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Amber Bond

Executive Vice President/COO

Amber Bond

Executive Vice President/COO

Amber Bond serves as Carolina Small Business Development Fund's Executive Vice President and Chief Operating Officer. In this position, oversees day-to-day management of the organization's operations. She also is responsible for developing and leading the implementation of strategic priorities and plans that drive operational efficiency, growth, expansion, and innovation. Prior to coming to Carolina Small Business, Amber was a Senior Credit Analyst with Mechanics and Farmers Bank, where she served as credit liaison and analyst for the bank’s syndicated loan portfolio. Amber earned a Bachelor of Science in Business Administration and Finance from North Carolina Central University,magna cum laude. She also holds a certificate in Community Development Finance.

Tel: (919) 803-1437 x 229

Email: abond@carolinasmallbusiness.org

Krystin Jorgenson

Vice President, Chief Financial Officer

Krystin Jorgenson

Vice President, Chief Financial Officer

Krystin Jorgenson serves as VP and Chief Financial Officer for Carolina Small Business Development Fund. She has over 23 years of experience working with non-profit organizations. Prior to CSBDF, Krystin worked as the Finance Specialist at the WakeMed Foundation in Raleigh, NC and prior to that as the Controller at Triangle Community Foundation in Durham, NC. Krystin received her Bachelor of Arts in Environmental Studies from Alfred University in upstate New York and has a current CPA certification in NC.

Tel: (919) 803-1437 x224

Email: kjorgenson@carolinasmallbusiness.org

Mark Royster, Jr.

Vice President, Chief Credit Officer

Mark Royster, Jr.

Vice President, Chief Credit Officer

Mark Royster, Jr. serves as the Carolina Small Business Development Fund’s Vice President of Business Lending. In this position, he manages the underwriting and loan servicing processes.
He also assists with portfolio management, risk analysis, and loan servicing. Prior to CSBDF, Mark worked with Mechanics and Farmers Bank where he served as a Vice President in Credit Administration. Mark is a Veteran of the United States Marine Corps.

Tel: (919) 803-1437 x251

Email: mroyster@carolinasmallbusiness.org

Steven Lawrence

Vice President, Business Development

Steven Lawrence

Vice President, Business Development

Steven Lawrence is responsible for building relationships and sourcing loans for the Carolina Small Business Development Fund portfolio. He also provides technical assistance to applicants by helping them analyze their current and projected financial statements to better understand their debt service. Prior to joining Carolina Small Business, Steven was the Market Leader for BB&T Bank covering Buncombe and McDowell Counties. He has worked directly with small businesses for over 12 years within the banking industry. Steven is a native to Western NC and has dedicated his career to helping small businesses succeed. Steven obtained a bachelor’s degree in Business Administration from Western Carolina University. He also has certifications in NC Life, Health, Accident and Long Term Care insurance.

Tel: (828) 633-5065 x 105

Email: slawrence@carolinasmallbusiness.org

Joe Battle

Vice President, Business Services

Joe Battle

Vice President, Business Services

Joe Battle serves as Carolina Small Business Development Fund's Vice President of Business Services. In this position, he is responsible for working with potential and existing borrowers by providing business services and coaching to help them receive a loan through Carolina Small Business. Prior to Carolina Small Business, Joe served as a business counselor for the Small Business Technology Center. Joe is also the co-founder and principal of Success 360i. Joe obtained his bachelor’s degree in computer science and Master of Business Administration from Duke University.

Tel: (919) 803-1437 x 244

Email: jbattle@carolinasmallbusiness.org

Jamie McCall

Vice President, Policy and Research

Jamie McCall

Vice President, Policy and Research

Jamie McCall serves as Carolina Small Business Development Fund’s Vice President of Policy and Research. In that role, he conducts research spotlighting the importance of small and medium-sized businesses for sustainable and effective regional growth. Prior to working at CSBDF, Jamie worked with the Economic Development Partnership of North Carolina as a Senior Research Analyst. His research on topics related to community and economic development have appeared in scholarly journals including Economic Development Quarterly, Public Administration Review, and Social Science Quarterly. In addition, he has authored several academic book chapters on development policy for volumes issued by publishers like Congressional Quarterly Press. Jamie holds a Master of Public Administration degree from UNC Chapel Hill’s School of Government and received a Bachelor of Arts in Political Science, Philosophy, and Religion, summa cum laude, from UNC Pembroke.

Tel: (919) 803-1437 x 228

Email: jmccall@carolinasmallbusiness.org

Janice Rojas

Director, Marketing & Communications

Janice Rojas

Director, Marketing & Communications

Janice Rojas serves as CSBDF's Director of Marketing & Communications. In her role, she is responsible for all organization's marketing strategies and communications/public relations activities. Prior to CSBDF, Janice worked with various nonprofits, such as the Kay Yow Cancer Fund and Girl Scouts NC. Janice also has served on the Board to CASA Esperanza Montessori as well as YNPN Triangle. Janice holds a Bachelor of Arts degree in journalism and mass communication with a specialization in public relations, from UNC Chapel Hill's School of Media and Journalism.

Tel: (919) 803-1437 x232

Email: jrojas@carolinasmallbusiness.org

Emily Stallings

Director, Development

Emily Stallings

Director, Development

Emily Stallings serves as Carolina Small Business Development Fund's Development Director. In this role, she oversees the organization’s fundraising strategy and strategic planning. Emily leads several major initiatives related to grant writing, event sponsorships for signature annual events, and individual giving campaigns. Prior to working at CSBDF, Emily worked for Duke University’s Office of Development during their Duke Forward capital campaign. Emily is a Durham native and holds a Master of Public Administration from UNC Chapel Hill's School of Government, dual Bachelor’s degrees in Political Science and Spanish from Appalachian State University, and has a certificate in Community Development Finance.

Tel: (919) 803-1437 x 245

Email: estallings@carolinasmallbusiness.org

Zurilma Anuel

Director, Latino Program

Zurilma Anuel

Director, Latino Program

Zurilma Anuel serves as the Latino Program Director. In her position, she directs the Latino Program, underwrites loans and provides one-on-one training and business coaching. Prior to coming to Carolina Small Business Development Fund, Zuri worked as a business lender and Latino Program coordinator for Mountain BizWorks. Zuri also worked for Wells Fargo as a personal banker for 11 years. Zuri earned a bachelor’s degree in commercial and financial administration from Central University of Caracas. She also holds certificates in economic development finance and business credit analysis.

*Hablo Español

Tel: (828) 633-5065 x 106

Email: zanuel@carolinasmallbusiness.org

Caitlin Davis

Director, Eastern Women's Entrepreneurship Center

Caitlin Davis

Director, Eastern Women's Entrepreneurship Center

Caitlin Davis is the Director of Carolina Small Business Development Fund’s Eastern Women’s Entrepreneurship (EWEC) in partnership with Elizabeth City State University. The EWEC is located in Elizabeth City, NC and provides one-on-one counseling and coaching to women entrepreneurs in Northeastern North Carolina. Caitlin will also originate CSBDF loans focusing on the underserved populations in the region and provide relevant and impactful training and workshops to emerging and established businesses in the area. Caitlin is a native of Northeastern NC and has worked in the area for the past five years. She has a Bachelor’s of Business Administration from Elizabeth City State University and a Master’s of Business Administration from East Carolina University. She has a passion for her region and is excited to have the opportunity to work with her community.

Tel: (919) 803-1437 x 502

Email: cdavis@carolinasmallbusiness.org

Germaine McIver-Cherry

Director, Innovation & Entrepreneurship Center

Germaine McIver-Cherry

Director, Innovation & Entrepreneurship Center

Germaine McIver-Cherry serves as the Director of the Innovation and Entrepreneurship Center (IEC). The IEC grew out of a partnership between Carolina Small Business and Shaw University and provides programs designed to deliver a practical experience to enhance the entrepreneurial, intrapreneurial and innovative minds in the community. Germaine also assists potential and existing borrowers by providing "end-to-end" technical assistance and coaching to help nurture, grow and strengthen entrepreneurs and small business owners throughout the success of their business. Additionally, Germaine works on developing sustainable partnerships between Carolina Small Business and HBCUs across the state.

Tel: (919) 803-1437 x 249

Email: gmcherry@carolinasmallbusiness.org

Sharon Oxendine

Director, Western Women's Business Center

Sharon Oxendine

Director, Western Women's Business Center

Sharon Oxendine serves as the Director of the Western Women’s Business Center at Carolina Small Business Development Fund in Asheville, NC. She provides one-on-one counseling and business services to women entrepreneurs. She also markets CSBDF’s lending program and originates loans in underserved markets in Western North Carolina counties. Sharon has over twenty years of non-profit experience, which includes business, financial and human services management. She has worked in the Western North Carolina area for over eleven years offering business training, lending and support. Sharon received the 2008 SBA Women’s Business Champion for the State of NC. Sharon studied at Central Wesleyan College and has a Bachelor of Arts in business management.

Tel: (828) 633-5065 x 103

Email: soxendine@carolinasmallbusiness.org

To see a borrower achieve their dream is a joy. To know that our everyday efforts affect our borrowers in a positive way is a humbling experience.- Team Member, Carolina Small Business

Laura Ford

Client Intake Specialist

Laura Ford

Client Intake Specialist

Laura Ford serves as Carolina Small Business Development Fund's Client Intake Specialist. In this role, she provides the initial contact with the public, attends Networking and Workshop events and manages client files. Prior to working at CSBDF, Laura Ford worked for various companies in the Construction Industry as a Sales Manager/Office Manager. She has over 30+ years of Administrative Assistant experience. Laura Ford holds a Legal Assistant Certification for CEI College, Los Angeles CA.

Tel: (828) 633-5065 x 101

Email: lford@carolinasmallbusiness.org

Robert Rehder

Director, Veterans Entrepreneurship Program

Robert Rehder

Director, Veterans Entrepreneurship Program

As Director of the Veterans Entrepreneurial Program, Robert Rehder is responsible for offering entrepreneurial opportunities to all veterans and spouses by sharing technical business training and capital access. He is responsible for building relationships and sourcing veteran loans throughout North Carolina. Prior to joining Carolina Small Business, Robert was Director of the Veterans Business Outreach Center at Fayetteville State University’s School of Business and Economics where he served for six years. The Center is a division of the U.S. Small Business Administration. Before joining Fayetteville State, he was president and CEO of William H. Swan & Sons, Inc. where he served for 20 years in the maritime shipping and supply industry. Rehder holds a North Carolina Small Business Counselor Level III Certification and is the author of the book: START-UP- A Sixty Minute Guide to Starting YOUR Business. A U.S. Navy veteran, he holds a BA from the University of North Carolina at Wilmington and a Master of Business Administration degree from Old Dominion University.

Tel: (910) 619-7889

Email: rrehder@carolinasmallbusiness.org

Shannon Baylor-Henderson

Associate Director, Eastern Women's Entrepreneurship Center

Shannon Baylor-Henderson

Associate Director, Eastern Women's Entrepreneurship Center

Shannon Baylor-Henderson is the Business Development Associate for the Carolina Small Business Development Fund’s Eastern Women’s Entrepreneurship Center (EWEC) in partnership with Elizabeth City State University. Shannon provides technical assistance for prospective loan applicants in addition to assisting with the development, implementation, and evaluation of various training programs and events for small business owners across CSBDF’s Northeastern North Carolina region. An entrepreneur-turned-employee, Shannon’s background includes owning and operating a writing company for over thirteen years. Shannon is a native of Washington, DC, an award-winning author and an avid blogger.

Tel: (919) 803-1437 x504

Email: shenderson@carolinasmallbusiness.org

Leslie Lewis

Business Development Officer, Southeast Region

Leslie Lewis

Business Development Officer, Southeast Region

Leslie serves as a Business Development Officer for the Southeastern Region and serves communities across the region as a Disaster Resiliency Specialist. In this position, she helps the small business community through business advisory counseling and strategic disaster relief support. Leslie has over 15 years of experience in marketing, development, business counseling, and project management. She holds a Bachelor of Science in Business and a certificates in Small Business Development and Project Management from the University of Phoenix.

Tel: (919) 803-1437 x 170

Email: llewis@carolinasmallbusiness.org

Enovia Bedford

Business Development Officer, Southwest Region

Enovia Bedford

Business Development Officer, Southwest Region

Enovia Bedford serves as a Business Development Officer for Carolina Small Business Development fund in Charlotte. Thriving in a startup environment, Enovia’s entrepreneurial approach to business has lead to a successful twelve-year career in creative fields. Enovia left her corporate position and began a career as a marketing strategist. Working with various tech clients, the deficit in funding businesses owned by African Americans was all too apparent This led to her next career move as the North Carolina Regional Manager of Funding Post. Through this role Enovia planned events for entrepreneurs to receive funding from VC’s and Angel investors representing over $108 billion in assets. She is a founding member of Black Tech Charlotte.

Tel: (919) 803-1437 x 303

Email: ebedford@carolinasmallbusiness.org

T.F. Congleton

Business Development Officer

T.F. Congleton

Business Development Officer

Tel: 919-803-1437 x505

Email: tfcongleton@carolinasmallbusiness.org

Ron Fisher

Business Development Officer, Southwest Region

Ron Fisher

Business Development Officer, Southwest Region

Ron Fisher serves as Business Development Officer for Carolina Small Business Development Fund. He is responsible for business development for the 10 counties representing the Charlotte Metro area and the entire State of South Carolina. Prior to his current role, he operated his own consulting firm for 12 years providing business coaching and financial consulting services to financial institutions and non-profit economic development organizations in North and South Carolina. His commercial banking background includes community development lending, affordable housing program management and small business lending responsibilities for First Union National Bank (now Wells Fargo). He is a graduate of NC Central University and the University of Wisconsin-Madison.

Tel: (704) 412-7031 x 302

Email: rfisher@carolinasmallbusiness.org

Angela Milton

Business Services Manager

Angela Milton

Business Services Manager

Angela Milton serves as Carolina Small Business Development Fund's Business Services Manager. In this position, Angela will be assisting in the implementation of our business services and programs. Prior to Carolina Small Business, Angela had multiple businesses in New Jersey, Virginia, and North Carolina. Angela brings a wealth of business ownership experience and knowledge in entrepreneurship, managing a business, accounting, and more. Angela is also a Veteran of the US Air Force serving during the Gulf War (Desert Shield and Desert Storm). She has received certificates in different entrepreneurial training classes and brings her expertise to the small business department.

Tel: (919) 803-1437 x 242

Email: amilton@carolinasmallbusiness.org

Mic Alexander

Business Service Advisor, Southwest Region

Mic Alexander

Business Service Advisor, Southwest Region

Mic Alexander serves as Business Advisor for the Southwest region. Prior to joining Carolina Small Business Development Fund, she was a serial entrepreneur for more than 30 years. Her past leadership roles include serving as the former CEO of The Overflow Corporation – a manufacturing company - for 17 years and President of Image Wealth Management – a leadership development training company - for 10 years. She is one of the first United States Citizens to be certified in Emotional Intelligence (EI) by the International Society for Emotional Intelligence (ISEI). She received her process/coaching certification from the Advanced Coaching and Leadership Center. Ms. Alexander has received numerous business awards including the Chamber’s Entrepreneur of the Year, the Business Journal’s Women in Business Award and the Largest Minority Business Award to name a few. She is a member of the International Society for Emotional Intelligence, a founding member of the Foundation for the Carolinas' Women’s Impact Fund, the McColl Innovation Institute and a guest teacher at UNC Charlotte Belk College of Business.

Tel: (919) 803-1437 x 304

Email: malexander@carolinasmallbusiness.org

Tonya Snider

Business Consultant, Western Region

Tonya Snider

Business Consultant, Western Region

Tonya Snider serves as Business Development Officer for Carolina Small Business Development Fund. She works in the Western region of the state, with duties that include loan generation, loan underwriting, marketing and relationship management, training seminars and individualized client coaching. Tonya has over 17 years of experience in rural entrepreneurship development, focused mainly on training, lending and consulting. She spent 10 years serving as a regional director for an economic development non-profit, worked as a commercial banker in the private sector, and is recognized for training high-school and community college teachers across the state in rural entrepreneurship. Tonya holds a Bachelor of Science in Business Administration and Law, as well as a Master of Business Administration from Western Carolina University.

Tel: (828) 633-5065 x 107

Email: tsnider@carolinasmallbusiness.org

Lori Diaz

Special Initiatives Manager & Compliance Officer

Lori Diaz

Special Initiatives Manager & Compliance Officer

Lori Diaz serves as Latino Development and Compliance Officer. Prior to Carolina Small Business, she worked as a Logistics Officer at Sanut, a leading producer in the agricultural sector in the Dominican Republic. Following this, she found her true career passion when she started working at ADOPEM, a Community Development Financial Institution. She worked at ADOPEM for three years, first as a Project Coordinator and subsequently as Deputy Project Director, where she managed multiple projects having the common objective of providing both financial assistance and training to small business owners who experienced barriers accessing capital. Lori holds a Bachelor's and Master's degree in Business Administration from Utah State University.

*Hablo Español

Tel: (919) 803-1437 x 239

Email: ldiaz@carolinasmallbusiness.org

Akem Durand

Loan Underwriter

Akem Durand

Loan Underwriter

Akem Durand serves as Carolina Small Business Development Fund’s credit analyst. In that position, he is responsible for responding to inquiries regarding commercial loan products and analyzing pre and post-closing documents for review. He also processes new loan applications. Prior to coming to Carolina Small Business, Akem served as wine manager at Total Wine & More, and served in the U.S. Air Force for four years. Akem earned a Bachelor of Science in Business Administration with a concentration in Management from Shaw University.

Tel: (919) 803-1437 x 246

Email: adurand@carolinasmallbusiness.org

The most rewarding thing about working at Carolina Small Business is seeing our borrowers’ stories and how we’ve been able to help them achieve success in their lives. It’s not just about their business, because for so many entrepreneurs and small business owners, their work is who they are...When we help them make that a reality or help grow it, we’re impacting them on a personal level as well.- Team Member, Carolina Small Business

Elizabeth Palmquist

Loan Processor

Elizabeth Palmquist

Loan Processor

Elizabeth Palmquist serves as Loan Processor for Carolina Small Business Development Fund. Elizabeth has seven years of experience in property management. Prior coming to Carolina Small Business, Elizabeth worked as a leasing professional for Fogelman Management Group at Center Point Apartments where she was responsible for leasing and renewing leases. She aggressively marketed the community by acquiring and marinating relationships with local area businesses. She also worked for BH Management LLC, Tribridge Residential, Greystar and VTT Management Co. as a leasing agent and marketing director. Elizabeth earned a bachelor’s degree in law from The Superior Institute of Commercial Studies in Mexico City. She also holds a certificate in environmental management and legal process.

*Hablo Español

Tel: (919) 803-1437 x 234

Email: epalmquist@carolinasmallbusiness.org

Shana Rothwell

Credit Operations Specialist

Shana Rothwell

Credit Operations Specialist

Shana Rothwell serves as Carolina Small Business Development Fund’s Credit Operations Specialist. She is responsible for management of internal audits and lending compliance. She also ensures department activities run smoothly and efficiently. Prior to working at CSBDF, Shana worked for Spilman Thomas & Battle, PLLC as a Legal Office Assistant. She holds a law degree from UNC Chapel Hill and a Bachelor of Science in Psychology from NC State University.

Tel: (919) 803-1437 x 230

Email: srothwell@carolinasmallbusiness.org

Shocka Johnson

Loan Closer

Shocka Johnson

Loan Closer

Shocka Johnson serves as Carolina Small Business Development Fund's Loan Closer. In this role, she prepares loan packages and follows up on questions regarding closings. She also provides general support to CSBDF borrowers and staff during the closing process. She holds an associate's degree in Graphic Design.

Tel: (919) 803-1437 x 238

Email: sjohnson@carolinasmallbusiness.org

Meryl Olson

Finance Manager

Meryl Olson

Finance Manager

Meryl Olson serves as Carolina Small Business Development Fund’s Assistant Controller. She brings with her an array of accounting experience. She was responsible for Accounts Receivables and various other task at the Tammy Lynn Center for Developmental Disabilities. Previously, she served as accounts receivables specialist at a Raleigh-based company where she managed collections for over 500 vendor accounts, provided support for the sales team and served in various other functions. Meryl received her Bachelor of Science in business management from the University of Findlay in Findlay, Ohio.

Tel: (919) 803-1437 x 222

Email: molson@carolinasmallbusiness.org

Carlton Stephen

Special Assets Manager

Carlton Stephen

Special Assets Manager

Email: cstephen@carolinasmallbusiness.org

Irish McNeal

Recovery and Collection Officer

Irish McNeal

Recovery and Collection Officer

Irish McNeal serves as Carolina Small Business Development Fund’s Recovery and Collection Officer. In this position, she is responsible for maintaining delinquency rates and charge off rates within Carolina Small Business guidelines. Prior to Carolina Small Business, Irish worked for BB&T as a home equity line-of-credit processor. Over the years, she has gained experience in loan servicing, vendor and portfolio management. Irish earned a Bachelor of Arts from North Carolina Wesleyan College.

Tel: (919) 803-1437 x 237

Email: imcneal@carolinasmallbusiness.org

Susan Sauro

Human Resource and Office Manager

Susan Sauro

Human Resource and Office Manager

Susan Sauro serves as the Human Resource and Office Manager for Carolina Small Business Development Fund. She brings nearly 20 years of professional bookkeeping, human resources, and general accounting experience from private business industry. She also possesses a wealth of business computer software application skills and database management ability, both essential tools needed to ensure the proper fiscal management of Carolina Small Business. Susan received her accounting training from Edinboro University in Edinboro, Pennsylvania.

Tel: (919) 803-1437 x 225

Email: ssauro@carolinasmallbusiness.org

Jameko Pinder

Staff Accountant and Assistant Compliance Officer

Jameko Pinder

Staff Accountant and Assistant Compliance Officer

Jameko Pinder serves as Staff Accountant and Assistant Compliance Officer for Carolina Small Business Development Fund. In his current position, Jameko manages and performs a variety of technical accounting support functions including accounts payable, adjusting journal entries, and bank reconciliations. He also assists CSBDF's Compliance Officer on a variety of projects. Prior to his current position, he served as accounting intern with CSBDF for two years. He holds a Bachelor's of Science in Business Administration with a concentration in Accounting from Shaw University.

Tel: (919) 803-1437 x235

Email: jpinder@carolinasmallbusiness.org

Arkela Black-Wills

Executive Assistant

Arkela Black-Wills

Executive Assistant

Arkela Black-Wills serves as the Executive Assistant to the President and CEO of Carolina Small Business Development Fund. Arkela manages the President and CEO’s calendar as well as preparing agendas, room space, recording meeting minutes and assisting on projects. Prior to coming to Carolina Small Business, Arkela worked for Branch Banking & Trust (BB&T) for 11 years. Arkela earned a Bachelor of Science in electronics computer technology from North Carolina Agricultural and Technical State University.

Tel: (919) 803-1437 x 236

Email: ablack@carolinasmallbusiness.org

Francine Wilson

Receptionist

Francine Wilson

Receptionist

Francine Wilson serves as Carolina Small Business Development Fund’s receptionist. In this position, she answers the phone, maintains daily calendars, and assists the office manager with daily tasks. Prior to coming to Carolina Small Business, Francine served as a job counselor for the NCBA program. Francine earned an associate’s degree in business and paralegal studies from Berkeley College.

Tel: (919) 803-1437 x 227

Email: fwilson@carolinasmallbusiness.org

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