Luis Granados (Board President)
Chief Executive Officer, MEDA
Serving on Board since: 2014
Luis Granados has proudly served as the Executive Director for the Mission Economic Development Agency (MEDA) since 1999, becoming Chief Executive Officer in 2018. During his tenure, Luis has worked to create asset-development opportunities for San Francisco Bay Area low- to moderate-income Latino families. Luis has a Master’s in City and Regional Planning from University of California, Berkeley and a Bachelor’s of Science from University of California, Davis. Luis also sits on the following boards: Board Member, UnidosUS (formerly NCLR); Board Chair, California Reinvestment Coalition; Community Advisory Board Member, JPMorgan Chase & Co.; Board Member, National Association of Latino Community Asset Builders, and Board Member, Community Vision (formerly Northern California Community Loan Fund).
Luis’ work is driven by his experience as an immigrant from Juarez, Mexico, his family heading to Southern California when he was a teenager.
Kevin Stein
Associate Director, California Reinvestment Coalition (CRC)
Serving on Board since: 2014
Kevin Stein works primarily on housing and small business issues, including efforts to fight predatory mortgage lending. Kevin was the primary author of CRC’s reports, “Stolen Wealth: Inequities in California’s Subprime Mortgage Market,” which investigated subprime and predatory lending practices in the state, and “Who Really Gets Home Loans? Years Ten and Eleven” and “Who Really Gets Higher Cost Home Loans,” a duo of analyses of home lending that explores the relationship between race and the cost of credit. Before coming to CRC, Kevin was Supervising Attorney at the East Palo Alto Community Law Project and Lecturer in Law at Stanford Law School, working on community economic development issues. Prior to that, he worked at HomeBase, a law and social policy center on homelessness. Kevin is a graduate of the Georgetown University Law Center and Stanford University.
Teresa García
Family Resource Center Program Associate, First 5 San Francisco
Serving on Board since: 2018
M. Teresa García has worked as a business consultant, nationally and abroad, providing economic-development strategy for the past 17 years. She is dedicated to grassroots small businesses and community-economic development in underrepresented communities. Teresa showcases an excellent understanding of small-business challenges and economic development issues as they relate to startup microenterprises, especially family child care facilities. She holds a Bachelor of Science Degree in Business Administration.
Erik Ortiz
Senior Business Banker, First Republic Bank
Serving on Board since: 2018
Erik Ortiz has 10+ years of commercial banking experience, with a primary focus on professional service firms, early stage technology companies, non-profit organizations, and commercial real estate. He graduated with a Bachelor’s degree in Business Administration from the University of San Francisco where he was also a student athlete with the USF Men’s Soccer Team. Erik is an active member of Street Soccer USA, a non-profit organization dedicated towards impacting the lives of thousands of underserved youth in urban areas and among special needs populations, including homeless families, adults, people in recovery, among others. He was born and raised in Sacramento, CA and now resides in San Francisco.
Carolina Martinez
Chief Executive Officer, California Association for Micro Enterprise Opportunity (CAMEO)
Serving on Board since: 2018
Carolina Martinez is the CEO of the California Association for Micro Enterprise Opportunity (CAMEO), a California’s statewide association that represents over 220 lenders, training programs, job creators, agencies and individuals dedicated to furthering micro-business development in the state. CAMEO advocates for its members and builds their capacity to support the more than 21,000 very small businesses they serve.
Carolina has over 12 years of experience working in economic development and business consulting. Her vision has been defined by the variety of experiences she’s had with nonprofits and universities in South and North America. She has developed bilingual, culturally appropriate entrepreneurial training programs; trained and coached pre-venture and startups; developed international networks promoting partnerships among private corporations that boost industries; provided consulting services to vulnerable communities to explore entrepreneurship as a way to generate wealth; and owned her own business consulting firm.
Before moving to California in 2017, Carolina was appointed to the Pennsylvania Governor’s Advisory Commission on Latino Affairs and served as Chairwoman for the Berks County Latino Chamber of Commerce in Pennsylvania.
Fran Doherty
Vice President, Twain Financial Partners
Serving on Board since: 2019
Fran Doherty, in her role at Twain Financial Partners, leads their California energy efficiency financing program. In her previous role at US Bank, she was responsible for underwriting CDFI and tax credit lending opportunities throughout the country. She specializes in complex real estate finance structures such as those for New Markets Tax Credit and Historic Tax Credit transactions. She has further community and economic development experience from her work with Enterprise Community Partners, which provided her the opportunity to shape her affordable housing and social equity perspectives. In her assignments, she consulted cities throughout the country on housing-related topics.
Fran Doherty began her real estate career as a financial analyst with Cassidy Turley after moving to Washington, DC in 2009. She supported the investment sale team in completing more than 30 office and industrial transactions valued at $3 billion during her tenure. At Cassidy, Fran learned to underwrite commercial properties, managed the due diligence process for properties under contract and prepared marketing materials for sales offerings and pitches. From Cassidy, Fran spent a short time working with a smaller start-up developer, WSD Capital, before joining Enterprise Community Partners and ultimately US Bank.
Fran earned her Master of Community Planning, specializing in Real Estate Finance, from the University of Maryland, and her Bachelor of Design in Architecture from the University of Minnesota.
Ruby Harris
Co-Director of Lending, Community Vision
Serving on Board since: 2019
Ruby Harris manages Community Vision’s (formerly known as the Northern California Community Loan Fund/NCCLF) Community Development Lending team where she engages in lending strategy, business development, and direct underwriting. Community development lending supports a range of activities, including affordable housing, healthcare, education, community facilities, nonprofit space, and provides working capital for service organizations. Ruby joined the organization in 2018 with extensive affordable housing experience, ranging from nonprofit management, program/product design, project management, public policy, finance and grant-making. In her most recent role, Ruby was the Program Manager for the City of San Francisco’s Small Sites Program and was instrumental in preserving hundreds of housing units throughout the city. Ruby holds a BA from the University of California, Berkeley in Ethnic Studies and City Planning.
