President & Chief Executive Officer
Debbie Raven graduated from California Polytechnic State University, San Luis Obispo in 1976 with a degree in Ag Business Management. Upon graduation, she began her lending career with Visalia Production Credit Association as their first female agricultural loan officer, where she ultimately served as a Vice President –Branch Manager. Seeking part-time employment so she could devote time to her raising her family, she began working for Valley Small Business Development Corporation (“Valley”) in 1990 to set up the agricultural lending program. Under Debbie’s direction, Valley became one of the leading FSA guarantee lenders in the state. She also developed and administered multiple disaster programs to assist farmers that were negatively impacted from frost, severe weather conditions, and drought. After serving in a variety of roles within the organization, she became the President/CEO in 2008. Debbie is active on many Boards and organizations including Secretary of Ag One – Fresno State, SCORE Advisory Board, Chairman of the 2013 Common Threads Luncheon, and a Community Club Dairy Leader of Elkhorn 4-H. Debbie is also a partner with her husband and son in a diversified farm operation and dairy in the Selma-Kingsburg area.
Vice President – Marketing & Relationship Manager
Stan Tom’s current position at Valley Small Business Development Corporation (“Valley”) as Vice President – Marketing and Relationship Manager involves developing program relationships with governmental agencies, community-based organizations, and non-profit groups; overseeing specialized loan programs with community-based partners; and acquiring additional sources of capital for the various loan programs. Prior to this assignment at Valley, Stan served as a Commercial Loan Officer responsible for the direct loan programs. Before joining Valley in 2000, Stan was the lead business counselor for the Central California Small Business Development Center, Fresno office, specializing in the areas of business plan development, marketing, and small business management. Also, he was a small business owner for fourteen years, giving him insight on the many issues that face a small business owner. He graduated from San Jose State University with a Bachelor of Science degree in Business Administration.
Rich Mostert has been an active participant in the community development, economic development, non-profit and fund raising arenas for over thirty years. Rich moved to the Central Valley in 1986 and began a very successful career in economic, business, and community development. With a passion for community service, Rich’s career path has included leadership and executive roles for various non-profit organizations, including serving as a Commercial Loan Officer for Valley until 2008. Prior to returning to Valley, Rich was the Director of the Fresno State Small Business Development Center. During Rich’s tenure, the organization became a top performing center and received accolades including the 2012 Excellence & Innovation Award for the State of California, the 2012 State Star, and the 2013 Overall Goal and Performance Champion. In addition to his traditional employment, Rich has been a serial entrepreneur operating several small businesses and has been an instructor teaching courses in business planning, management, financing, fund raising, and grant writing. Rich has a B.A. in Management and Organizational Development from Fresno Pacific University, and an Executive MBA from California State University, Fresno.
Chief Credit Officer
Ken Herron is a Fresno-area native who graduated from California State University, Fresno in 1982 with a Bachelor of Science degree in Business Administration. He began his banking career by joining the Bank of America management training program in 1983. He has worked in numerous community based banks including Citizens National Bank, Regency Bank, Clovis Community Bank, and Central Valley Community Bank. In 2005 he was offered the opportunity to join a de novo bank in being formed by former Directors of Regency Bank, becoming its Senior Loan Officer and an integral part of the management team that opened the bank in December 2005. Also, in 2000, Ken and his wife made the decision to apply for funding from the California Department of Education to open a preschool in Selma to serve children of low-moderate income families. Since opening the first facility in 2003, they have steadily grown to four preschool facilities with 20 employees caring for approximately 225 children. Due to the demands of managing this expanding business, Ken decided that he could not devote the time necessary as senior management of a bank and the preschool business, so in March 2009, he retired from banking after 26 years to focus on his passion — providing a high-academic preschool education to children that otherwise would not have the opportunity to attend. In December 2010, he joined Valley Small Business Development Corporation to share his skills and experience as a lender and as a business owner, which makes him a perfect fit for the services that Valley offers.
Commercial Loan Officer
Yeng enjoys having a close working relationship with his clients and the many business owners that he comes across. He has been a small business owner himself and understands the many challenges that most small business owners face on a daily basis. Joining Valley in 2007, he currently is a Commercial Loan Officer packaging and presenting direct loan and loan guarantee requests and is part of a dedicated lending team and enjoys working with entrepreneurs and business owners from all walks of life. Yeng is a long resident of Fresno. He attended Fresno City College earning his A.S. degree in Accounting in 2003 and is a 2006 graduate of California State University, Fresno earning a B.S. degree in Business Administration, with an option in Finance. Yeng’s lending and business development experience at VSBDC along with his years of direct business experience has allowed him to understand and provide technical assistance to help underserved small businesses. His commitment in supporting small businesses continues to grow through his work at VSBDC.
Kuv hais lus hmoob
Agricultural Loan Officer
As Agricultural Loan Officer, Elisa is responsible answering agricultural loan inquiries, determining borrower eligibility, assisting borrowers in preparing loan packages, preparing loan underwriting, presenting borrower’s request at loan committee, coordinating disbursement of funds to borrower, monitoring borrower’s loan history, providing follow-up contact and technical assistance. She previously worked for WestAmerica Bank, County Bank, and Fresno Madera Farm Credit as an agricultural lender. She graduated from the Ag Lending Institute of California in 2003 and California State University, Fresno with a Bachelor of Science in Business Administration with an emphasis in Finance. Elisa and her husband own and operate a wine, raisin, and almond farm operation in the Kerman area.
Efrain Cruz was raised in Fresno, CA. He graduated in 2008 from California State University, Fresno with a Bachelor’s of Science in Business Administration with an option in Finance. While attending Fresno State he had the opportunity to do an internship with The Fresno Area Hispanic Chamber of Commerce (FAHCC) on a part-time basis for two years. During that time, he had the opportunity to work very closely with many business owners and entrepreneurs. In January of 2009 he started working for Valley as a Credit Analyst. For over five years, he has been instrumental in assisting with the solicitation, financial analysis, loan underwriting, funding and servicing of various loan programs offered by Valley. He also assists with conducting direct marketing for the company. As a bilingual employee he has the ability to communicate fluently in both English and Spanish, which also includes the capability of writing and reading both languages.
Se habla espanol
Special Assets Manager
As Special Assets Manager at Valley, Rod is responsible for monitoring the payment activities of the corporation’s loan portfolio. He also works closely with the President/Chief Executive Officer and Controller to discuss borrower bankruptcies, restructuring of loans, and legal actions to recover pledged assets. However, his considerable expertise in ag lending is also utilized in loan underwriting, equipment and chattel appraisal, and technical assistance to struggling business owners and farmers. Rod started his ag lending career at Fresno-Madera Farm Credit in 1974, where he served in many capacities including Branch Manager of the Kerman office. He joined Kingsburg Land Bank in 2002 as an agricultural appraiser/lender. He graduated from California State University, Fresno with a Bachelor of Science in Agricultural Science. He owns farm property in Fowler that is currently leased out.
Administrative Assistant-Loan Applications & Guarantee Loan Processing
Tracy started working for Valley in 1999 after moving to Fresno from the Bay Area where she co-managed a small printing firm. She works with lenders on our guarantee program reporting and processing along with multiple office duties. She works closely with our committee and board members to help in the loan approval process.
Kathy Nash worked for Bank of America for 15 years in various positions and in various branches, spending the vast majority of those years in lending. She then began working for Feather River State Bank, an independent bank whose main focus was on agricultural lending. She started her career there as an executive administrative assistant to the Executive Vice President/Chief Credit Officer before taking over the position of managing the bank’s note department as a Vice President/Note Department Manager. After a move to Fresno, she opened a loan production office for Feather River State Bank in Madera with the main focus on agricultural lending. Kathy began working for Valley Small Business Development Corporation in September 2000 in the agricultural department. She has held various positions and titles during the 13 years she’s been at Valley and is currently responsible for providing the legal documents for all direct loans as well as all guarantee loans as well as providing reporting on the various aspects of Valley’s lending activities.
Chief Financial Officer
Greg Haney graduated with a Bachelor of Arts in Industrial Studies from California State University, Fresno; a Bachelor of Science in Business Administration and a Master of Arts in Industrial Studies from California State University, San Jose. He studied accounting at Golden Gate University, San Francisco, and has been a Certified Public Accountant since 1983. Greg began working for Valley Small Business Development Corporation in 1993 and is responsible for all accounting functions of the corporation, including the management of all cash funds, the trust fund, and operational needs. He also is responsible for the preparation of the company’s financial statements and the management of grants and loan funds.
Mai Zoua Vang
Accounting-Direct Loan Processing
Mai Zoua Vang graduated from California State University of Fresno with a Bachelor of Science in Accounting. As a student, she was a member of Institute of Management Accountants for four years and held a leadership position for two years within the organization. In addition, she is bilingual in Hmong and English and is a Certified Notary Public. She started with Valley in June of 2010 as a Loan Analyst. As a Loan Analyst she worked on analyzing applicants’ financial status, meeting with applicants to obtain information for loan applications, underwriting loan, and assisting loan officers with any other duties. Mai is now working as an assistant in the accounting department where she conducts various accounting activities including account receivable, billing, customer information verification, and auditing new direct loans.
Kuv hais lus hmoob