CCBC Executive Team

Executive Director and Treasurer

Russell Graves

Russell Graves is the Executive Director of Consumer Credit and Budget Counseling, a non-profit multi-state licensed credit counseling agency he started with his family in 1998. In addition to a Masters Degree in Finance, Mr. Graves has earned the professional designations of Accredited Financial Counselor, Certified Educator in Personal Finance, Certified Housing Counselor, Certified Credit Report Reviewer and Identity Theft Prevention Specialist.

As a Financial Literacy Educator, Mr. Graves works with local High Schools to reach students and provides them with an exposure to personal finances, credit and savings. This program, which started in as a one day seminar during senior health, has grown to a full semester freshman financial literacy class with Mr. Graves teaching bi-weekly classes. He also works closely with Employee Assistance Programs to provide financial education to their clients.

Mr. Graves is also a HUD approved housing counselor. He is currently working with the Local Housing Authorities helping long term housing residents break the multigenerational cycle of reliance on public housing and achieve homeownership. He and his agency are also addressing the current mortgage delinquency and foreclosure crisis by holding workshops and town meetings in New Jersey's economically depressed cities with the New Jersey Department of Banking.

President

Ralph R. Dyer has served as Chairman and Executive Director of National Foundation for Debt Management since February 2007. Prior to joining the Foundation, Mr. Dyer was a practicing attorney in the Tampa, FL area and operated his own law firm. He also served as a turnaround business consultant. Prior to opening his law practice, Mr. Dyer was general counsel of Comdial Corporation, a publicly traded telecommunications equipment manufacturer. Before joining Comdial, Mr. Dyer was in-house counsel at Intermedia Communications in Tampa and Americatel Corporation in Miami. Mr. Dyer graduated from the University of Miami School of Law with a JD degree and obtained a BBA in Management from the University of Massachusetts, Amherst. Mr. Dyer is a member of the board of directors of the National Housing Counseling Association.

Chief Operating Officer

George E. Roe, Jr. has served as the Vice President of Operations of National Foundation for Debt Management, from 2007 until May of 2010 when he was named Chief Operating Officer. Prior to joining the Foundation, Mr. Roe spent 17 years in the mortgage industry, originating and managing operations for several major mortgage lenders. Mr. Roe graduated with a B.S., from Albion College, in Michigan. He also serves on the agency advisory board for the National Housing Counseling Association and as a member of the National Reverse Mortgage Lenders Assosciation. In addition, Mr. Roe has earned several housing certifications from the NeighborWorks Training Institute for Housing Counseling.

Vice President and Secretary

Judith Sorensen

Ms. Sorensen is Vice President of National Foundation for Debt Management, Inc., a nonprofit financial education and counseling organization based in Florida. At the Foundation, Ms. Sorensen is primarily responsible for making recommendations regarding all corporate matters and establishing company-wide administrative objectives, policies, programs and practices to ensure the company's continued safety and soundness.

In addition to her ten years' experience in the field of financial education and counseling, Ms. Sorensen has lengthy experience in the residential mortgage industry having held various positions in retail loan production and legal/regulatory divisions. On the loan production side, Ms. Sorensen was responsible for the development and implementation of loan origination policy and procedure, product training and customer service. As General Counsel and Compliance Officer, Ms. Sorensen managed regulatory compliance risks through risk assessments, loan review, compliance specific software and internal training. In addition to conducting compliance testing and internal quality control reviews, Ms. Sorensen regularly worked with staff to implement identified regulatory changes and correction processes for potential risks.