Who We Are

FUND CREDIT COMMITTEE

The Role of the Fund Credit Committee (FCC)

The Fund Credit Committee reviews the credit and financial aspects of CFF investment opportunities. Members work together with CFF staff to conduct due diligence and to reach appropriate conclusions regarding loan structures, payback periods, benchmarks and evaluation parameters. The FCC will review each loan being considered for funding, and offer recommendations to the board regarding approval or denial. The Board and Director will strive to appoint members who have an understanding of the specific risks and rewards associated with fisheries-related loans.

Bill Enholm

Bill has 25 years of banking experience. He is Vice President & Commercial Banking Officer at Mission Community Bank in Paso Robles, California. Previously, he served as First Vice President and SBA Credit Administrator, Small Business Loan Center and Consumer Loan Center at Community Bank, Pasadena. Bill has also worked at Citizen’s Business Bank, Union Bank, Comerica Bank, Santa Barbara Bank & Trust, and Santa Barbara Savings and Loan. Bill’s specialty is small business lending and he has extensive SBA (Small Business Administration) experience in SBA 504 and 7(a) loans. At Union Bank of California, he was responsible for reconsidering loans that would otherwise have been declined due to credit scoring, for the bank's 250 branches. While at Santa Barbara Bank and Trust, he was a member of the California Coastal Rural Development Corporation's Loan Committee, managed a traditional portfolio of commercial relationships and pioneered the use of credit scoring. Bill received a B.S. from Humboldt State University in Business Administration. His experience in small business lending and high risk loans are an invaluable contribution to CFF.

Joe O'Brien

Mr. O'Brien has worked as a consultant at both Fordham University and the New York University School of Law for the past five years. The projects focused on installing financial systems and improving financial processes and the related internal control environment. Prior to that he worked at the Environmental Defense Fund as Director of Financial Projects. At EDF he played a major role in several finance-oriented projects including the establishment of the EDF Donor Advised Fund and initializing the California Fisheries Fund. Before  joining EDF, he spent several years working in the not-for-profit sector as a consultant. Mr. O'Brien took early retirement as a Vice President from MetLife in 1999 after an extensive thirty-four year career in Finance and Information Technology. Mr. O'Brien's education includes undergraduate degrees and postgraduate degrees in Accounting and Management. He is also a Certified Management Accountant. His diversified finance background will be leveraged to support implementation of future plans related to the California Fisheries Fund.

Jason Winship

Jason Winship is Managing Principal of Sea Change Management, LLC, which manages the Sea Change Investment Fund. Sea Change is a growth equity investor that seeks to facilitate greater market access to environmentally-preferable seafood while providing a compelling financial return to its investors. Jason has extensive experience in early-stage private equity, corporate mergers and acquisitions and investment banking. Prior to co-founding Sea Change, Jason worked on a variety of market-based environmental engagements in his capacity as a Senior Associate at California Environmental Associates. Previously, Mr. Winship was a Senior Associate with Westbury Equity Partners, a New York-based $150 million growth equity fund. In that capacity, he developed, assessed and executed early-stage private equity investments in the software and business services market. He also played an active advisory role by supporting portfolio companies with strategic and financial analysis. Prior to his tenure with Westbury, Jason developed and executed international merger and acquisition opportunities for AT&T Wireless Services, Inc. Before joining AT&T Wireless, Mr. Winship was an investment banking analyst with Lehman Brothers, where he participated in a wide range of corporate financing and M&A transactions. Mr. Winship holds a Bachelor of Arts from Rice University.