Our Team 

Ralphine Caldwell has led LISC Charlotte since its launch in 2019. Her role as Charlotte’s first executive director she has built the Charlotte local office, directed its efforts to expand affordable housing, supervised community development programs in the area, led outreach to private and public sector organizations to expand capacity and fundraising, and assembled a team of experienced and top-flight management. Under her direction, LISC Charlotte has grown to a staff of five directors and team members. The organization manages the Charlotte Housing Opportunity Investment Fund which has amassed $50 million raised by local foundations, lenders, and other private sector contributors to expand affordable housing stock in Charlotte. Ralphine has led efforts to support small businesses, build strong neighborhoods, and improve upward mobility and living standards for all in the Queen City.  

Ralphine has worked in community development for over 25 years with a focus on housing. Prior to joining LISC, she was senior vice president for the DreamKey Partners, where she helped shape strategic planning, fund development, grant writing and administration while responsible for a $1.2 million budget. In 2012, she received the Charlotte Business Journal’s Women in Business Award for her work at DreamKey Partners. Additionally, she led the organization’s homeownership counseling, education, community outreach and mortgage lending programs, while raising over $10 million for down payment assistance.  

Ralphine has a background in mortgage banking and real estate, having worked seven years in both sectors . She holds a bachelor’s degree in business administration from Winthrop University.    

As deputy director for LISC Charlotte, Albert “Rusty” Mills heads the organization’s funding and approval of affordable housing development, a role he has held since the organization’s launch in 2019. His chief duty is to manage the $50 million + Charlotte Housing Opportunity Investment Fund (CHOIF), a role where he supervises the collection, review and selection of proposals submitted by developers as well as distribution of awarded contracts. 

Rusty brings over 30 years of housing, banking and lending experience to the position. His work spans origination, underwriting and relationship building for both nonprofit development organizations and for-profit financial companies. During almost 10 years at Fannie Mae as a loan servicing manager and a director of housing and community development, he worked on pinpointing affordable rental and for-sale housing development opportunities across the Southeast and North Carolina. Additionally, he directed the development of credit and debt solutions for single-family mortgage holders. Additionally, he has served in managerial positions for M&F Bank NC, the Urban Business Network, and First Union Bank. 

Rusty holds a bachelor’s in business administration from the University of North Carolina-Charlotte Belk College of Business. 

Hiba Salih has been a pivotal member of LISC Charlotte since its inception in 2019, leading impactful projects addressing Social Determinants of Health (SDoH) and overseeing the rollout of HUD’s Section 4 Capacity Building Fund. Under her guidance, LISC Charlotte has forged crucial partnerships with Local and National Business Development Organizations (BDOs), Health Systems, Financial Capacity Building and Job Placement Agencies, and Affordable Housing Community Development Corporations (CDCs).

With nearly 13 years of experience, Hiba brings a wealth of expertise in designing, launching, and managing health, youth, and capacity-building programs globally, with a focus on underserved communities in Africa, the Middle East, and the U.S. Before joining LISC Charlotte, she contributed to U.S.-based non-governmental international organizations, championing women's empowerment, maternal and child health promotion in post-conflict communities, refugee integration in the U.S., and enhancing the capacities of medical schools for community-oriented medical education and services in underserved areas.

Hiba holds a Bachelor of Medicine and Bachelor of Surgery (BMBS) from the College of Medicine, University of Juba in Khartoum, Sudan. She is a certified Project Management Professional (PMP®) and earned a Master’s degree in Public Health and Tropical Diseases from the University of Medical Sciences and Technologies.

Harold Lloyd leads LISC Charlotte’s efforts to support small businesses by providing funding and technical assistance. In his role, he acts as a liaison to coordinate on the one hand Charlotte city initiatives and the participation of corporate partners and developers to channel vital resources to entrepreneurs and community organizations. Harold works closely with small business owners to provide guidance and training in operations, management and underwriting. Additionally, he advises community development organizations to help them build capacity and expand their efforts. 

In 2020, Harold headed two important initiatives. At the height of the pandemic, he managed a LISC program to work alongside the City of Charlotte to distribute nearly $800,000 in emergency relief grants to 79 local businesses. Harold organized efforts to screen applicants, review applications and advise local business owners. Additionally, he has worked with Lowes to launch a small business mentorship program. 

Prior to joining LISC in 2019, Harold was an economic development manager for the Community Block Grant program in New York where he helped put funds from the U.S. Department of Housing and Urban Development to work in municipalities around the state to support local businesses. He managed a portfolio of $56 million invested in 89 projects that assisted 247 businesses and created some 700 jobs. 

Harold holds a bachelor’s degree in international business and economics from the State University of New York at Brockport. 

Since joining the dynamic LISC Charlotte team in late 2023, Jordan has made a significant impact. He has taken charge of a diverse network of Business Development Organizations. He plays a crucial role in LISC Charlotte's support of small businesses, helping increase their access to capital and providing technical assistance.

Before joining LISC, Jordan served as lead pastor of two churches in Gaston County, where he worked to raise money for local organizations and collaborated with local police enforcement to establish better community-police relations. Jordan has a Master of Divinity from Duke Divinity School and a bachelor's in public relations from North Carolina Agricultural and Technical State University.  

Chandra Scroggins comes to LISC with a robust background in office administration and planning for large-scale nonprofit and public sector organizations including the Jacksonville Transportation Authority, Charlotte Regional Visitors Authority/BOPlex, and both the Jacksonville Florida Chamber of Commerce and the Charlotte Regional Business Alliance (formerly Charlotte Chamber of Commerce). She also acted as Executive Assistant for the Central Intercollegiate Athletic Association (CIAA) Commissioner.  

She manages the LISC Charlotte office’s day-to-day operations and facilitates contact between the organization and its community development, small businesses, real estate developers and corporate stakeholders. Chandra acts as a liaison between the Charlotte office and LISC headquarters as well.  She organizes meetings, teleconferences, and travel for the LISC Charlotte team as well as appearances at city and private events.