Joe serves as CFO of Carter Federal Credit Union in Springhill, LA. In addition to overseeing all strategic financial directives of the credit union, his responsibilities also include the supervision of Carter's increasing focus on community development and CDFI/CDCI compliance.
Prior to joining Carter in 2009, Joe served as a senior investment advisor at Southwest Corporate FCU where he worked with over 30 credit unions in the areas of investment portfolio management and asset liability management.
Terri is the director of the Community Development Investment Program at the National Federation of Community Development Credit Unions (the "Federation") - a national non-profit trade organization dedicated to strengthening Community Development Credit Unions and increasing capital and financial services for residents of low-income and minority communities across the country. In this capacity, Terri is responsible for the management of the Federation's $55 million investment portfolio. Terri and her team raise funds from investors, who include major banks, philanthropic organizations, foundations, etc.; and re-invest those funds in community development credit unions (CDCUs) to enable them to better serve their low- and moderate-income members and communities. Investments in CDCUs are in the form of deposits, loans and grants; as well as the purchase of mortgage loans through the Federation's CDCU Mortgage Center's secondary market mortgage purchase program.
Terri was previously at the Federation, prior to re-joining in February of 2010, as director of the CDCU Mortgage Center, LLC. Terri established the Mortgage Center and developed the mortgage secondary market program. She also acted as a liaison to connect member credit unions with other mortgage loan service providers to established or expand their mortgage programs and provided mortgage-related training to credit unions nationally. She currently manages a team that is responsible for the Mortgage Center activities.
In addition to her Federation responsibilities, Terri serves as an adjunct professor at Seton Hall University where she teaches 'Real Estate Finance" and "Money and Banking" classes. She has also taught "Introduction to Mortgage Banking," "Fair Lending and Fair Housing," and "Affordable Lending Programs" classes at the City University of New York at York College in Queens, NY.
Terri is the founder and president of TJF & Associates LLC, a strategic planning and business development-consulting firm. TJF & Associates specializes in developing and executing winning strategies for clients that net results. Key services include marketing, business development, strategic planning, financial management and training; for both for-profit and not-for-profit clients.
Terri has also held the position of senior vice president / director of Strategic Markets at CitiGroup. In this role, Terri had national responsibility for developing strategies and initiatives to grow low-to-moderate income and ethnic minority business across Citi's Consumer Lending Group business lines, which included real estate, auto and student loan lending.
Other professional positions held by Terri have been vice president and Residential Lending manager of Carver Federal Savings Bank, the nation's largest minority thrift, managing all aspects of the Bank's one-to-four family residential lending activities; as well as manager of Marketing and Subordinated Debt for the New York Community Investment Company LLC ("NYCIC"), a small private venture capital fund.
Bill became director of the NCUA Office of Small Credit Union Initiatives (OSCUI) June 6, 2011. Relocating from Ithaca, N.Y., as OSCUI director, Bill is responsible for fostering credit union development and the effective delivery of financial services by small, low-income and newly chartered credit unions. Within OSCUI, Bill works to ensure the viability and successful operation of credit unions through training, technical assistance, loans and grants. Well-grounded in cooperative service, Bill founded Alternatives Federal Credit Union in1979 and led the institution until 2007. During his tenure, the credit union grew to a $50 million institution serving 8,700 mostly low-income members.