Our highly skilled team is experienced in making affordable lending to small real estate developers and small business owners committed to developing underserved neighborhoods. Meet the team members working behind the scenes.
Watchen Harris Bruce
Clarence is responsible for guiding our business expansion strategies, capital solutions, community development activities, and operational growth. He is a seasoned community development professional who has demonstrated a solid track record of successful leadership and related industry knowledge. His work in the public, private and community sectors has produced outcomes which have led to significant success in building and stabilizing communities. Clarence has completed programs in Executive Education at Cambridge University, Leadership Maryland, and Leadership Montgomery. He has an MBA from Howard University and a BBA from Winston-Salem University
Small Business Lending Division
Real Estate Lending Division
Administration & Finance
Susan is responsible for the organization’s monthly financial statements, compliance filings, yearly audit preparation, budgeting and cash management. In addition, she oversees loan servicing, payroll processing and human resources. Susan joined Baltimore Community Lending in September 2010 as an Executive Assistant, was promoted to Office Manager, Assistant Controller, and Finance Manager before becoming CFO in 2020. She has prior experience in banking and accounting as well as a degree in both Economics and Psychology from Virginia Tech.
Patricia “Pat” Clements
Pat is responsible for implementing fundraising campaigns, developing donor relationships, managing and directing daily operations, and providing executive leadership support. She has extensive experience in residential and small business lending as well as construction management. Her leadership roles have involved operations, loan origination, and servicing at various financial institutions. Pat serves on the Baltimore Homeownership Preservation Coalition, the Asset Building and Community Development Steering Committee, and the Baltimore Predatory Lending Task Force. She has a bachelor’s degree in History from Morgan State University.
Melissa is responsible for writing, publishing, and promoting the organization’s successes and accomplishments. She has more than a decade of marketing experience as founder and Executive Director of a nonprofit, digital marketing consultant, and provider of educator professional development. Melissa holds a B.A. in Early Childhood Education and a M.S. in Human Resources, both from Towson University; a Digital Marketing Professional certification from Digital Marketing Institute; and a Professional Certified Marketer in Digital Marketing certification from the American Marketing Association.
Edwina supports payment processing, accounts collections, accounts reconciliations, and other financial matters. She has a strong track record as a negotiator and result driven debt collector. Edwina can work in any environment and can adapt to complex situations. She has a BS in Business Administration and an MBA in Finance, both from Walden University.