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Points of View: Insight & Perspective


Expertise in Financing to Build Stronger Communities

With our breadth of experience, Self-Help is a solid resource on a wide range of financing and policy issues. We’re happy to share expertise and to help find additional resources on topics such as:


Leadership Profiles

Socially Responsible Investing

Ebony Perkins

Ebony Perkins, Investor and Community Relations Manager

Ebony Perkins is a dedicated, solution-oriented social entrepreneur whose heartbeat is community. She has a demonstrated ability of working with investors and philanthropists to help them make smart and strategic decisions. As Self-Help's Investor & Community Relations Manager, Ebony helps groups and individuals invest funds in a socially responsible financial institution that supports communities of all kinds, especially those underserved by conventional lenders. Before that role, she served as the Donor Relations Manager at Central Carolina Community Foundation where she managed a system to engage and educate over 400 individuals and groups to help them achieve their charitable goals.

Ebony’s commitment to community investing is evident by her service and contributions to Women In Philanthropy, Durham Center for Senior Life, and the University of North Carolina MPA Alumni Board. Ebony was also recognized on the SRI Conference's inaugural 30 Under 30 List.

Ebony holds a Master of Public Administration from the University of North Carolina at Chapel Hill and a Bachelor of Science in Marketing from Claflin University as a summa cum laude graduate. She also has an Executive Certificate in Financial Planning from Duke University.

Nuray Ozbay

Nuray Ozbay, Policy and Impact Investment Associate

Nuray Ozbay leads Self Help’s efforts to cultivate mission-supportive depositors and impact investors within and beyond Self-Help’s California footprint. As a global movement and relationship builder, Nuray loves working with change-makers across non-profit, corporate, and public sectors. Her expertise is in intersectional gender equality, global civil society activism, social justice, and ESG investing. Nuray currently serves as a Board Director at the UN Women San Francisco Chapter and a National Expert on Violence Against Women at the European Women’s Lobby, the largest umbrella organization of women’s associations across Europe. Before joining Self-Help, Nuray spent 11 years in the social impact sector as a researcher, consultant, and non-profit leader across Turkey and Europe, working on issues including but not limited to immigration, women’s access to economy, financial literacy & inclusion, entrepreneurship, and care economy.

Kimberly Jones

Kimberly Jones, Investment Associate

 

 

Kimberly's professional career spans both the nonprofit and community development financial services sectors, with expansive senior leadership roles in arts management; business and resource development; community relations; and corporate philanthropy. Currently, she's Self-Help's Investor Relations Manager, where she helps individuals and institutions align their banking and investments with their mission, vision, and values. Kimberly has held leadership positions that advanced the missions of creative organizations and community development financial institutions seeking to make a difference in communities in their footprint. She has been a founding board member of mission driven organizations that supported the growth and development of young artists, creatives, and professionals in the nonprofit sector.

In 2015, Kimberly was selected to be a PLACES Fellow with The Funders Network, where she explored the role of philanthropy through an equity lens in low to moderate income communities. She has served as a grant/award reviewer for organizations that championed organizational excellence, community development, and environmental sustainability. Kimberly has a BA in Political Science from the University of Minnesota-Morris and an MA in Arts, Entertainment, and Media Management from Columbia College Chicago.

Green Economy; Sustainable Society; Investing for the Environment

Melissa Malkin-WeberSustainability Director

Melissa has worked across a broad span of hands-on sustainability practices. At Self-Help Credit Union, she integrates the triple bottom line into the organization’s financial products, operations, and buildings portfolio. She led Self-Help to realize over $1.7 million in net present value from initiatives in this sector, including $180,000 energy savings in our own operations. Melissa previously directed the residential energy efficiency and indoor air quality research program at Advanced Energy and worked in industrial pollution prevention at RTI International. She earned her law degree from University of Michigan, and her Master's from UNC’s School of Public Health.

Shondra Tanner, Mortgage Lending

Shondra Owens Tanner brings her extensive experience and commitment to making mortgage loans for low-wealth families to her position as Self-Help's Director of Mortgage Originations, where she oversees all North Carolina home loan origination and new business development.  Shondra's areas of expertise includes buying your first home, mortgage basics (documentation, closing costs, down payments), delinquency and loss mitigation (What is a forbearance and loan modification and what does that do to your credit?)

Features and Commentary

Celebrating 5 Years of Financial Coaching


By Staff
  | Sep 30, 2025

Self-Help financial coaching—member reviewing credit and budgeting

Self-Help was founded on the mission of ownership and economic opportunity for all and the idea that financial education is an essential part of making our mission possible.

While we have provided access to financial education resources and support for a long time — including through workshops, third-party partnerships, and guidance from employees who always have our members’ best interest in mind — five years ago, we were finally able to create our own structured financial coaching program to support our members more effectively.

Our Coaches

Now, Self-Help financial coaches are available in every region where our branches are located, and we are continuously working to add more. Over the last five years, the demand for financial coaching services has increased with many of our coaches remaining booked up, showing the need for these types of services in our communities.

To help our members improve their relationship to their finances, we offer two different types of coaching:

Through our financial coaching program, we strive to help members create a plan that works for them with manageable, achievable goals that will put them on the path to financial freedom.

Self-Help financial coach Franja works with a member
One of our financial coaches, Franja, works with a member

Financial Coaching

Our financial coaches are here to offer support with more challenging, ambitious, or long-term goals. They offer a trusting environment, which many of our members have struggled to find before coming to Self-Help, and they provide personalized support to ensure that our members have the best chance of success.

 

Some of the common goals that many of our coaching clients are working toward include:

  • Starting a savings habit
  • Building a stronger credit profile
  • Paying down unwanted debt
  • Qualifying for a home or auto loan

Many other financial goals may be addressed during sessions, depending on the needs of the members.

FICO® Credit Score Reviews

Many underserved communities struggle with their credit scores due to historical biases, a lack of trust, and limited access to financial education. Because of this, improving credit is a very common goal for our members who come to us for support. The FICO reviews are an easy way to quickly identify ways that your score can be improved through achievable actionable steps, making these reviews an integral part of our coaching program.

FICO review coaches will go over:

  • Your FICO credit score
  • The top two factors impacting your score
  • Education about what goes into your FICO score and managing your credit
  • A one-page action plan with steps for you to build your credit profile and increase your score

We also provide a 90-day check-in to help members stay accountable to their goals and review their progress.

Meet Tiffany

One member who took advantage of our financial coaching program to achieve her goals is Tiffany.

In 2022, Tiffany attended one of Self-Help's pre-homebuyer informational sessions but realized she would need extra support to achieve her goals of homeownership. She decided she wanted to start financial coaching sessions at Self-Help and reached out to our senior financial coach, Donnetta, to get started.

Tiffany had done what she could to avoid debt and was debt-free — she paid her bills on time from her earnings, had a stable job, and had a good rental history. However, in an effort to avoid debt, she ended up with no credit score, making it very difficult to qualify for a mortgage loan.

Donnetta helped Tiffany come up with a plan to save, increase her income, and build up her credit. Tiffany worked hard and not only found a new job that increased her income but also decided to take on a part-time job for even more savings. To build up her credit, she opened a Credit Builder Loan with Self-Help, and once it was paid off, she opened a secured credit card.

By fall of 2024, her hard work paid off. Tiffany was able to qualify for our Equity Boost Mortgage Loan to become a homeowner. She even continued the valuable savings habits she had learned by taking advantage of our SAVE Account to build an emergency fund for household repairs.

Moving Forward

At Self-Help, we are committed to finding ways to help our members achieve ownership and economic opportunity. Our financial coaching resources have become an essential part of how we can support our members in reaching their goals.

As we consider how the future might be for our financial coaching services, we have every intention of continuing our growth and making our coaches increasingly accessible to each of our members. When we consider members like Tiffany, this program has proven itself to be a valuable part of how we at Self-Help can best live up to our mission.

Cheers to five years of financial coaching — may we continue to meet the needs of our members for many more years to come.

Learn more about our financial coaching options at self-help.org/financial-coaching.



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