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Tracy Franzoso currently serves as a Commercial Credit Analyst at The Harbor Bank of Maryland, starting in November 2015, where responsibilities include analyzing tax returns and financial statements for new loans, modifications, renewals, and annual loan reviews, as well as evaluating commercial real estate transactions and maintaining credit worthiness of the loan portfolio. Prior experience includes the role of Credit Administration Manager and credit analyst at Jarrettsville Federal Savings and Loan from January 2014 to February 2015, overseeing a diverse loan portfolio and conducting comprehensive loan analyses. Tracy also held the position of Processing Manager at Eastern Savings Bank from November 1995 to November 2013, managing a team while efficiently processing a high volume of loan files. Tracy earned a Bachelor's degree in International Business from Towson University between 1981 and 1985.