Katie Kramer, Executive DirectorKATIE KRAMER
Executive Director

Katie Kramer is the Executive Director at the Ohio Statewide Development Corporation where she oversees a portfolio of 250+ small business borrowers, which represents about $110 million in loans and over $380 million of combined public and private investment in the state.

She is an accomplished non-profit executive with expertise in fundraising, grant writing, operations, and building organizational capacity. Her writing has been featured in publications and reports on development finance, including those commissioned by the U.S. Economic Development Administration, U. S. Department of Agriculture, U.S. Department of Energy, Robert Wood Johnson Foundation, The Kresge Foundation, and the World Bank. She regularly speaks about development finance and access to capital at national and local conferences and has served as guest lecturer at several U.S. colleges and universities.

Before joining OSDC, Ms. Kramer was the Vice President at the Council of Development Finance Agencies. During her time there, she was responsible for building an $18 million loan guarantee program, passing the $10 billion State Small Business Credit Initiative (SSBCI) Program as part of the American Rescue Plan Act, and providing technical assistance to development finance agencies across the United States. She wrote and analyzed development finance policies for Congressional leaders, developed numerous courses in the CDFA Training Institute, and contributed to several CDFA publications on tax-exempt bonds, revolving loan funds, tax credits, and other development finance tools.

Early in her career, Ms. Kramer worked in the Assessment Division at Ballard & Tighe, Publishers and as Assistant Director of the Annual Fund at Scripps College. She studied Art History at Scripps College and holds a BA with honors from Cleveland State University. Katie can be reached at kkramer@osdc.net.

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.


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.

Operations Manager

Heather is OSDC’s Operations Manager and is responsible for due diligence, reporting, and Board governance. Before joining OSDC, Heather worked at Chase Bank in their bi-lingual department processing and servicing small business loans.  Heather received her Bachelors in Spanish and Anthropology from The College of Wooster and is fluent in Spanish. Heather can be reached at hyomboro@osdc.net.

Portfolio Manager

Deb has more than 20 years of banking experience, with expertise in loan processing, credit analysis, and appraisal coordination. For OSDC, Deb is focused on loan closing and complex servicing actions. She studied Business Administration at Rhodes State College and holds several certifications from the Appraisal Institute. Deb can be reached at dparkins@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.

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.