I stumbled into community development finance as a student at NYU, where many of my peers were headed to Big 8 accounting firms. Not me. I was lured into what was then a little-known field by the diverse and creative people and organizations dedicated to social justice, and by the conviction that capital can be harnessed to change things for the better. I wanted to contribute to that change, and still do.
Since then, I’ve grown along with the industry, and been priviledged to work in remarkable organizations. I learned consumer finance at the Lower East Side Peoples Federal Credit Union. I honed my lending skills as a small business loan officer at Coastal Enterprises, Inc. And as a program director at Rural LISC, I underwrote nonprofits and deepened my appreciation for special challenges faced by rural America.
As a practitioner, I understand the realities of life in a nonprofit, and bring a clear-eyed practicality to consulting.
In my free time, I like to go outside, knit, and practice speaking Italian.
Helen collaborates with other professionals to meet clients’ needs.
Accounting Services of Maine
Rachel Grivois, CPA, CGMA*
A seasoned accountant, Rachel founded Accounting Services of Maine to serve businesses and nonprofits in 1997. She strengthens clients’ financial management systems and helps them understand and utilize their financials to thrive.
Having served as the contracted chief financial officer for a CDFI, Rachel understands all aspects of CDFI financial performance and health, from portfolio management to capital structure.
When she’s not crunching numbers, she enjoys the serenity of lakeside living with her husband in Downeast Maine.
*Certified Global Management Accountant
Quattrucci & Company
Phebe specializes in business, operations, and capitalization planning for CDFIs and CDEs. She began her career in banking and worked as a small business lender with Coastal Enterprises, Inc. before opening her nationwide consulting practice in 1999.
Phebe is skilled in market analysis, operating and lending policy development, and loan underwriting. She strives to build clients’ organizational capacity and financial sustainability to benefit people with low incomes and underserved communities.
She is well-versed in U.S. Treasury CDFI Fund programs including CDFI certification, Financial Assistance, and New Markets Tax Credits. She's written 21 NMTC applications that have resulted in more than one billion dollars in allocations to CDEs working in distressed communities. In the past five years alone, she's helped CDFIs develop dozens of Native American CDFI Financial Assistance and FA applications that have garnered $20 million in awards.
Phebe lives with her family in her hometown of South Freeport, Maine.