Meet the 3CORE team!

Let Us Introduce Ourselves!

 

 

 

 

 

 

 

 

 

 

 

Marc Nemanic (1991-Present)

Executive Director and Chief Credit Officer

Marc earned his Bachelor of Arts Degree in History with an Economics minor from California State University, Chico. He received the Certified Economic Development Finance Professional (EDFP) Designation from the National Development Council in 1992. Marc served as Investment Committee chairman and Board member with the $24 million California Economic Development Lending Initiative (CEDLI) during 1997-2013.

 

 

 

 

 

 

 

 

 

 

 

Patty Hess (1997-Present)

Assistant Director and Chief Lending Officer

Patty began her work with 3CORE in 1997 serving as Loan Portfolio Assistant, Loan Portfolio Manager, and now her current position. She was granted accreditation from the National Development Council as a Certified Economic Development Finance Specialist (EDFP) in 2011. Patty’s lending team is personally committed to its borrowers, both pre and post loan closing. This commitment attributes to the organization’s long history of loan losses of 1.39%, far below the 6% national average.   Under her leadership, 3CORE has been designated as a state and federal community development financial institution, an approved lender under the California Capital Access Program, and a licensed lender through the California Department of Corporations.

 

 

 

Sheri Nix (1996-Present)

Program Manager

Having been with the 3CORE organization for over 17 years, Sheri has worn a variety of hats throughout the years. With over 20 years of experience in economic and community development, she has supported the Planning side of the organization, with expertise in grant writing, program management, and project implementation. Ms. Nix holds a B.A. in Management (emphasis in Accounting) from Sonoma State and has completed financial analysis coursework through The National Development Council. Having operated a family-owned business in Chico for 25 years, Sheri is familiar with the needs of small business and is a staunch supporter of the business community and service providers who together create a strong foundation from which to grow business. “It’s an exciting time to be involved in small business development. There are so many creative ideas sprouting, in some cases all that is needed is a bit of nurturing, much like a garden.”

Elke Rist (1996-Present)

Loan Portfolio Manager

Elke started her work with 3CORE in 1996 as an Administrative Assistant, Accounting Manager, Loan Administrator, and now her current position. She completed the National Notary Association Education Training Program and has been a Commissioned Notary Public since 1999. With over 16 years of experience managing commercial portfolios for economic develop corporations, Elke is also responsible for day-to-day portfolio management, conducts portfolio and individual loan risk analysis, and generates reports for loan activity, servicing, impact tracking, compliance and capitalization.

 

 

 

 

 

 

 

 

 

 

 

 

 

Joanna Williams (2009-Present)

Finance Officer

Joanna started her own bookkeeping business in 2005, which lead her to meeting Marc through a fellow self-employed accountant. In 2009 she started working at 3CORE as an independent contractor for about 2 years before she became a full time employee as an assistant bookkeeper and quickly progressed to her current title. Joanna studied accounting at California State University, Chico, and has over 23 years of experience in bookkeeping and accounting.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Courtney Farrell (2012-Present)

Community Resource Manager

Courtney is the Community Resource Manager with over 17 years’ experience in economic and community development.  She has coordinated development efforts between cities, counties, government agencies, private companies and nonprofits.  She assists with marketing of programs to 3CORE’s Target Area as well as screening clients for both the Planning and Lending sides of the organization.  Her expertise is in grant writing, donor development and fundraising.  Courtney holds a graduate degree from CSU, Chico and is a graduate of School of Executive Leadership Training, Boys & Girls Clubs of America in partnership with University of Michigan, Ross School of Business and has completed the University of Arizona’s Economic Development Course.  Courtney is passionate about supporting the small business owners in our community and enjoys meeting local entrepreneurs through the Seed Fund program.  “Small businesses are the backbone to our economy.  It is exciting and fulfilling to not only assist in providing investments, but to also connect business owners with mentors and resources that will continue to propel them toward a successful future.”

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Emma Kay (2013-Present)

Project Assistant

Emma has always known that entrepreneurship was going to be a part of her life, growing up in an entrepreneurial family, and has a passion for helping people – so when she took on an internship with 3CORE in the summer of 2013 it wasn’t surprising that she fell in love with the work that she was doing. She continued working for them through her final semester at California State University, Chico until she graduated with a Bachelors Degree in Business Administration with an emphasis in Entrepreneurship and Small Business Management, and a pathway minor in Sustainability, and was then offered a full time position as Project Assistant. Within this role, Emma is in charge of raising awareness of the Business Vitality Seed Fund, meeting with clients past, present, and future, and strengthening the relationship between the Chico State Business Organizations and 3CORE.