In this episode of Bound by Banking, we sit down with Marc Czosnowski, a commercial lender at Rosedale Bank in Baltimore, to talk about 26 years in commercial banking and why he chose to finish his career at a community bank. Marc wanted to be a meteorologist and ended up in banking almost by accident. He shares what three mergers in six years taught him about what really changes when banks consolidate, and why automated underwriting can miss the story behind the numbers. He also explains why he came home to Rosedale, the depositor-owned bank named for the town where he grew up, to help build its commercial practice from the ground up. We close on fraud, which grew alongside digital banking, and why a banker whose clients pick up when he calls is still one of the best defenses.
