SBAP Staff

Melinda Coker

Senior Vice President

Melinda focuses on marketing the SBA 504 loan program to potential borrowers, lenders, and other referral sources. She has significant experience in analyzing proposed projects and providing a financing structure that is acceptable to both the participating lender and the borrower. She also has extensive experience in analyzing financial statements and cash flow projections as required for making decisions with regard to credit worthiness of a loan.  Finally, Melinda provides oversight of the closing process for the SBA 504 loans. She began her career in SBA lending when she joined the CDC as a lender in 1998. Her vast experience and expertise has enabled her to take on a leadership role within the CDC. As Senior Vice President, she helps influence current and long-range objectives, provides underwriting and closing oversight, and represents the company with its lenders, borrowers, and the public.  Melinda has served on the Georgia Lenders Quality Circle Board (GLQC) and held the position of Secretary for two years. She received her degree in Business Administration with a concentration in Economics from Piedmont College in Demorest, Georgia.

Matt Schroeder

Vice President- Underwriter

Matt Schroeder serves as Vice President and Credit Underwriter for Small Business Access Partners, Inc (SBAP).  His primary responsibilities include performing credit underwriting analysis on new 504 loan applications and presenting credit applications for approval to the board of directors that oversees SBAP.  Matt interacts closely with participating lenders and borrowers during the credit underwriting process.  He also attends client calls for new 504 prospects and assists with marketing the 504 program administered by SBAP to participating lending institutions.

Matt earned a Bachelor of Business Administration degree in Real Estate from the University of Georgia. In May of 2015, he obtained the designation of Credit Risk Certified (CRC) through The Risk Management Association (RMA) to further enhance his credit underwriting knowledge. In addition he has successfully completed  other commercial credit training classes through NADCO & NAGGL.

Kevin Thurmond

Vice President- Portfolio Manager

Kevin is responsible for servicing and liquidating the CDC’s loan portfolio of over 300 SBA and USDA Loans totaling more than $100 million. In addition, Kevin assists in closing and funding new loans. With his extensive experience and expertise in loan closings and portfolio management, Kevin works closely with borrowers, lenders and attorneys to ensure compliance with internal controls, federal regulation and loan program requirements.

Kevin received his Bachelor of Arts degree in Mathematics from St. Andrews Presbyterian College in Laurinburg, NC. In addition, he is a military veteran proudly serving 4 years in the United States Army as a Military Intelligence Analyst.

Breanna Smith

Loan Processor

Breanna's responsibilities include working with clients to process loans and submission of applications to the SBA for review.  Breanna also assists with credit underwriting, marketing events for SBAP, and has been instrumental in developing the SBAP website.

Breanna earned her Bachelor’s of Business Administration degree with a concentration in Marketing and Management from Brenau University in Gainesville, Georgia.  She has also completed SBA 504 training courses through NADCO. She is currently pursuing her Master's in Finance from Brenau University.