William F. Ariano, Jr.
President and CEO
William F. Ariano, Jr. was hired as the President and Chief Executive Officer by Baltimore Community Lending on February 1, 2016. Bill has led and worked in both non-profit and for profit companies locally and nationally. In the 1970's, he helped create a program to assist young offenders through a program that was adopted by the State of Maryland to divert “at risk” youth out of the juvenile justice system. He worked as a community organizer and Executive Director of the South East Community Organization working in neighborhoods from Perkins Homes to Orangeville. As part of his responsibilities, he was involved in the creation of the Butchers Hill housing development project, the creation of the Baltimore Neighborhood Housing Services program as well as organizing to stop the Orangeville Prison and the Clinton Street Prison Ship projects. Bill gained more experience at the National Center for Urban Ethnic Affairs in Washington D.C. where he co-authored a training manual for organizers. He provided training to community based organizations in the Northeast and Midwest, and was involved in the successful effort to pass legislation for the creation of the Community Reinvestment Act and the Home Mortgage Disclosure Act. In the mid 1980’s Bill worked to create and then was the Executive Director of the Housing Assistance Corporation (HAC). HAC was a quasi-public agency of the City of Baltimore providing development, construction and property management of home owner and rental properties for families with low to moderate income. In five years the agency produced over 150 units of housing in Reservoir Hill, Sandtown Winchester, Poppleton and Upper Park Heights. He then worked for almost two decades as a mortgage loan officer, Vice-President of mortgage lending and CRA officer for several community Banks throughout the Baltimore Metropolitan area. He helped to create mortgage origination divisions at several of these institutions. He joined the Maryland Department of Housing and Community Development in 2007 as the Deputy Director of the Division of Development Finance which included CDA, the Housing Finance Agency for the State. At the State he was responsible for oversight of Multi-family and Single Family lending programs, and the Housing and Building Energy Program and assisted in the significant growth of all of these activities. Mr. Ariano lives in Baltimore City and is proud to have had the varied opportunities to help protect, stabilize and support the growth of those neighborhoods that he has worked in. He brings his extensive experience as well as his knowledge of the various communities to help BCL continue its almost three decades of financial service to neighborhoods throughout the City of Baltimore. He holds a Bachelor of Science from Mount Saint Mary’s University and a Masters in Business Administration from Loyola University (Baltimore).
Frank B. Coakley
Chief Lending Officer
Frank B. Coakley is the Chief Lending Officer with Baltimore Community Lending. As part of the management team, Frank participates in executive discussions and in making recommendations regarding policy decisions. Frank manages the overall lending responsibilities for the company to include the generation and guidance of all funding activities; reviews and vets all applications, loan request summaries and credit relationships to determine adequacy of underwriting for presentation to loan and board committees; supervises contact programs with builders, real estate and loan brokers to ensure continuing demand for loan funds; and oversees the company’s loan portfolio to risk management to maintain quality control and minimize losses. Frank has more than 30 years’ experience in the lending and community development arena. Mr. Coakley is a graduate of Morgan State University
Susan E. Kelly
Susan supports finance operations with high visibility to external and internal customers and vendor relationships through project management and analytical support. She assists with the integration and implementation of corporate initiatives into existing finance operation programs and regulatory processes. Susan also responds to customer inquiries and assists the team staff. Susan has a degree in both Economics and Psychology from Virginia Tech.
Patricia W. Clements
Pat Clements is the Operations Administrator with Baltimore Community Lending. She manages various operational reporting ensuring data integrity and accuracy; assists the controller in producing accurate and timely financial statements and manages the daily operations of the office. Pat responds to customer inquiries, assists with portfolio management and supports the team staff. Pat Clements is a 20-year veteran of the financial services and construction management industries. A Maryland native, she earned her bachelor’s degree in History from Morgan State University in Baltimore Maryland.
Sean E.L. Russell
Vice-President/Senior Loan Officer
Sean Russell is a Vice-President and senior loan officer at BCL with responsibility for marketing products and services, identifying new customers and originating loans. A graduate of High Point University in North Carolina, Sean has over 27 years of experience in real estate and construction finance, including community development debt and equity finance. Additionally, he has over 10 years experience in residential real estate development, and construction and sales.
Dierdra J. Pressley
Assistant Vice-President/Loan Officer
Dierdra Pressley is an Assistant Vice-President and Loan Officer for BCL with responsibility for marketing products and services, identifying new customers and originating loans. A native of Philadelphia, Dierdra is a graduate of Morgan State University in Maryland where she received a bachelor degree in Political Science and master of City and Regional Planning. She has more than 15 years experience underwriting single and multifamily housing projects.
Ned E. Fields, Jr.
Ned Fields is a Construction Specialist for BCL with responsibility for managing construction inspections and draws for all financed projects. A master carpenter and painter, Ned has more than 25 years of experience in the construction industry with expertise in preparing feasibility studies, developing scopes of work and cost estimates, and ensuring local and state code compliance.
Roy A. Miller
Loan Administration Coordinator
Roy Miller is the Loan Administration Coordinator and is responsible for the coordination and management of the details related to real estate and business lending. Roy comes to us with an extensive background within the industry with over 26 years as a loan officer, underwriter and housing counselor within the single family arena at such organizations as Belair Edison Neighborhoods, Inc and M&T Bank. His experience and understanding of the lending process along with his detailed knowledge of the Baltimore Landscape will help improve our service to our customers while we continue to ensure that our record keeping and documentation remains at the highest level.