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C.B.A.C., also known as Cooperative Business Assistance Corporation, is The Beacon for Small Business Lending

Learn More About Our Team

Meet Our Team
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Harry Stone

President & Chief Executive Officer (CEO)

Phone: 856-966-8181x100


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Harry Stone joined CBAC in 1999.  As President & CEO of CBAC, he manages all lending and technical assistance activities and working relationships with various local, state, and federal stakeholders.  For the past 40 years, Harry has worked in commercial lending and economic development; serving in positions such as President, Director of Lending, Branch Manager, and Commercial Loan Officer in Southern New Jersey and Philadelphia.  With strengths in new business development, financial analysis, and a diversified accounting background, Harry can identify and evaluate a customer’s financial needs, and structure customized credit options that benefit both the customer and any additional lenders that might be collaborating with CBAC to meet your credit needs. 

Harry holds a Bachelor of Science in Accounting from Rutgers University and is a Certified Public Accountant (inactive).  He is also an advisory board member of America’s Small Business Development Center (SBDC) at Rutgers University Business School – Camden Campus, and a member of the board of directors of the Camden County Regional Chamber of Commerce.

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Steven M. Winheld

Chief Financial Officer (CFO)

Phone: 856-966-8181x101


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Steven M. Winheld joined CBAC in 2017.  Steve has over 30 years of experience in public and private accounting. In his role with CBAC, Steve oversees all CBAC loan accounts and manages our accounting functions to make sure that we follow all rules, regulations, and guidelines for all potential and current loans provided by the organization.  In his previous roles Steve has overseen the Finance, Human Resource and Information & Technology (IT) Departments of various companies ranging in size from 10 to over 1,000 employees.


Steve holds a Master of Business Administration from Rutgers University and a Bachelor of Business Administration in Accounting from Temple University. Steve is a licensed Certified Public Accountant in Pennsylvania and New Jersey, and a Chartered Global Management Accountant.  He is also an active member of the American Institute of Certified Public Accountants, Pennsylvania Institute of Certified Public Accountants and the New Jersey Society of Certified Public Accountants. 

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Barbara Anne Gardenhire-Mills

Director of Compliance & Engagement and Technical Assistance Officer

Phone: 856-966-8181x105



Barbara Anne Gardenhire-Mills joined CBAC in 2018. She is a seasoned community and economic development professional with three decades of experience in the government, non-profit, and corporate arenas.  She works with CBAC’s team to strengthen our compliance and branding infrastructures, and provides outreach, training, coaching, and technical assistance to existing and potential CBAC clients.  Before CBAC, Barbara Anne served as the U.S. Department of Housing & Urban Development (HUD) Management Analyst & Community Liaison for the White House Promise Zone Initiative in Camden, NJ. She also served as Supervisor of Lender Relations & Economic Development/ Women’s Business Ownership Representative with the NJ District Office of the SBA, and she's held other positions at varied levels of management and senior leadership with the SBA, and in the non-profit, corporate, and municipal government arenas. Additionally, has been a small business owner and government contractor.


Barbara Anne holds a M.S. in Executive Leadership from Champlain College, a B.A. in Political Science/Honors with concentrations in Pre-Law and Women’s Studies from Rowan University, and an A.A. in Liberal Arts with a concentration in Business Communications from Rowan College of South Jersey (formerly Cumberland County College). She holds multiple professional and adult continuing education certifications, and she is a member of several professional and civic organizations, including the International Coaching Federation (ICF) and the Association of Talent Development (ATD).

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Brian Stone

Senior Commercial Loan & Technical Assistance Officer

Phone: 856-966-8181x104


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Brian Stone joined CBAC in 2009.  With nearly fifteen years of experience, Brian is currently the Senior Commercial Loan & Technical Assistance Officer at CBAC.  In this role, Brian manages CBAC's commercial loan portfolio, assesses clients’ financial needs, conducts loan closings, meets with clients to discuss community development and technical assistance opportunities, engages banks and local finance organizations when additional capital and services are needed, and underwrites loans that help CBAC achieve our strategic goals. 


Previously, Brian served as a Credit Analyst and Technical Assistance Officer with CBAC.  He holds a Bachelor of Science in Business Administration from the University of North Carolina, Kenan-Flagler Business School and he has completed commercial loan courses through the Risk Management Association (RMA). His strengths include relationship management, business development and financial analysis.

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Indah Nuritasari

Commercial Loan & Technical Assistance Officer

Phone: 856-966-8181


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Indah Nuritasari joined CBAC in 2021 as a Commercial Loan Officer/ Technical Assistance Officer.  With extensive expertise and experience as a Community Development Specialist in Philadelphia, Indah's more recent work has focused on refugee and immigrant communities in the Philadelphia area. She also has extensive experience working in the media and nonprofit sectors in Indonesia and Germany. Before CBAC, Indah worked at Community First Fund/FINANTA as its first Asian lender, and in multiple roles at the Women’s Opportunity Resource Center/Economic Opportunities Fund.


Indah speaks several languages, including Indonesian,  Malay and German. She earned Bachelor’s and Master’s degrees from the University of Indonesia and completed an Executive Program in Social Impact Strategy at the School of Social Policy and Practice at the University of Pennsylvania.  

Indah has been a writer, translator, journalist, and community activist for more than 20 years. She helped establish the first independent journalist union (The Alliance of Independent Journalists) in 1994, when Indonesia was still under the Suharto regime. Her work and writings  amplify the voices immigrant communities  and give them a space to document and share their own stories.

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Nancy Wiesenthal

Business Development & Technical Assistance Officer

Phone: 609-827-5626


Nancy Wiesenthal

Nancy Wiesenthal joined CBAC in 2009. Nancy has over 20 years of experience in retail banking, and she held other positions outside of banking as a Registered Financial Advisor and Insurance Professional, serving the (403)b education market.  Nancy also previously owned and operated two, successful small businesses. 


In her Technical Assistance Officer role with CBAC, Nancy assesses clients' financial needs and works with applicants and clients to obtain needed financial documents. She then collaborates with the CBAC team to review and approve applications and conducts loan closings. Nancy also maintains extensive relationships with partners and clients and provides ongoing technical assistance and coaching to clients. Additionally, she actively participates in community outreach to expand the visibility of CBAC’s work.

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Leidy Ramirez

Loan Administration & Technical Assistance Officer

Phone: 856-966-8181


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Leidy Ramirez joined CBAC in 2021. With nearly a decade of nonprofit lending experience, Leidy serves as the Loan Administration and Technical Assistance Officer for CBAC, where she is involved all aspects of loan administration practices including loan documentation, servicing, and reporting.


Before CBAC, Leidy served in several roles with another Community Development Financial Institution (CDFI),  including Loan Servicer and Collections Officer, Mortgage Coordinator, and Loan Administration. Leidy has professional experience in Retail Sales and Office Management. Her educational major was Business Administration and her fluency in Spanish and English, combined with her technological skills, help CBAC serve the needs of our Spanish-speaking clients who are more comfortable receiving training and technical assistance in their primary language.  

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Mary Lou Bears-Groff

Credit Analyst & Technical Assistance Officer

Phone: 856-966-8181


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Mary Lou Bears-Groff joined CBAC in 2021 in the role of Credit Analyst and Technical Assistance Officer. A results-oriented professional, Mary Lou has more than 35 years of experience in the areas Customer Service, New Corporate Loan Business Development and Credit Analysis. In her role at CBAC she performs credit analysis as part of the loan approval process and provides training  and technical assistance in relevant areas of her expertise and experience. 


Immediately before CBAC, Mary Lou served as the Loan Portfolio Manager for 1st Colonial Community Bank, where she was responsible for all aspects of managing and monitoring the performance of loan portfolio of existing loans totaling over  $150 million and 180+ loan customers.  Before that role, she served as a Credit Analyst. 

Mary Lou holds a B.A. in Business Administration with a concentration in finance from Rowan University. She completed specialized training in industry-related technology, including loan servicing software.  

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Lisa Polidora

Technical Assistance Officer

Phone: 856-966-8181x103


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Lisa Polidora joined CBAC in 2009, and she has over 20 years of experience providing personalized customer services and accounts management in banking and business.  She provides technical assistance to customers. 


In addition to maintaining regular contact with clients, Lisa manages systems that capture data and analyze clients’ business operations.  She also reports on all technical assistance activities and assists with other funder reports.

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Ana O'Reilly

Funds Management Assistant

Phone: 856-966-8181x102


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Ana O’Reilly joined CBAC in 2000 and has over 25 years of administration experience.  As Funds Management Assistant, Ana maintains various accounting and loan systems, processes customer loan payments, and completes monthly loan reconciliations. 


Ana is fluent in Spanish and also translates for clients that need technical assistance in their primary language.  Before joining CBAC, Ana served as Office Manager for another local economic development association.

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Cooperative Business Assistance Corporation (CBAC)

328 Market Street

Camden, NJ 08102

Tel: (856) 966-8181

Fax: (856) 966-0036

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