Christopher Hudock | Associate Executive Director of Business Development
Christopher Hudock is the AED of Business Development for The Rising Tide Community Loan Fund providing leadership and direction as well as technical assistance to potential and current borrowers. With more than 32 years of lending experience, 15 of which have been at the Rising Tide, Chris is skilled in business plan development, financial analysis, loan packaging, organizational budgeting, policy development, and employee supervision.
Prior to joining the Rising Tide, Chris was a Financial Specialist for Wachovia Bank, a Loan Officer for Waypoint Bank, and the Lending Manager for People First Federal Credit Union. He holds an Associates Degree in Applied Science with an Accounting concentration from Northampton Community College and a Bachelor of Arts Degree from Muhlenberg College in Allentown, PA.
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Yajahira Rodriguez | Business Development Associate
Yajahira Rodriguez is the Business Development Associate for The Rising Tide Community Loan Fund providing internal marketing support along with technical assistance to potential and current borrowers. With more than 10 years of community development experience, Yajahira, who is fluent in Spanish, will work directly with business owners to address their needs.
Prior to joining The Rising Tide, Yajahira worked for Community Action Committee of the Lehigh Valley (CACLV) for over seven years, the past two years as their Information and Referral Advocate. She holds a Bachelor of Science degree from Kean University in Union, NJ.
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Nicole Folino | Business Advisor
Nicole Folino truly embraces the entrepreneurial spirit and provides the greatest impact when working to educate and empower small business owners. She is an idea generator and relationship builder. She enjoys assisting entrepreneurs with expanding their initial thoughts into business plans while fostering relationships to connect them with the necessary resources to consistently build local communities.
She believes small businesses are cornerstones that invest communities to generate future success and stability by creating accessible resources.
She has an extensive background in program implementation and growth. Having owned or been involved in various business ownerships for many years. In addition to her work at the Rising Tide, she currently operates a successful ecommerce business.
Prior to joining the Rising Tide, Nicole facilitated the VITA program for CACLV and was an Accountant for a local CPA firm. She holds a Bachelor of Arts Degree from Kutztown University and a Certificate in Volunteer Management from LaSalle University.
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Velka Sanchez | Associate Lender
Velka Sanchez is the Associate Lender for the RTCLF and is responsible for underwriting, structuring and closing of commercial loans, as well as maintaining and servicing a commercial loan portfolio. Ms. Sanchez has considerable experience in credit analysis with a demonstrated history of working in the banking industry.
Prior to joining the RTCLF, she worked for Mauch Chunk Trust Company as a commercial credit analyst for approximately 4 years. She also worked in the loan department as a loan processor and loan operations support. Ms. Sanchez has a Bachelor’s Degree in Science from DeSales University with two concentrations: Finance & Accounting. She also holds an Associate’s Degree in Accounting from Lehigh Carbon Community College.
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Tom Stine | Business Advisor
As Business Advisor for the Rising Tide, Tom applies experience and lessons learned over many years spent: founding; funding; coaching; growing; leading; and exiting a score of early stage businesses predominantly in the software space. His passion for strategy and execution in digital and conventional marketing, sales, and distribution are shared in a spirit of empathy continuous improvement.
Industry insights gained in: printing, publishing, healthcare, training, online video, and business incubation are applied to assist Rising Tide borrowers. Board leadership & community service roles include: Ben Franklin Tech Partners Northeast; NE Pennsylvania Angel Network; Community Action Development Corp Bethlehem; Equi-Librium; Hawk Mountain Sanctuary and Microlog. Tom and wife live in South Bethlehem where he received his BA from Lehigh University
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Yashira Villegas | Business Advisor
Yashira Villegas is the Business Advisor of the RTCLF, as a business advisor she provides support to prospective and existing business owners. Yashira responsibilities include one-on-one advice, training, marketing, troubleshooting, and identifying market opportunities. She helps support low-income and/or minority entrepreneurs.
Prior to joining the RTCLF, she worked for 6 years at Wells Fargo in various roles that helped educate credit in a low-income community. Yashira speaks fluent Spanish which helped her connect with the Hispanic community around her branch area. As a Business Specialist for Wells Fargo, she was able to educate entrepreneurs with what they need to start and grow their business.
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