HEATHER YOMBORO
Executive Director
Heather Yomboro is the Executive Director at the Ohio Statewide Development Corporation and brings deep expertise in mission-driven lending, operations, and governance. She is passionate about deploying capital in ways that build generational wealth and community resilience, ensuring that all borrowers, regardless of background or credit history, can access the support they need to succeed.
Before being appointed as Executive Director, Heather held roles as Director of Operations and Loan Processor at OSDC. During her tenure, Heather secured $64 million of small business loans for borrowers across Ohio, while also managing due diligence, reporting, and board governance for the SBA 504 lending portfolio.
Previously, Heather worked in residential mortgages, most notably in JPMorgan Chase’s bilingual department, where she managed processing and servicing for a variety of loan products in Spanish and English. Her dual-language skills and cultural fluency allowed her to build trust with diverse borrowers who often face exclusion from traditional capital channels.
Heather graduated from The College of Wooster with a BA in Spanish and Anthropology and was a Rotary International Scholar in Nicaragua, which equipped her with unique insights into cultural dynamics and the lived experiences of immigrants and under-resourced communities. She is active in her community, volunteering as a mentor for Franklin County Children’s Services. Heather can be reached at hyomboro@osdc.net
MARK KLETTLINGER
Senior Director of Lending
Mark joined OSDC in July 2024. During his career, he has managed retail branches for a large regional bank and was a top commercial lender, originating SBA loans for a community bank in Columbus, while managing a portfolio of $80 million. Outside of OSDC, he is active in his local community, serving on the Board of Directors at the Pataskala Area Chamber of Commerce, President of the Reynoldsburg Visitors Bureau, and is Scoutmaster of Troop 4141. Mark enjoys fundraising for various causes, particularly cancer research. He is a past runner-up for the Man of the Year award for Leukemia & Lymphoma Society’s annual fundraiser and he is a four-time Pelotonia rider. He is a proud Zip and a graduate of the University of Akron. Mark can be reached at mklettlinger@osdc.net.
ALONZO MCKENZIE
Loan Officer
Alonzo is based in Lancaster, Ohio, and comes to OSDC from the Ohio Department of Development where he managed the Regional 166 Direct Loan Program. Prior to his time at the State, he was a small business lender at ECDI and several other banks. He is a veteran of the U.S. Airforce and has a passion for helping veterans start and grow businesses. Alonzo can be reached at amckenzie@osdc.net.
JOE PERRY
Loan Officer
Joe comes to OSDC with over 20 years of retail lending and banking experience. He began his career as a loan officer with GMAC Bank in 2003 in their direct lending division Ditech.com. He is active in his local community of Mt. Vernon, Ohio and attended the University of Toledo. Joe can be reached at jperry@osdc.net.
JOSH CASPER
Loan Officer
Josh brings over 20 years of affordable housing and tax credit finance experience to OSDC. Prior to joining OSDC, he worked for a local nonprofit housing developer as a real estate closing manager. At OSDC, Josh’s role is to work with local banking partners to assist in the SBA loan application submission process. He has a bachelor’s degree in psychology from the Ohio State University. Josh can be reached at jcasper@osdc.net.
KIM DAVIS
Portfolio Manager
Kim comes to OSDC with over 20 years in banking and finance. During her career, she has had experience in business lending, loan processing, and team management. At OSDC, Kim works on closing loans, monitoring, and servicing the loan portfolio. Kim can be reached at kdavis@osdc.net.
LYNN LUCIANO
Portfolio Manager
Lynn oversees day-to-day portfolio management for OSDC. Her expertise is in processing commercial loans, including closing and funding, collecting documentation and collateral information, and managing back end operations for banks. Lynn works with each of OSDC’s borrowers to ensure timely payment and collection of routine documentation. Lynn can be reached at lluciano@osdc.net.