MaineStream Finance

Article Title: Team & Board

Article Content

  • Photo of Chris Linder

    Chris Linder

    Chief Executive Officer

    Chris has over 20 years of leadership, operational, and consulting experience in community development finance, microfinance, and commercial banking. Before MaineStream, he was Associate Vice President for the Financial Services Practice at International Executive Service Corps (, based in Washington, DC, where he led IESC’s financial services practice on small business banking, agriculture finance, and microfinance throughout Africa, the Middle East, and Asia. Prior to joining IESC, Chris specialized in providing direct technical assistance to financial institutions and strategic advice to industry associations, particularly on social performance, youth enterprise development, and product development in Africa and Asia. For MicroSave-Asia/India, he led a team of professionals who assisted microfinance institutions (MFIs) and banks in new product development, including savings and mobile banking solutions. Previously, Chris served in various team and leadership roles in commercial banking and consulting in securing financing for healthcare institutions and other non-profits in the Northeast United States – primarily based out of Boston. Chris holds a BA in business administration and economics from Rhodes College, Memphis, TN and an MBA from Babson College – Olin School of Business, Wellesley, MA. Chris is originally from rural Arkansas and is excited to be assisting Mainers, particularly from rural areas, expand their businesses and increase home ownership. NMLS# 1954522.

  • Photo of Heather Massow

    Heather Massow

    Certified Housing Counselor and Educator

    Heather has worked with Penquis for ten plus years. Heather currently works with clients who are facing foreclosure, teaches homebuyer education classes, and works one-on-one with pre-purchase clients to help them become credit-ready to purchase a home. Previously, she worked in the mortgage banking industry for about 14 years processing, originating, and closing loans. Recently, Heather joined the board of the Bangor chapter of Habitat for Humanity and is on the Family Selection Committee. Heather especially enjoys working with her foreclosure clients and finds the process rewarding. In her spare time, you will most likely find Heather riding her Morgan horse Magic or doing anything horse-related.


  • Photo of Jim L. Macomber

    Jim L. Macomber

    Business Advisor & Financial Coach

    Jim has worked with us for fifteen plus years. Jim is responsible for providing technical assistance and business counseling to existing and start up microbusiness owners. Duties include instructing the Incubator Without Walls program and providing one-on-one technical assistance to microenterprises. Jim is also now supporting our housing counseling and financial coaching programs. Jim is a past recipient of the SBA Home-based Business Champion Award for both Maine and New England. Jim has “real world” entrepreneurial experience as the business owner of a website design and maintenance company.

  • Photo of Ken Greenleaf

    Ken Greenleaf

    Business Advisor & Financial Coach

    Ken has been working with us for the past ten years. He is responsible for providing technical assistance and business counseling to existing and start up microbusiness owners. Ken is now supporting our housing counseling and financial coaching programs as well. Before joining MaineStream Finance, Ken was a sales and marketing manager where he worked with businesses ranging from small operations to large chains. He has also managed an Internet development firm creating enterprise web sites for a wide variety of clients. He started and ran a small high-end renovation company in New York City. Besides his background in sales and business, his work experience includes building musical instruments and commercial fishing. Greenleaf is also an artist and writer, and has written regular columns in the past for MaineBiz magazine, the Portland Newspapers, and the Portland Phoenix. One of his clients called him the “Swiss Army knife” of small business.


  • Photo of Matthew Lewis

    Matthew Lewis

    Portfolio and Business Services Manager

    Matthew joins MaineStream Finance with 10+ years experience owning, managing, and nurturing small businesses and has been with us for the past five years. His duties include providing technical assistance to small businesses and loan services to MaineStream Finance’s commercial and residential customers. In 2007, Lewis returned to Maine to work for the Passamaquoddy tribe of Washington County, developing lending strategies, commercial-scale renewable energy projects, and intergovernmental database methodologies. He currently sits on the board of directors for the Passamaquoddy tribe’s commercial-scale maple syrup operation. NMLS# 1040251.

  • Rebecca Grant

    Financial Coaching & Savings Coordinator

    Rebecca Grant helps individuals save for a home, car, business, or emergencies using our Family Development Accounts, a match savings program.

    Rebecca started full-time with Penquis CAP in 2003 as a Client Service Representative working with Section-8 clients. Rebecca was able to grow from there where she moved on to be a Fiscal Specialist and ended up as an Occupancy Specialist. In October of 2012, she was given an opportunity to transfer to be a Client Service Representative for the Home Repair and Lead Program and there Rebecca worked one on one with clients for two years until she was promoted to the Administrative Assistant. Rebecca joined our team in October of 2019 where she has seamlessly taken over the Financial Coaching & Savings Coordinator role. Rebecca enjoys relaxing with her husband at their family camp and traveling anytime they can.

  • Photo of Roberta Teeto

    Roberta Teeto

    Loan Officer

    Roberta Teeto, Loan Officer at MaineStream Finance, processes loan applications from start to finish, including home purchase loans, home repair loans, mortgage refinancing and educating clients about their different financing options.

    Roberta helps homeowners and new buyers secure a loan that suits their budget and goals. Before becoming a Loan Officer at MaineStream Finance, she provided administrative oversight of the FDA/IDA matched savings program since September of 2009. Roberta has also worked with reputable real estate agencies, including Prudential and John R. Wood. She has a Bachelor’s degree of Science & Education from the College of Charleston, S.C. NMLS# 1780580.

  • Photo of Tiffany Browning

    Tiffany Browning

    Loan Administrator

    Tiffany joins MaineStream Finance in the new role of Loan Administrator as of July 2019. Tiffany works with the lending team in closing loans as well as servicing existing loans, among other duties to help manage our overall loan portfolio. She has a financial services background having recently worked for Banker’s Life and Maine Savings FCU, particularly in the customer service industry, with over eight years’ experience in all. She also has a previous Penquis connection, having work for the Family Visit program in 2018.

  • Officers

    Kara Hay
    Penquis CEO and MSF President
    See Kara’s biography on Penquis

    Michelle Cobb
    MSF Board Chair – TD Bank, Vice President

    Geneva Libby
    MSF Vice Chair, Penquis Board member, Piscataquis County representative

    Scott Kilcollins
    MSF Secretary – NextHome Experience, Realtor

    Denice Conary
    MSF Treasurer, Penquis CFO
    See Denice’s biography on Penquis



  • Board of Directors

    Michelle Cobb, Chair
    TD Bank, Vice President

    Geneva Libby, Vice Chair
    Penquis Board, Piscataquis County

    Susan Hammond
    Four Directions Development Corporation, Executive Director

    Adam Robertson
    Bar Harbor Bank Trust, Vice President

    Samantha Hill
    First National Bank, Vice President

    Harvey Gosselin III
    CMG Financial, Loan Officer

    Scott Kilcollins
    NextHome Experience, Realtor