Our Staff Patty Hess Executive Director Chief Credit Officer 530.893.8732 ext. 203 phess@3coreedc.org Marc Nemanic Associate Director Senior Credit Officer 530.893.8732 ext. 204 mnemanic@3coreedc.org Elke Rist Loan Portfolio Manager 530.893.8732 ext. 205 erist@3coreedc.org Joanna Williams Finance Officer 530.893.8732 ext. 202 jwilliams@3coreedc.org Jacqueline Byrne Credit Assistant 530.893.8732 EXT. 208 jbyrne@3coreedc.org Luis Moreno Program Manager 530.893.8732 EXT. 209 lmoreno@3coreedc.org Chelsea Irvine Community Resource Manager 530.893.8732 EXT. 206 cirvine@3coreedc.org Nicole Ritchie relationship manager 530.893.8732 EXT. 207 nritchie@3coreedc.org