JOHN R SCHOFIELD 151 Crandon Blvd, Apt 922 786-459-2205 Cell SUMMARY AND KEY ACHIEVEMENTS

Key Biscayne, FL 33149

js115a460@westpost.net

EXTENSIVE LEADERSHIP EXPERIENCE (30+ YEARS) IN RETAIL LENDING WHICH INCLUDES BUT IS NOT LIMITED TO CONSUMER, BUSINESS BANKING, MORTGAGE BANKING & SPECIALTY PROD UCT LENDING. EXPERIENCE WITHIN THESE PRODUCT LINES INCLUDES PRODUCTION, PROCESS , CREDIT, SERVICING, P&L MANAGEMENT, STRATEGIC PLANNING, PRODUCT DEVELOPMENT, CU STOMER SERVICE, TELEBANKING AND BRANCH BANKING. RESULTS-ORIENTED TEAM LEADER AD EPT AT PROBLEM SOLVING, ENHANCEMENT, MARKET ANALYSIS AND MANAGED RISK TAKING. S TRONG LISTENING, COMMUNICATION AND INTERPERSONAL SKILLS. KEEN SENSE OF BOTTOM-L INE PROFITABILITY. Broad-based Revenue Generation and Marketplace Expansion Manage Mortgage Banking Sales operation (South Florida), increasing production and increased profitability by $2.5+ million (year over year) and +/- $500 milli on annual volume * Managed portfolios (Consumer, Business Banking, Mortgage) in excess of $8 bill ion including origination, credit and servicing that resulted in delinquency lev els of 1.5% and loan losses of under 50 Basis Points * Led major financial institution to $1+ billion in retail lending/business bank ing assets with $60 million per month origination. Developed from zero bases wit hin 5 years * Directed product development based upon changing market conditions- Mortgage, Business Banking and Home Equity products, including Risk Based Pricing for thes e products. * Sold $120 million of student loans resulting in$1.8 million net profit * Negotiated and sold wholly owned subsidiary to GE Capital resulting in $3.5 mi llion * Established 400-person operation to originate process and service retail loan assets resulting in 1.35% ROA. * Developed bank-wide customer service/telebanking unit resulting in additional loan volumes of $24 million and $120 million of new deposits * Founded and developed loan servicing operation resulting in 2000% ROI over 6 y ears Operation Efficiency, Organizational Development and Cash Flow Management * Participated in major bank-wide process redesign to streamline credit function , servicing and collections reducing annual expenses by $6.5 million * Added $14+ million to bottom line annually through retail lending transactions and development of 10 loan production offices and 4 regional processing centers * Redesigned major lending operation resulting in 20% reduction of operating exp ense and $25 million recovery * Technology Implementation of 3 major front-end systems for business banking, c onsumer lending and mortgage. * Streamlined banks entire customer service function into one unit with telebank ing resulting in millions of dollars in new originations. * Jointly developed consumer loan application processing/funding system that was eventually sold to Fiserv. * Developed branch sales volumes and customer service standards resulting in inc reased volumes and relationship retention. * Bought and sold over $500 million of loan assets. * Managed asset acquisitions, sales and due diligence of third party financial i nstitutions PROFESSIONAL EXPERIENCE City National Bank of Florida, Miami, Florida 2009 2010

Senior Vice President- Risk Director- Retail/Business Banking/Mortgage Implemented 3 front end origination/processing systems, product guidelines, pro cess procedures and underwriting guidelines for Retail Lending, Business Banking & Mortgage Lending along with Risk Base Pricing Regions Bank- Union Planters Bank, NA, Miami, Florida 2004 2009 Senior Vice President-Regional Mortgage Production Manager * Managed and directed 6 mortgage production units and centralized processing un it. Participated in structuring of MLO & Production Manager compensation plans, New hire 6 month On-boarding program, etc. Restructured pricing resulting in $ 2.5 million increased to Pre-tax profit. Annual volume of +/- $500 million AmeriFirst Funding Inc., Ft Lauderdale, FL 2002- 2004 President * Owned and operated a mortgage loan origination company. Originate and sell to 25 different investors for the State of Florida. Originated annually +/-$60 mil lion. * Regions Bank- Union Planters Bank, NA, Miami, Florida 1998 - 2002 Senior Vice President- Credit Center Manager * Created, developed and managed credit center for business banking (small busin ess lending $2.5 million), SBA, mortgage, home equity, consumer direct/indirect, and specialty products for 7 states including loan servicing. * Installed 2 major front-end systems for business banking and consumer lending for efficient delivery of loan products. Interface with 3 major market Presiden ts for 7 states to achieve loan volume growth. * Origination responsibilities for home equity, indirect and specialty products (consumer loans) * Created and administered mortgage, home equity and consumer loans for the Flor ida Region including pricing responsibilities. Consumer Asset Management, Inc., Miami, Florida 1991 1998 President * Founded and developed loan servicing company for financial institutions for mo rtgage, commercial and consumer loans with 2000% ROI. * Responsible for all operations, profitability, systems, pricing structures, ne gotiation of contracts, client reporting and client relations. AmeriFirst Bank, Miami, Florida 1989 1991 Senior Vice President * Directed retail-lending area of $700 million with 20% reduction in operational expense and 35% reduction in delinquency. * Accountable for 65 branches, created Convenience Banking Center encompassing a ll customer service functions with telebanking arm resulting in $24 million of l oan volume, $120 million of new deposits, service level of 92%, less than 2% aba ndoned calls and average time on hold of 12 seconds. * Bought and sold over $250 million of loan assets. * Negotiated and completed sale of First New England Financial Corp. (wholly own ed subsidiary) to GE Capital. Company originated documented yacht loans & secon d mortgages nationwide. CenTrust Bank, Miami, Florida 1984 1989 Senior Vice President / Division Head * Started retail lending division nationwide from zero to 44,000 accounts and $8 50+ million outstanding, $45 million per month volume, 10-loan production center s, and 4 regional processing centers for small business, mortgage and consumer. * Delinquency levels of 1.5% and losses of 50 Basis Points. Responsible for ori gination, credit approval, processing, funding and servicing. Bought and sold o ver $300 million of loan assets. * Restructured student loan division encompassing, 100,000 accounts and $270 mil

lion outstanding. * Negotiated and sold $120 million of student loans to Sally Mae resulting in $1 .8 million profit and recovered $25 million of L77As (uninsured loans). Respons ible for origination, processing and servicing. * Jointly developed consumer loan processing/funding tracking system subsequentl y sold to Fiserv and is being sold nationally. Manufacturers Hanover Financial Services, Inc., Philadelphia, Pennsylvania 1981 - 1984 Senior Underwriter and Marine Lending * Responsible for loan approval nationwide for loans ranging from $40,000 to $2 million (home equity loans). Member of asset acquisition team, trained field pe rsonnel in underwriting nationally. * Set up and directed direct Marine operations in Florida, Maryland, Massachuset ts and California. * Set up and operated second mortgage operation for the State of New Jersey. * Prepared and monitored operational budgets for 40 offices nationwide from 1982 through 1984. Avco Financial Services, Atlantic City, New Jersey 1977 - 1981 Managing Supervisor * Responsible for managing 5 offices in New Jersey including origination and ser vicing of unsecured, second mortgages and dealer finance. Education Trenton State College- New Jersey Business Administration 1974 - 1976 Affiliations Neighborhood Housing Services- Advisory Committee Miami Dade Mortgage Fraud Task Force- Co-Chair Business Partners Regions Chairman Club 2006, 2007, 2008