JOHN S. MAZZOCCHI, JR.

20010 Cherry Hill Circle

Hagerstown, MD 21742
H: 301-790-5080
Cell: 301-667-7720
jm10c0c34@westpost.net

TECHNICAL EXPERTISE:
. Community and Small Business Lending . SBA Financing
. Middle Market and Corporate Lending . Consumer, Retail and Executi
ve Banking
. Commercial Real Estate Lending . Cash Management
. Credit and Loan Administration . Loan Review, Loan Work
out and Collections
MANAGERIAL EXPERTISE:
. Corporate and divisional level administration . Staff implementation, motiv
ation and training
. Marketing and strategic planning . Product development a
nd implementation
. Business development and sales . Turnaround strategies
PROFESSIONAL EXPERIENCE:

MFB ADVISORY SERVICES, Towson, MD (Sept. 2005-Present)

MANAGING DIRECTOR/CREDIT RISK REVIEW CONSULTANT
Retained to manage the credit review subsidiary of Maryland Financial Bank. I or
ganize and manage the credit review examinations including loan review, credit a
dministration and personnel evaluations. Advisory also assists with due-diligenc
e work, credit administration evaluation and ALLL review and evaluations. Client
s are primarily in the Baltimore-Washington corridor. I coordinate the scheduli
ng of all client exams and requisite consultants. I personally conduct fieldwork
and exit interviews. I prepare final reports and make presentations to Bank/FC
U Management and/or Board of Directors/Audit Committee. I have also functioned a
s an intermediary with federal regulators. During my tenure, the client base inc
reased threefold and revenues have more than doubled.

RIGGS BANK, NA, Washington DC, (Dec. 2004 - June 2005)

GROUP VICE PRESIDENT, MANAGER - LOAN REVIEW DEPARTMENT
Hired to manage the Credit Risk Review function and assist the Chief Risk Office
r in the implementation of an enterprise-wide risk program that will insure the
integrity of the Bank's portfolio and lending operations. By streamlining the p
rocess, the department was able to complete all assigned examinations and comple
te several limited-scope examinations and special projects not included in appro
ved schedule. Created a Special Assets function as well as coordinated the imple
mentation of a computerized loan-sampling program. I had final authority regard
ing all risk ratings and reported monthly to the Audit Committee. Department eli
minated with the acquisition of Riggs by PNC Bank.

INDUSTRIAL BANK, NA, Washington DC, (Jan. 1999 - Oct. 2003)

SENIOR VICE PRESIDENT, CHIEF CREDIT OFFICER
Hired to develop and implement a traditional credit culture in an effort to comp
ly with the restrictions imposed by a Formal Agreement with the OCC. The Agreeme
nt was rescinded in favor of an agreement directed at compliance issues. Asset
Quality was given a CAMELS rating of 2. Responsibilities include loan administra
tion, loan documentation, credit analysis, loan review and loan workout. Report
ing directly to the Chairman of the Board, I continually assessed the policies a
nd procedures utilized by the lending personnel of the bank, making the changes
necessary to assure the integrity of the portfolio. I evaluated the performance
of the lending team relative to credit quality. I had veto authority over all lo
ans in excess of $100,000 and I had final approval on all risk ratings. I was C
hairman of the Problem Loan Committee and a member of the Directors Loan Committ
ee, Strategic Planning Committee, Senior Management Committee and Asset/Liabilit
y Committee. I coordinated all regulatory examinations and external and interna
l loan review audits. I was also responsible for policy development and implemen
tation. Since joining the Bank, Classified loans were reduced from $12 million t
o less than $5 million. Non-accrual Loans were reduced from $7 million to less
than $1.3 million. In less than two years, the Bank returned to profitability w
ith fiscal 1999 reflecting a $3 million turnaround, rebounding from a loss of $1
.2 million in 1998 to a profit of $1.8 million in 1999; $2.2 million in 2000; $2
.9 million in 2001; and $2.5million in 2002. This was in part the result of my
intervention and the implementation of policies and procedures that resolved the
existing problems and should assure future problems will be avoided. As a membe
r of the Senior Management Committee, I was accountable for the performance of t
he Credit Dept., Loan Documentation Dept., Special Assets Dept., Collections Dep
t. and the Loan Operations Dept.

MARYLAND PERMANENT BANK, Owings Mills, MD (Jan. 1997-Nov. 1998)

PRESIDENT, CEO AND MEMBER, BOARD OF DIRECTORS
Responsibilities included the day-to-day management of all aspects of the instit
utions operation, particularly the commercial lending operation. During my tenu
re, the bank increased its asset size by 82%; improved its ROA from .95 to 1.3%;
and maintained an efficiency ratio of 39%. The delinquency ratio improved from
8% to 1.9%. MPB was named one of Maryland's most small business friendly banks
by the SBA. Deposit growth kept pace with loan growth by introducing several ne
w deposit products and enhancing the banks sales culture through training and in
centive and marketing programs. MPB opened its second location and was negotiati
ng for a third location. I was responsible for negotiations to acquire a mutual
savings bank, a leasing company and a mortgage company, all to be part of a newl
y created holding company. I coordinated the transition to a totally new compute
r and communication system to prepare for the introduction of new financial prod
ucts and services and additional branches. All significant projects were develop
ed and coordinated through the Senior Management Committee utilizing the experti
se of all staff including bank officers and Directors. Member of the Loan Commi
ttee, Executive Committee and Marketing Committee.

HAGERSTOWN TRUST COMPANY, Hagerstown, MD (Dec. 1992-Dec.1996)

VICE PRESIDENT, MANAGER, COMMERCIAL BANKING DEPARTMENT
Employed by HTC, a $400 million community bank under an MOU, to affect a turnaro
und in the Commercial Banking Dept. After segregating the commercial portfolio
, responsibilities included formulating the policies and procedures that governe
d the department. The portfolio rating improved from an average rating of 4.57 t
o 2.98 and the Past-Due Ratio declined from 6% to 2%. The MOU was lifted in 10 m
onths. Implemented a marketing program that resulted in an increase in the comme
rcial portfolio; expanded market share; and enhanced community involvement. This
was accomplished by improving calling efficiency; developing a sales strategy a
nd cross-sell goals; motivating staff to exceed goals; becoming actively involve
d in community affairs; working closely with branch personnel; and soliciting th
e support of the Board of Directors. The loan portfolio increased by 25% per ye
ar to total outstandings of $200 million.

OFFICE OF THE COMPTROLLER OF THE CURRENCY, Washington, D.C. (1992)

CREDIT EXPERT, NORTHEASTERN DISTRICT
As a Grade Level 16, reviewed complex commercial and industrial, and real estate
loan files to assure compliance with federal regulations and prudent underwriti
ng standards. Functioned as the Examiner-in-Charge or Team Leader managing teams
of file readers and credit experts. Conducted formal loan discussions with seni
or management of respective banks and prepared written evaluations of the qualit
y of their loan portfolios, policy and procedures and staff. The position was a
contract engagement and offered no permanency.

PERPETUAL SAVINGS BANK, McLean, VA (1990-1992)

VICE PRESIDENT, MANAGER, COMMUNITY BANKING DIVISION
Managed the commercial lending, private banking and cash-management activity in
No. Virginia, Washington D.C. and the Baltimore-Washington corridor for this $6
billion institution. Focused on corporate and commercial businesses, and high ne
t worth individuals. Also managed the Consumer Lending Group responsible for ho
me equity lines of credit, home improvement loans and personal lines of credit.
The Community Banking portfolio increased by nearly 100% to $600 million during
my tenure with a corresponding increase in deposits. The Division was eliminate
d with the acquisition of Perpetual by Crestar Bank.

FWB BANK OF MARYLAND, Rockville, MD (1988-1990)

VICE PRESIDENT, CHIEF LENDING OFFICER
Managed the lending division of this $89 million community bank that was respons
ible for all extensions of commercial and consumer credit in Montgomery County,
Prince George's County and Northern Virginia. As a member of the Executive Mana
gement Committee, assumed an active part in the day-to-day management of the Ban
k, including asset and liability management, strategic planning and personnel ad
ministration. Assumed the responsibilities of the CEO in the absence of the Pre
sident. The loan portfolio increased from $35 million to $75 million.

FIRST NATIONAL BANK OF MARYLAND, Rockville, MD (1985-1988)

VICE PRESIDENT, METROPOLITAN COMMERCIAL LOANS
Originally hired to replace the New York LPO manager of this $8 billion regional
bank. As a result of the acquisition of the Bank, the office was closed before
transition could take place. Relocated to Maryland as a Vice President, Senior
Commercial Loan Officer responsible for marketing and servicing middle-market c
ompanies in the Greater Washington area. As Team Leader, responsibilities focus
ed primarily on new business development. My personal portfolio increased from
a zero base to approximately $50 million. My team had an overall increase of $1
10 million.

BANK HAPOALIM BM, New York, NY (1980-1985)

VICE PRESIDENT, CORPORATE BANKING GROUP
Joined Bank Hapoalim as Assistant Vice President to establish and manage the CRE
DIT ADMINISTRATION DEPARTMENT and the CREDIT DEPARTMENT of this $25 billion Isra
eli bank. Responsibilities included writing and administering all credit polici
es for the Bank; managing both departments; and acting as member and Chairman of
the Loan Committee. Subsequently, assumed responsibility as a NEW BUSINESS DEVE
LOPMENT TEAM LEADER focusing on middle-market companies with credit needs up to
$25 million in the New York Tri-State region. Increased the loan portfolio by $
300 million while acting as Team Leader.

CREDIT LYONNAIS, New York, NY (1975-1980),

VICE PRESIDENT, MANAGER, TECHNICAL ASSISTANCE DIVISION
Joined Credit Lyonnais, a $100 billion French bank, in 1975 as Sr. Credit Analys
t. In 1976, promoted to Asst. Secretary. In 1977, promoted to Asst. Treasurer,
Manager of the TECHNICAL ASSISTANCE DIVISION (Credit Administration). Responsi
bilities included coordinating all credit approval and credit administration fun
ctions for the U.S. operation; underwrite all commercial transactions; monitor p
ortfolio performance; direct loan workouts; coordinate all projects with Paris h
eadquarters.

PRIOR TO CREDIT LYONNAIS, SENIOR CREDIT ANALYST AT THE BANK OF NEW YORK AND MARI
NE MIDLAND BANK WHILE ATTAINING MY COLLEGE DEGREE. I SUCCESSFULLY COMPLETED THE
BNY MANAGEMENT TRAINING PROGRAM.

EDUCATION:
ST. JOHN'S UNIVERSITY, New York, NY, Bachelor of Arts
BAI Certified Risk Profession