Kirk Mills
Kirk serves as executive vice president & CFO of St. Louis Community Credit Union. As a Community Development Financial Insitution, the organization is dedicated to increasing the standard of living and bettering the lifestyles of countless consumers.
Kirk has devoted more than 20 years of his career to the financial services industry. In his current role as executive vice president & CFO, he oversees and provides strategic direction for all financial aspects of the credit union. With the help of his leadership, the credit union has not only weathered the financial turmoil of recent years, it has thrived with double digit growth since 2007. He has served in various leadership capacities within the financial industry. Prior to joining St. Louis Community in 2004, he held various positions at other not-for-profit and for profit financial institutions.
Paul Woodruff
Paul began his career with the credit union in 2009. He started off as a teller and was moved to the Business Development area within three months of joining the organization. While serving as a business development specialist, Paul worked closely with new and current member-customers as well as business partners, where he delivered hundreds of financial literacy seminars and provided account services.
In 2011, Paul was promoted to community development manager where he is responsible for a number of community outreach initiatives that support the credit union and the St. Louis Community CU Foundation. In this role, he develops and maintains relationships that fund, support and advance the credit union's mission of providing financial capability and access to underserved populations. These duties include managing the credit union's CDFI status and subsequent CDFI grant requests, community and business partner event planning as well as research and development of new programs to properly serve the low-to-moderate income sector. In addition, Paul manages financial literacy programs in the community by working with social service and community partners.
As an active member of the community, Paul represents the credit union on a variety of committees and boards. He is a board member and treasurer of the Gravois Business Association, member of the St. Louis YWCA Women's Economic Empowerment Advisory Committee, and serves as a technical advisor to the Pattonville School District Community Action Team. Outside of work he also serves as a board member for a senior service non-profit, the BEVO Area Community Improvement Corporation.
Terry Ratigan
Terry is a senior consultant that provides program development, communications, technical and analytical support to Federation. Since 2001, he has worked with the Federation in preparing business plans and proposals to support new financial products and technical assistance services for financial institutions serving low-income communities. Terry developed the Federation's statistical methodologies to streamline credit union applications for CDFI certification, and later the specific methodology that served as the basis for the NCUA rule on low-income designations. He developed the business plan for the CDCU Mortgage Center and established CU Breakthrough consulting services, the Federation's HUD Housing Counseling Program and other initiatives. Prior to joining the Federation, he served as a senior manager for CARE in Bangladesh and Mozambique; a Peace Corps volunteer in Sierra Leone and Peace Corps area manager. Terry holds a B.A. from the University of Virginia and Masters in Public Policy from Harvard University.
Bob Mulderig
Bob joined the CDFI Fund as manager of Certification, Compliance Monitoring, and Evaluation (CCME) in August 2011. In that role, Bob oversees all activities of the CDFI Fund related to the certification of CDFIs and Community Development Entities (a separate designation required for participation in the New Market Tax Credit Program), as well as the compliance management program for all CDFI Fund Programs. Immediately prior to joining the CDFI Fund, he was a senior manager for a private sector government contractor, specializing in facilities, environmental, and safety management for federal clients.
From 1989 - 2008, Bob had 20 years' progressively responsible experience in community development and affordable housing program administration in the public sector, holding management positions in four municipalities in the Washington-Baltimore area and one statewide (Maryland) agency. He served as deputy director in three different municipal housing/community development offices over 14 years: Washington, DC (2002 - 2008), City of Alexandria, VA (1999 - 2001), and Howard County, MD (1994 - 1997).
Prior to his career in community development, Bob was on the staff of the Federal Reserve Board of Governors, where he held progressively responsible positions in data management, specializing in quality control processes for data reporting from financial institutions nationwide. Bob holds an MBA degree from the Katz Graduate School of Business at the University of Pittsburgh and a BA degree from Bucknell University.