began her real estate career working at Max Spann Real Estate & Auction Co. throughout college followed by a long-standing position at The Silverman Group as their Director of Project Management.
Nicole graduated from University of Vermont in 2014 with a major in Japanese language and a minor in biology. When she is outside of work, she enjoys crafting, baking, and spending time outside with her two dogs. She can be reached at (973) 538-0008 ext. 129 or njacobs@gswilcox.com
Daniel Moffa
Loan Servicing Analyst
Daniel Moffa
Loan Servicing Analyst
As Loan Servicing Analyst, Dan oversees loan operations, ensuring accuracy in financial tasks, and supporting compliance through certification verification and audit assistance. This includes tasks like bank reconciliations, loan payments, escrow analysis, system updates, report creation, loan event processing and other loan servicing related responsibilities. Dan started his career in personal banking, then transitioned to consumer loan processing, and later expanded his expertise as a commercial credit analyst, underwriting both C&I and CRE deals.
Dan graduated from Drew University in 2014 with an Economics degree with a focus in econometrics. He resides in Morris County with his fiancée and two orange cats, and in his free time, he enjoys playing guitar, cycling, and gardening. Dan can be reached at (973) 538-0008 ext. 116 or dmoffa@gswilcox.com.