STAFF BIOS

Executive Offices
Todd Kocourek Todd G. Kocourek serves as President and CEO, reporting to the Board of Directors. Based in the corporate offices in Tallahassee, he has direct management responsibility for operations of the company. Todd first joined Florida First Capital as its General Counsel in 1998 and was named President and CEO in 1999. He is a member of the SBA North Florida Advisory Council, Vice-Chair of the board of the Florida Export Finance Corporation and a member of the Florida Economic Development Council board.
 

Sales & Marketing
Deborah Petrell Deborah E. Petrell is Senior Vice President & Sales and Marketing Manager and is based in Delray Beach. She has more than 35 years of experience in the real estate industry. Before relocating to South Florida, Debbie was an officer of Pilgrim Colony Homes, Inc., and its subsidiaries. She was responsible for developing over 500 single family homes and several commercial and industrial parks in Massachusetts. Debbie then formed Domenic Financial to originate A&D loans for local developers. Before becoming FFCFC’s top producing Business Development Officer, she was the Vice President of Research and Finance for the Broward Alliance and was responsible for processing industrial revenue bonds and tax credits for Broward County. Debbie has a B.S from Emmanuel College and an M.B.A from Simmons Business School, Simmons College, Boston, MA.
Carlos Calero Carlos Calero serves as a Vice President and Business Development Officer for the South Florida area and is based in Miami. He has more than 20 years of lending and marketing experience. Prior to joining the company, Carlos served as a Vice President, Commercial Lender, for Espirito Santo Bank in Miami. He also holds a Florida mortgage broker’s license, and he is fluent in Spanish and Portuguese. Carlos is responsible for two South Florida counties: Miami-Dade and Monroe.
John Hanrahan John Hanrahan serves as a Vice President and Business Development Officer for the Central Florida area and is based in Orlando. He has more than 10 years of experience in finance and marketing. Prior to joining the company, he was Vice President and Account Executive for GE Commercial Finance in Orlando. John also served as a Credit Manager for Wells Fargo & Company. He received an MBA from Rollins College. John is responsible for 10 Central Florida counties: Brevard, Citrus, Lake, Levy, Marion, Orange, Osceola, Seminole, Sumter and Volusia.
James Hosman James Hosman serves as a Vice President and Business Development Officer for the Northwest & Florida Panhandle area and is based in Pensacola. James re-joined the company in 2010 after parting in 2008 to serve as chief operating officer for Martin Construction, Inc. in Atmore, AL. James formerly served as a Vice President for FFCFC between 2002 and 2008. As a former Certified Business Analyst with the University of West Florida Small Business Development Center (SBDC), James is well versed in assisting clients with preparing applications for Small Business Administration loans, developing business plans, improving management procedures and expanding marketing activities. He is a member of the SBDC Network’s “Lenders Hall of Fame,” and he was named one of Florida Trend Magazine’s Trendsetters: Today and Beyond. James is responsible for 18 Northwest & Florida Panhandle counties: Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Madison, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton and Washington.
Loretta Mathushek Loretta Mathushek serves as a Vice President and Business Development Officer for the Southwest Florida territory and is based in Bonita Springs. She has more than 40 years of experience in finance management, underwriting and business development. Prior to joining FFCFC, Loretta served as a Commercial Lending Business Development Officer and Team Leader Vice President for HSBC US NA, in Brooklyn, NY. She is responsible for 10 Southwest Florida counties: Charlotte, Collier, De Soto, Glades, Hardee, Hendry, Highlands, Lee, Manatee and Sarasota counties.
Kristen Tackett Kristen L. Tackett serves as a Vice President and Business Development Officer for the Northeast Florida territory and is based in Jacksonville. Over the last seven years, Kristen has put together hundreds of deals resulting in hundreds of millions of dollars in Small Business Administration (SBA) 504 loans. She has consistently been one of the industry’s top producers. Kristen earned a B.A. in Business Administration and a B.A. in Marketing from the University of North Florida. She also has successfully completed various banking courses through the Risk Management Association and the National Association of Development Companies. Prior to joining FFCFC, she worked as a Business Development Officer for the Jacksonville Economic Development Company. Kristen is responsible for 16 Northeast Florida counties: Alachua, Baker, Bradford, Clay, Columbia, Dixie, Duval, Flagler, Gilchrist, Hamilton, Lafayette, Nassau, Putnam, St. Johns, Suwannee and Union.
 

Credit Underwriters
Gail Thomas Gail Lagace serves as a Senior Vice President and Credit Manager and is based in the Tampa/St. Petersburg area. Her primary responsibilities are the oversight of the credit department staff including credit underwriting and processing of SBA 504 loan packages throughout the state. Gail has more than 17 years of experience in credit underwriting and structuring small business loans. Prior to joining Florida First Capital, she served as a Senior Risk Analyst and a successful sales team leader covering the Florida market and the New England and Mid-Atlantic regions for General Electric Small Business Finance Corporation.
Angie Palmer-Graves Angie Palmer-Graves serves as a Senior Vice President and resides in the Jacksonville office. Her responsibilities include credit underwriting and processing of loan packages throughout the state. Prior to joining the company, Angie was an Underwriter for the Jacksonville Economic Development Company and a Credit Analyst and Assistant Vice President for Bank of America.
Sherry Mojtabaee Sherry Mojtabaee is a Senior Vice President and is based in Miami. She has more than 10 years of experience underwriting SBA 504 loans for commercial real estate and equipment for small businesses. Sherry focuses equally on direct loan generation and credit analysis. She provides hands-on training for both local and statewide lenders and packages and processes joint loan requests with these same lenders. Sherry also serves as the primary contact with borrowers for all issues leading up to loan approval. Prior to joining the company, she worked as a Senior Vice President for another certified development company.
 

Loan Administration
Mary Kropp Mary E. Kropp is a Senior Vice President and Director of Loan Administration and is based in the corporate offices in Tallahassee. Mary is responsible for oversight and risk management of the entire loan portfolio as well as staff management. She works closely with senior certified development company (CDC) and Small Business Administration (SBA) staff to streamline company lending procedures and ensure compliance with SBA regulations. Mary has 35 years of experience in commercial finance. After an 18-year career in commercial banking, she became the CEO of Enchantment Land Certified Development Company in New Mexico, where she was a two time winner of the SBA Financial Services Advocate of the Year award and received multiple State and Federal accolades for her work with economic development and SBA lending. Mary left the CDC to become the premier consultant to the SBA industry, specializing in CDCs, where she had clients among the best performing in the industry. She currently serves as an at-large board member for the National Association of Development Companies (NADCO) and is NADCO’s current Servicing Committee Chair and former Vice Chair for Education and External Affairs. Mary has been a licensed builder (Michigan) since 1994.
Lynn McDaniel Lynn McDaniel serves as Senior Vice President & Assistant Director of Loan Administration for the corporation and she is based in the corporate offices in Tallahassee. She has been with the company since 1999 and has more than 30 years of experience in banking, administration and management. Lynn is responsible for assisting in the management of multiple loan portfolios and she brings to the position a high degree of specialized knowledge regarding the principles and practices of the SBA; as well as a well-rounded understanding of the organization as a whole. Lynn has served in multiple roles within FFCFC and she brings a broad range of experience to the operations of the company and has become an integral part of its growth during her tenure.
 

Corporate Administration
Barbra Boutin Barbra Boutin serves as Director of Corporate Administration and is based in the corporate offices in Tallahassee. She is responsible for staff management, human resources and accounting. Barbra also works closely with Florida First Capital’s credit, closing and servicing departments to streamline administrative procedures. She has more than 10 years of management and economic development related experience. Previously, Barbra served in various management positions at Walt Disney World, Co., as vice president of business development at the Economic Development Council of Tallahassee/Leon County, Inc. and as CEO of the Florida Economic Development Council, Inc. She graduated from Florida State University with a B.S. degree in business administration.