 Ms. Tamuna Loladze
HOPE of the Midwest Tamuna Loladze is Chief Operating Officer at HOPE of the Midwest (HOPE), overseeing different aspects of HOPE’s operations, as well as playing a key role in asset management and underwriting.
Prior to joining HOPE, Mrs. Loladze served as Chief Operating Officer at Bluegrass International Fund in Louisville, KY, focusing on attracting foreign investment to local projects under the federal EB-5 program. Previously, she worked for 9 years at the World Bank Group in Washington, DC, where she led capital market development efforts in emerging market countries globally, with a focus on financing infrastructure and housing needs. Earlier in her career, she worked in financial services in New York and Kentucky.
Mrs. Loladze holds an MBA and Master of Science in Foreign Service from Georgetown University and bachelor’s degrees in Economics and Business Administration (Finance) from Transylvania University. She serves on the Growth Loan Committee of Access Ventures in Louisville.
| Ms. Tamuna Loladze
HOPE of the Midwest | Tamuna Loladze is Chief Operating Officer at HOPE of the Midwest (HOPE), overseeing different aspects of HOPE’s operations, as well as playing a key role in asset management and underwriting.
Prior to joining HOPE, Mrs. Loladze served as Chief Operating Officer at Bluegrass International Fund in Louisville, KY, focusing on attracting foreign investment to local projects under the federal EB-5 program. Previously, she worked for 9 years at the World Bank Group in Washington, DC, where she led capital market development efforts in emerging market countries globally, with a focus on financing infrastructure and housing needs. Earlier in her career, she worked in financial services in New York and Kentucky.
Mrs. Loladze holds an MBA and Master of Science in Foreign Service from Georgetown University and bachelor’s degrees in Economics and Business Administration (Finance) from Transylvania University. She serves on the Growth Loan Committee of Access Ventures in Louisville.
| LOLADZE, TAMUNA |
 Mrs. Tammy J. Nichols
HOPE of the Midwest Tammy Nichols is the Finance Officer and Asset Manager at HOPE of the Midwest (HOPE) with a primary focus on loan servicing and asset management as well as playing a key role in project underwriting.
Prior to transitioning full time to HOPE, Mrs. Nichols served as the Event Coordinator for the Kentucky Bankers Association (KBA) planning its Annual Convention, the KBA’s largest program. She has worked for the KBA for over 21 years serving in various positions.
Mrs. Nichols graduated Summa Cum Laude with her Master of Business Administration from Sullivan University in 2012. She also holds a Bachelor of Science in Business Marketing and a Bachelor of Science in Business Management.
Mrs. Nichols has served as Board Member of Metropolitan Housing Coalition in Louisville.
| Mrs. Tammy J. Nichols
HOPE of the Midwest | Tammy Nichols is the Finance Officer and Asset Manager at HOPE of the Midwest (HOPE) with a primary focus on loan servicing and asset management as well as playing a key role in project underwriting.
Prior to transitioning full time to HOPE, Mrs. Nichols served as the Event Coordinator for the Kentucky Bankers Association (KBA) planning its Annual Convention, the KBA’s largest program. She has worked for the KBA for over 21 years serving in various positions.
Mrs. Nichols graduated Summa Cum Laude with her Master of Business Administration from Sullivan University in 2012. She also holds a Bachelor of Science in Business Marketing and a Bachelor of Science in Business Management.
Mrs. Nichols has served as Board Member of Metropolitan Housing Coalition in Louisville.
| NICHOLS, TAMMY |
 Mr. David Ruffin
Intellicredit A Division of QuickRate | Mr. David Ruffin
Intellicredit A Division of QuickRate | David has more than 42 years of experience in the banking industry with a focus on credit risk. He has 27 years of experience as a business owner and banking industry consultant. David helps lending institutions evaluate credit risk—both traditional transactional credit risk and the emerging more macro portfolio focus by assessing all aspects of the credit process and credit culture. Through his experience as a practicing banker and managing a credit consultancy firm, David has worked with management teams and boards of directors to create value by assessing the quality of loan review, credit talent, underwriting, servicing and loan approval protocols. | RUFFIN, DAVID |
 Nicole Upshur
NContracts | Nicole Upshur
NContracts | NICOLE UPSHUR, ESQ., MBA CERTIFIED MORTGAGE COMPLIANCE PROFESSIONAL LEVEL II, COMPTIA SECURITY + CERTIFIED
Regulatory Compliance Counsel
Mrs. Upshur oversees the creation of mortgage law content on state and Federal levels for Ncontracts’ compliance program and is a frequent blog author on fair and responsible banking topics. Prior to joining Ncontracts, she was In-House Legal Counsel where she managed mortgage litigation matters and provided compliance oversight over hundreds of vendors and mortgage companies. Mrs. Upshur is a recipient of the MBA diversity scholarship and is an active member of several MBA committees including the Regulatory Compliance Subcommittee, the Legal Issues and Regulatory Compliance Committee, and the State Legislative and Regulatory Committee. Ms. Upshur also represents other attorneys as the elected Large Councilwoman for the Virginia State Bar. She received her J.D. at Regent University School of Law, in Virginia Beach, Virginia where she currently resides with her husband and two children. Ms. Upshur is a veteran of the United State Marine Corps.
| UPSHUR, NICOLE |