Our Staff


Ken Berard, Commercial Loan Underwriter, has over 20 years of banking experience in branch management retail and commercial loan origination. Prior to joining MCCI in October 2018, Ken was the director of CBA Opportunity Center/Foreclosure Counselor since 2013. Ken holds the
certification in Financial Capability from NeighborWorks Center for Homeownership Education and Counseling (2018) and the American Bankers Association Certification in Business & Commercial Lending (2020).


Cinthia Brea, Finance Administrator,
is a trained Financial Coach, performs clerical functions to ensure ongoing efficiency of administrative processes, bookkeeping and loan servicing. Cinthia also assists the team with her translation, editing and proofreading skills. She is fluent in Spanish and English.


Frank Carvalho, Senior Consultant/Former Founding CEO, has over 30 years of banking experience, most recently as vice president of Enterprise Bank, in charge of the small business lending program. He is also the owner of a small business in Lowell which he has owned and operated for the last 30 years.  Frank holds a master’s degree in community economic development from Southern New Hampshire University. Frank has led MCCI through its start-up, CDFI certification, subsequent funding from the CDFI Fund, banking license from the MA Division of Banks and has grown the staff and balance sheet so that our lending impact exceeds $6 million.


Gregg Davis
, Interim CEO, is a non-profit founder, CEO, COO and senior advisor to non-profit and social enterprise startups. After founding Impact Consults in 2009, Gregg has delivered value to clients in executive transition, strategy and business model development and mergers and restructuring, across sectors including affordable housing, community development, behavioral health, homelessness, workforce development, sustainable food systems and more. Gregg holds an MBA from Columbia University.


Aaron Lackman, Commercial Services Manager, has 14 years of experience developing community-engaged education and access to capital for small-business owners and other members of underserved communities. Aaron is proficient in the development of new programs, outreach and services to meet the changing needs of local communities. He was elected for Aspen Institute’s ELM Squared Fellowship as an emerging leader in the field of micro-entrepreneurship and has completed NYC Office of Financial Empowerment training to 2 MGCC Small Business Assistance Grant Program 2021 Mill Cities Community Investments teach financial education and the Credit Builders Alliance ‘Credit as an Asset’ Master Trainer Certification Program for training financial coaches.


Steven McGuire, Residential Loan Officer, has 40 years of Mortgage Lending experience in the Boston area.  Graduate of the University of Lowell in 1980 Magna Cum Laude with Honors in Finance.  Received an MBA Degree from Babson College in 1983. Has worked in origination, processing, warehousing, and secondary marketing  for the Mortgage Companies and the Banks he has worked for. 


Lissette Paukert, Residential Services Manager, 
is a resourceful licensed mortgage loan officer and program manager with 12 years of experience working in community development. She is passionate about promoting financial well-being and innovative products that help low-moderate income families achieve their homeownership goals.  A UMASS Lowell alumni, Lissette was raised in the Merrimack Valley and is fluent in Spanish. 


Kristin Wallace, Commercial Lender, brings extensive experience in small business lending and technical assistance to MCCI. Kristin served as Business Advisor and Microloan Program Manager at Community Teamwork’s Merrimack Valley Small Business Center and Loan Service Manager at ACCION USA. Kristin serves as a Financial Education and Coaching Program
Coordinator and is a certified Accredited Financial Counselor (AFC®). She is fluent in Spanish.