Staff Members


Nicole Ridley, Chief Executive 
Nicole leads the organization in carrying out its mission to provide access to capital and customized consulting services for underserved neighborhoods in order to transform them into thriving communities. Ridley has been a community development practitioner for the past 22 years. Prior to becoming NHSC’s Chief Executive, she served as project director at NHSC for almost five years. She previously worked for NeighborWorks Home and Community Development for 17 years in Fort Wayne, IN. She held several positions during her employ to include; Executive Director, Associate Director and Loan Originator, where among other things, she developed and implemented strategic and marketing plans promoting home ownership opportunities, property improvement and neighborhood revitalization. She also negotiated property acquisitions to build new homes; responsible for the execution and later managed loan processing, the loan origination of mortgages, loan servicing as well as packaged and sold to the secondary market and the delivery of the financial education programs. Nicole is a graduate of St. Francis College in Fort Wayne, Ind., where she earned a bachelor’s degree in business administration, has taken an expansive list of continuing education courses on community and Economic Development and is a Certified Housing Counselor, NeigborWorks Center for Homeownership Education and Counseling.

Nicole Ridley
(314) 996-1376

Fred Kimbrough, Director of Projects and Lending1-Kimbrough_Fred
Fred Kimbrough has worked with homebuyers for over 15 years and brings extensive knowledge of development of affordable housing, neighborhood revitalization programs, CRA lending, homebuyer education and financial literacy counseling. Mr. Kimbrough has managed home-buyer programs for St. Louis County, MO and the City of East St. Louis, IL as well as other non-profit organizations. Fred also has valuable experience in banking and financial services. He was the Executive Director of Community Education Services (CES), a 501c3 non-profit organization and HUD approved Housing Counseling Agency founded in December 2008 that primarily focuses on homebuyer education and financial education. Fred oversees the implementation of the College Hill development and is leading the effort to expand affordable housing in Fort. Wayne.

Fred Kimbrough
(314) 996-1647

Mary Becker, Administrative Assistant1-Becker_Mary Jo
Over the last twenty years, Mary Becker has served as an administrative assistant at the Lutheran Church – Missouri Synod’s International Center headquarters in St. Louis, MO. After previously serving with Concordia Plan Services and LCMS World Relief and Human Care, Ms. Becker has been with the Corporation since 2010. In addition to her work in the NHSC office, she also serves as the assistant secretary for the NHSC Board of Directors.

Mary Jo Becker
(314) 996-1389