COMMUNITY HOUSING CAPITAL - Key Persons
Job Titles:
- Chairman of Audit and Risk Committee
- Chairman, Audit and Risk
- President & CEO of Habitat for Humanity of Atlanta, Inc
Alan Ferguson is President & CEO of Habitat for Humanity of Atlanta, Inc. Atlanta Habitat leads in providing affordable homeownership opportunities, building 1,700+ homes over the past 40 years. Alan's volunteer work is centered around community development, support for at-risk families, and economic empowerment. Alan serves on several boards including: Whitefoord, Inc., Atlanta Wealth Building Initiative, Inc., New Life Community Alliance, Inc., Livable Communities Council, HouseATL, Community Housing Capital, Inc., and Oikos Institute for Social Impact, Inc.. Alan is a graduate of Morehouse College, Emory University, and Georgia State University; and a member of Alpha Phi Alpha Fraternity, Inc. and the 100 Black Men of Atlanta, Inc.
As SVP and Chief Credit Officer, Mr. Saafir is responsible for supporting and protecting the loan portfolio by managing the Credit Administration Division. He provides appropriate risk oversight based on CHC's tolerances and Investor guidelines and provides strategic input at the Senior Management level to ensure balanced growth. Accountabilities include strength of underwriting, timeliness and accuracy of qualitative and quantitative reports, overall performance of the loan portfolio, and relationships with the Board, Investors, Loan Officers and other CHC Divisions. Prior to Community Housing Capital, Mr. Saafir served as a Vice President and Senior Relationship Manager with KeyBank. Mr. Saafir earned his Bachelors of Science in Business Administration with a concentration in Statistics from Bowling Green State University in Bowling Green Ohio and his Master of Business Administration from Baldwin-Wallace College in Berea, Ohio.
Job Titles:
- Chief Financial Officer
- Senior Vice President
As Senior Vice President and Chief Financial Officer, Mr. Rizvi is responsible for the development and implementation of financial risk management systems and controls, treasury management, credit quality oversight and general operations and administration management. Prior to Community Housing Capital, Mr. Rizvi served as Chief Financial Officer and Chief Operating Officer for Enclude (formerly ShoreBank International). Mr. Rizvi has a professional background in Finance and a Bachelors in Commerce.
Job Titles:
- Senior VP
- Treasurer of the Board
- Board Treasurer / Senior Vice President, National Affordable Housing Trust
Brian Robinson is a Senior VP (Originations & Capital Markets) with National Affordable Housing Trust (NAHT). With over 20 years of prior experience serving the affordable housing industry, Brian specializes in working with investors, lenders, local/state agencies and developers, including for-profit, not-for-profit and public housing agencies. He is well versed in structuring affordable housing transactions, and has a wide range of experience with owners and investors and working with numerous types of projects as well as serving in various capacities as affordable housing developer, fund manager, HFA underwriter, and in investment banking.
Brian holds a bachelor's degree in Business Administration from Loyola University of Chicago and Master's in Urban and Regional Planning from the University of Michigan. He has been involved with numerous philanthropic organizations either as a volunteer or in a Board of Director capacity and is a retired U.S. Peace Corps volunteer.
Job Titles:
- Chairman of the Governance Committee
- Chairman, Governance Committee / Retired, JPMorgan Chase Bank
Mr. Martin is the former Executive Director and Division Manager for Community Development Banking at Chase. With over 35 years of commercial real estate experience, he has financed thousands of affordable housing units and has mentored numerous community development lenders. CHC is pleased that Mr. Martin has chosen to add his expertise to the Community Housing Capital board. He serves on the board of directors of Neighborhood Housing Services of Chicago and Chicago Metropolitan Housing Development Corporation. He is also on the board of advisors of Catholic Charities of the Archdiocese of Chicago.
Job Titles:
- Chairman of the Board
- Member of the Governance Committee
- Board Chair / Member, Governance Committee / President & CEO Beyond Housing
- President and Chief Executive Officer of Beyond Housing
Chris Krehmeyer currently serves as President and Chief Executive Officer of Beyond Housing in St. Louis, Missouri. Mr. Krehmeyer has been a highly-recognized national and local leader in the community development field for more than 30 years, having served as board chair for both the National NeighborWorks® Association and Home Matters. Mr. Krehmeyer has received several distinguished service awards in the St. Louis area and is a member of the Community Housing Capital Loan Committee. Mr. Krehmeyer earned a bachelor's degree, in Urban Studies, from Washington University and an Honorary Doctorate of Human Letter Letters, University of Missouri, St. Louis.
As President and CEO of a national CDFI, Community Housing Capital, Ms. Holler brings 30+ years of strong leadership qualities and extensive experience to the housing and community development field. She has deep experience in capital aggregation, real estate lending, credit risk management, and real estate development in both the non-profit and for-profit sector with organizations that include Mercy Housing, Fannie Mae, and South Shore Bank. In these roles, she has directed or financed the development of over 10,000 units of housing, infrastructure and community facilities across the U.S., making significant impact in local neighborhoods and regional markets.
Job Titles:
- Chief Lending Officer
- SVP / Chief Loan Officer
As Chief Lending Officer, Dana Chestnut is an executive leader directly involved with all sales and business development functions. In his role as Chief Lending Officer, Mr. Chestnut is an executive leader of sales, marketing, and business development; responsible for developing and executing a comprehensive Business Development strategy to realize loan growth, community impact, and organizational sustainability. Accountabilities include sustainable growth, acceptable risk, and enhancement of CHC's brand.
Previously, Mr. Chestnut served as First Vice President for SunTrust Bank Community Development Lending, one of the nation's leading financial services companies with a solid commitment to building strong communities by helping to create successful developments in low-to-moderate income neighborhoods. Primary responsibility was to expand the Banks' lending platform throughout the Southeast market by maintaining and expanding existing relationships while strategically identifying prospects for expansion.
Mr. Chestnut has also served as First Vice President and Southeast Regional Manager of Community Development Banking for Washington Mutual Bank, where he was responsible for oversight of all sales and business development functions, including sales and deposit generation. Provided team training, coaching, and mentoring to a group of 8 associates located in Atlanta, Orlando, and Miami.
Mr. Chestnut has more than 25 years of development and finance experience in the affordable housing sector. He has been directly responsible for the financing and or underwriting of over $5 Billion of development projects with a significant emphasis on affordable housing, tax-exempt bond financing, and new market tax credits. Mr. Chestnut worked twenty-two years in the banking sector with his most recent experience as First Vice President for SunTrust Community Capital.
Mr. Chestnut holds a Bachelor of Arts, degree in Economics, from the Florida Agricultural and Mechanical University, Tallahassee, Florida.
Job Titles:
- Member of the Governance Committee
- Member of the Governance Committee / President & CEO
With 25 years of experience in addressing the complex needs of lower-income communities and leading affordable housing initiatives, Dana Hanchin serves as President and CEO of HDC MidAtlantic. Founded in 1971, HDC MidAtlantic's mission is to build hope and opportunity for all residents to reach their full potential by creating, preserving and strengthening affordable housing communities. HDC serves over 4,000 residents in 55 affordable housing communities across PA, DE and MD, employing 130+ employees with an annual budget of $11MM. Ms. Hanchin has spent her career working for organizations dedicated to advancing affordable housing which includes the Local Initiatives Support Corporation, Pennsylvania Housing Finance Agency, Women's Community Revitalization Project, Reinvestment Fund, and the City of Philadelphia. She has a Master's degree in Urban Studies from Temple University and holds a Bachelor's degree in Political Science from Kent State University. She is also a graduate of Drexel University's Leading for Change Program at the LeBow College of Business. Most recently, Ms. Hanchin received National NeighborWorks Association's 2021 Emerging Leader Award.
Job Titles:
- Member of the Audit and Risk Committee
- Member of the Board
- Managing Director of Structured Finance at the National Equity Fund
- Member of the Audit and Risk Committee / Managing Director of
Daryl Shore serves as Managing Director of Structured Finance at the National Equity Fund (NEF). Mr. Shore is an active Board member in several civic and nonprofit organizations focused on youth services and education, including Harlem Grown, Westtown School, Gesu School, and Friends of Yemin Orde. Harlem Grown is a nonprofit organization whose mission is to inspire youth to lead healthy and ambitious lives through mentorship and hands-on education in urban farming, sustainability, and nutrition. Abandoned lots in Harlem are transformed into thriving urban farms to support these youth programs that serve youth from these low-income communities in Harlem. His CHC board service includes participation on the board's Business Planning Committee. Additionally, Mr. Shore was the former Director of Inclusive Communities at Prudential, in which he serves in a hybrid role between Prudential's Corporate Social Responsibility and Impact & Responsible Investing teams. He led the company's inclusive economic growth strategy in Newark and beyond and managed impact investment deals in real estate development. In his role as Director of Inclusive Communities, he worked to improve the effectiveness of public systems and coordinated key stakeholders to increase economic opportunities for the most vulnerable and underserved communities, particularly in Newark. Currently, Mr. Shore works nationally in his role with NEF. Mr. Shore has a BA in Political Science with a minor in Economics from Emory University, an MBA in Finance from Clark University Atlanta, and an MS in Real Estate from Johns Hopkins University.
Job Titles:
- SVP / Chief Loan Administrator
As Senior Vice President and Chief Loan Administrator, Ms. Turner is responsible for managing and directing all aspects of the loan servicing function. Prior to Community Housing Capital, Ms. Turner served as a Manager of Internal Audit at SunTrust Banks with a focus on audits of loans and backroom operations. Ms. Turner earned a Bachelor of Science, Business Administration from the University of North Carolina at Chapel Hill.
Job Titles:
- CEO, Common Bond
- Member of the Executive and Finance Committee / CEO, Common Bond
- President & CEO of CommonBond Communities
Deidre Schmidt is President & CEO of CommonBond Communities. CommonBond develops, owns, manages and provides Advantages Services for approximately 7,700 units in Minnesota, Wisconsin and Iowa. CommonBond currently serves about 13,000 people, including families, seniors, people living with disabilities and those who have experienced homelessness.
Deidre's career has included positions with increasing responsibility at One Roof Global Consulting, the Affordable Housing Institute, Brighton Development, and Artspace Projects. Deidre was a Loeb Fellow at the Graduate School of Design at Harvard University and a Marshall Memorial Fellow for the German Marshall Fund, and the John T. Dunlop Lecturer at Harvard's Graduate School of Design. She currently teaches at University of Minnesota's Humphrey School of Public Affairs and serves on several boards where she shares her knowledge of the industry and personal life experience which is relevant to those in affordable housing.
Job Titles:
- Member of the Loan Committee
- Member of the Loan Committee / President & CEO, a Community of Friends
Dora Leong Gallo joined A Community of Friends in 2003 and currently serves as President & Chief Executive Officer. Dora Leong Gallo has worked in the community development field for over 30 years. Since 2003, she has served as President and CEO of A Community of Friends (ACOF). In her role, Ms. Gallo is responsible for execution of ACOF's strategic priorities and is an advocate for increasing the supply of affordable homes for those most vulnerable. Under her guidance, ACOF's portfolio has grown 240% and currently operates 41 supportive housing communities throughout Los Angeles and Orange County, housing over 2,600 people. Prior to joining ACOF, Ms. Gallo worked in local government for 12 years, for the City of Los Angeles in various capacities including six years for a local councilmember, as well as for the Culver City Redevelopment Agency. Ms. Gallo currently serves on the Board of Trustees of Enterprise Community
Partners and the National Low Income Housing Coalition. In addition to serving on numerous policy working groups, she is a member of the Affordable Housing Advisory Council of the Federal Home Loan Bank of San Francisco and the Supportive Housing Alliance, an advocacy group of supportive housing developers in Los Angeles County. Ms. Gallo received a Masters in City Planning from the Massachusetts Institute of Technology and a Bachelor of Science in Public Administration from the University of Southern California.
Job Titles:
- Member of the Audit and Risk Committee
- Member of the Audit and Risk Committee / Retired, DHIC, Inc
- President of DHIC
Since 1985 Gregg Warren has served as president of DHIC based in Raleigh, North Carolina. He has led his organization in the production of over 2,200 apartment homes in 37 different communities. DHIC's Homeownership Center touches over 350 families annually, with about one-third of these families purchasing their first home in any given year. DHIC also serves as a developer of homes and townhomes. DHIC has $150 million in assets, and serves more than 3,400 residents. He currently serves on the board of directors of the Hope Center at Pullen.
Mr. Warren earned a M.S., Regional Planning, from the University of North Carolina and completed Harvard's Achieving Excellence program at Kennedy School of Government.
Job Titles:
- CHC 's Senior Loan Officer
- Senior Loan Officer
As CHC's Senior Loan Officer, Ingrid helps originate, structure, underwrite, and monitor the loans in CHC's loan portfolio. Ingrid has worked within the NeighborWorks® America network for a decade, having spent six years as a senior lender at NeighborWorks Capital before joining the CHC team in 2016. Ms. Avots began her 30+ year career in community development finance as one of the first staff members of Capital Impact Partners. She developed her in-depth knowledge of nonprofit organizational underwriting as an analyst with Calvert Impact Capital before targeting her efforts towards the creation and preservation of affordable housing. Ingrid earned a Bachelor of Arts in Psychology from George Washington University.
Job Titles:
- Independent Commercial Real Estate Consultant
- Senior Underwriter
- VP, Credit Administration
As VP, Credit Administration, Ms. Adams is responsible for interpreting and ensuring adherence to loan policies and procedures in the presentation of clear and balanced credit approval documentation.
She works with the Chief Credit Officer to provide ongoing review, recommendation and refinement of loan policies and procedures and contributes to special credit projects related to improving efficiency and maintaining high credit quality standards.
Before joining the Community Housing Capital team and over the past 20 years, Ms. Adams has worked as an independent commercial real estate consultant, as well as, as a senior underwriting manager in a few large and mid-size commercial banks in the Atlanta area. Ms. Adams completed her Bachelor of Arts in Psychology from Miami University and a Master of Business Administration in Real Estate and Banking from Terry College of Business at the University of Georgia.
Job Titles:
- Vice - Chair of the Board
- Board Vice - Chair / Vice - Chair, Loan Committee / President & CEO, DreamKey Partners
- President and Chief Executive Officer of DreamKey Partners
Julie Porter currently serves as President and Chief Executive Officer of DreamKey Partners (fka Charlotte Mecklenburg Housing Partnership), in Charlotte, N.C. Before joining DreamKey Partners in 2013, Ms. Porter served as Executive Director of Greater Kansas City LISC. Porter worked for more than 17 years in banking with a career that included real estate operations management, small business lending, and construction/real estate lending. A recognized leader in affordable housing development and finance, Ms. Porter serves as a member of the Community Housing Capital Loan Committee. Ms. Porter earned a degree in Business Administration from Wichita State University.
Job Titles:
- Secretary of the Board
- Vice - Chair
- President and Chief Executive Officer of Penquis
Kara Hay is President and Chief Executive Officer of Penquis, a $70 million not-for-profit organization dedicated to helping Maine families and individuals become safe, stable, connected and financially secure. She received a 2019 Practitioner of the Year award and a 2017 Emerging Network Leader award from the National Neighborworks® Association in recognition of her work in the field of housing and community development. In 2018, Penquis received the Rural Community Transportation System of the Year award from the Community Transportation Association of America and the Nonprofit of the Year award from the Bangor Region Chamber of Commerce. In addition to her membership on the Community Housing Capital Board of Directors and serving as chair of the governance committee and secretary of the executive committee, Ms. Hay is past president and current secretary of the Maine Community Action Association; member of the council of chairs for Northern Light Health; vice-chair of the board of trustees and chair of the governance committee for Northern Light Acadia Hospital; and member of the Bangor-area Community Health Leadership Board. A Maine native, Ms. Hay holds a Bachelor of Arts degree in Theatre from the University of Maine, a Bachelor of Arts degree in Psychology from the University of Hawaii at Hilo, and a Master of Arts degree in Marriage and Family Therapy from Argosy University, Hawaii.
Job Titles:
- Senior Loan Administrator
As Senior Loan Administrator, Ms. Clemon has extensive expertise in closing, documentation review, servicing, and portfolio management and works with senior management and other departments to perform various functions within the loan administration department. Before joining Community Housing Capital, Ms. Clemon held progressively responsible roles in Healthcare Banking, Specialty Healthcare, Senior Housing Lending, and most recently, Affordable Housing with Regions Bank. Ms. Clemon earned an AAS in Paralegal Studies from Virginia College at Birmingham and a BS in Criminal Justice Administration from Columbia Southern University.
As Office Manager, Lori Burns provides executive support to the CEO and assists the loan servicing team with billing and account support. Before joining Community Housing Capital, Ms. Burns served as an administrative assistant at a mid-sized architecture firm and spent time as an archaeologist and lab technician. Ms. Burns earned a Bachelor of Arts from Georgia State University.
Job Titles:
- Founder and Principal Consultant of Vasys Consulting Ltd
- Member of the Governance and Loan Committees
- Member of the Governance and Loan Committees / President & CEO
Ms. Vasys is the founder and principal consultant of Vasys Consulting Ltd., which designs and implements impact-focused initiatives and underwrites impact investments for foundations and institutional investors. As a long-time consultant to The John D. and Catherine T. MacArthur Foundation, she is a member of the team which is responsible for the design, launch, and deployment of the Foundation's impact investment initiatives. Also, she is a ratings analyst for Aeris Insight, Inc., which provides independent impact assessments of fund managers, ratings of community development financial institutions and technology tools for impact and financial reporting.
Prior to forming Vasys Consulting Ltd. in 2001, Vasys spent ten years with Bank of America where she was responsible for the bank's community-focused businesses in a ten-state region and managed a team of professionals that underwrote debt and equity financings for affordable housing developers, nationally recognized nonprofits and small businesses. She began her career as a commercial real estate lender, then developed urban mixed-use projects for a Chicago-based real estate company and subsequently led the asset management services division of a national commercial real estate investment firm.
Vasys serves on the board of governors of the Metropolitan Planning Council in Chicago and is a member of its housing and community development committee. She received a certificate in the basic program of liberal arts for adults from the University of Chicago Graham School of Continuing Education, a master's degree in business administration from DePaul University and a bachelor's degree in applied arts from Central Michigan University.
Job Titles:
- Marketing Manager
- Impact and Marketing Manager
Mona Elminyawi is the Impact and Marketing Manager at Community Housing Capital. She is responsible for marketing and impact measurement and reporting. Prior to this role, she was a Senior Specialist of Impact Investments at Habitat for Humanity International where she performed operations and reporting functions for the MicroBuild Fund, a $100 million housing microfinance fund. This included narrating reports using loan data and other social and financial impact metrics. She also contributed to impact assessment studies to understand the end-borrower and inform decision-making at the fund level. Mona received a Master of International Development from Emory University and a Bachelor of Arts in Urban Studies from Wellesley College.
Job Titles:
- Loan Admin Officer
- Loan Administrator Officer
As Loan Administrator Officer, Ms. Pulliam is responsible for overseeing and managing CHC-owned loans, along with loans serviced on behalf of client NeighborWorks organizations. Ms. Pulliam evaluates all aspects of the Single-Family loan portfolio for efficiency, accuracy, and loan integrity. She produces and compiles management reports and assesses any operational risks within loan portfolios.
As Credit Administrator, Odessa reports directly to the Chief Credit Officer and supports all the credit and lending functions at CHC. Her primary duties include the monitoring of CHC's Borrower Compliance reporting process, Client Management System maintenance, and building relationships throughout the NeighborWorks America network. Before joining Community Housing Capital, Odessa had an extensive career in the financial services industry, serving as Vice President and Business Banker with Bank of America and Vice President and Wealth Management Advisor at Wells Fargo. Odessa earned her Bachelor of Science degree in Business Management from the University of South Carolina in Columbia, SC.
Job Titles:
- Member of the Governance Committee
- Member of the Governance Committee / President & CEO
In March 2022, Patricia Garcia Duarte started a new position as Executive Vice President of Homeownership Initiatives for Chicanos Por La Causa. Previously, she served as the president and chief executive officer of Trellis, an Arizona not-for-profit organization dedicated to making stable homes and communities possible by educating, building, and lending. The organization has prepared over 3,500 home buyers to purchase their first home. She was formerly at Chase as the Arizona manager for the community development group. She was responsible for helping the bank invest in communities to support the bank's requirements under the Community Reinvestment Act (CRA).
Mrs. Garcia Duarte earned a B.A. degree from Arizona State University.
Job Titles:
- Chairman Emeritus
- Chairman Emeritus / Retired, American Express Bank
Peter Lefferts has served the CHC Board for three decades, as founding Board Chair, as member and chair of several Board committees, and now as a Board member and corporate Treasurer.
Prior to retirement, Mr. Lefferts had a 36-year international career as a financial services executive and start-up specialist with Citicorp and American Express. Following retirement, Lefferts served several American Express consumer banking entities as an independent external director, Compliance Chair, and Audit Committee member.
He has actively supported affordable housing initiatives across the USA, including his current service on the Board and Executive Committee of Artspace Projects, Inc., a national nonprofit developer of affordable live-work spaces for creative artists.
Mr. Lefferts chaired the US project team in a multinational task force which developed the ISO global standard for personal financial planning under the aegis of the ISO-International Organization for Standardization. Peter currently serves on the Board of the Economic Club of Tampa, FL, where he helped to launch the Club's annual "Florida Economic Forum."
Peter Lefferts and his wife Jane grew up in Baltimore, MD, where they met as colleagues on their high school newspaper. Now, residents of Tampa, FL, they have two grown sons (with grandchildren) in Tampa and in Rockville, MD.
Mr. Lefferts earned a B.A. from Amherst College, an M.A. (International Studies) from Johns Hopkins University, and completed course work in accounting and finance at New York University Graduate School of Business. He has been a guest lecturer in several countries, most recently at the business schools of the University of Florida (Gainesville) and the University of Nebraska (Omaha).
Job Titles:
- Loan Admin Officer
- Loan Administration Officer
As Loan Administration Officer, Regina Claiborne brings over 22 years of experience in financial services. Mrs. Claiborne is responsible for all Servicing Components, including special expertise in CHC's loan servicing system, commercial loan draw processing, loan set up, and commercial payoffs while providing quality customer service to CHC's NeighborWorks Organization clients. Before joining CHC, Mrs. Claiborne served as a Business Service Administrator with Branch Banking and Trust, where she worked with the highest producing team closing approximately $78 million annually in Commercial Real Estate loans. Mrs. Claiborne attended Savannah State College in Savannah, Georgia.
Job Titles:
- Chairman of Loan Committee
- Chairman, Loan Committee / President & CEO Community HousingWorks
- Local and State Government Leader
- President & CEO of Community HousingWorks
Sean Spear is the President & CEO of Community HousingWorks. Sean has served as a top local and state government leader in successive community development roles in the cities of New York, San Francisco, Los Angeles, and in Sacramento for the State of California. Prior to joining Community HousingWorks in 2020, Sean was the Assistant General Manager at the Los Angeles Housing + Community Investment Department where he was responsible for leading its housing production efforts and directing the operations of its Housing Development Bureau. The Bureau facilitates the financing of housing development projects with its business and community partners, leveraging its resources to the maximum benefit of the City's residents and neighborhoods. Sean was formerly the Managing Director with Hunt Mortgage Group where he consulted on the acquisition, development, financing and execution of affordable housing development transactions, and originated new debt and equity executions. He also most notably served as the Executive Director of the California Debt Allocation Committee (CDLAC) from 2009-2015, administering the $3.8 Billion private activity bond program for California. Sean brings additional private sector experience from his time with Fannie Mae; then providing housing development and public financing resources across the Western United States. Throughout his career he has developed both new project financing structures (especially for affordable housing preservation), as well as designed and implemented billion dollar governmental programs with the goal of building better communities for those in greatest need. Sean holds both graduate and undergraduate degrees from Cornell University, and is a member of the invitation-only Lambda Alpha International Society for Land Economics.
Job Titles:
- Vice - Chair, Audit and Risk Committee Member, Executive and Finance Committee / Retired, Office of the Comptroller
Retiring in 2015, Mr. Bloom was acting executive vice president and chief financial officer of NeighborWorks® America (NWA). As former senior deputy controller at the Office of the Comptroller of the Currency (OCC), Mr. Bloom accepted the position at NWA to facilitate a new permanent replacement for his position. Prior to being named senior deputy controller at the OCC, Mr. Bloom was among the senior leadership at the agency and in the U.S. Treasury department, including interim chief financial officer for the Office of Financial Stability, which was instrumental in the planning and management of the Troubled Asset Relief Program. Mr. Bloom has decades of experience in financial administration and management, having been assistant secretary for administration and chief financial officer at the U.S. Department of Commerce, chief financial officer at the General Services Administration, and director of the Defense Finance and Accounting Service.
Mr. Bloom earned a B.B.A., from the University of Michigan in 1975. He is also a Certified Public Accountant - State of Michigan (Inactive) and a Certified Government Financial Manager.