Staff

Dennis Santiago

Chief Executive Officer

Dennis Santiago is a financial innovation strategist, business architect, and executive leader with more than four decades of experience spanning banking, technology, public policy, risk analytics, economic development, and nonprofit leadership. He serves as the Chief Executive Officer of Pacific Community Fund.

Throughout his career, Dennis has built a reputation for identifying emerging economic and policy trends and designing practical solutions that improve capital access, institutional resilience, operational efficiency, and transaction productivity. His work bridges the public and private sectors, combining strategic vision with hands-on operational execution.

Dennis has advised financial institutions, community development organizations, nonprofit lenders, and mission-driven enterprises on initiatives involving affordable housing finance, Community Reinvestment Act strategies, capital deployment, financial product design, organizational turnaround, and regulatory compliance. His work has included the development of innovative shared-equity homeownership affordability concepts connected to the Office of the Comptroller of the Currency’s Project REACH initiative. Elements of this work were later reflected in the California Housing Finance Agency’s “Dream for All” program.

Dennis has also contributed to the design of Special Purpose Credit Program (SPCP) concepts focused on expanding access to capital for pre-bankable small businesses and underserved communities. Additional initiatives have included strategies supporting residential solar accessibility through nonprofit and private-sector partnerships tied to the federal Greenhouse Gas Reduction Fund (GGRF), as well as disaster-response financing concepts utilizing accessory dwelling units (ADUs) to preserve homeownership and neighborhood continuity in fire-affected communities.

His non-profit organization executive leadership portfolio includes roles for organizations such as Vermont-Slauson Economic Development Corporation, and NEW Community Investments. Dennis previously served as Chief Operating Officer and Chief Financial Officer of the National Diversity Coalition, where he oversaw day-to-day operations, financial management, information technology, program administration, and external audit coordination for a national nonprofit advocacy organization.

Prior to his nonprofit leadership work, Dennis served as Senior Managing Director at Total Financial Solutions LLC, where he led the Compliance and Risk business unit supporting fiduciary safety oversight for approximately $70 billion in insured brokered deposits. During this period, he directed initiatives involving financial data security modernization and blockchain-enabled infrastructure concepts while serving as a principal safety and soundness analyst for participating banking institutions.

Earlier in his career, Dennis founded Institutional Risk Analytics, where he created the IRA Bank Monitor, an analytics platform designed to assess the safety and soundness of U.S. depository institutions. The system became recognized for its ability to track institutional viability through the 2008 financial crisis and was utilized by both public agencies and private-sector organizations, including PricewaterhouseCoopers LLP and the U.S. Securities and Exchange Commission.

Dennis earned a Master of Business Administration through the Executive MBA Program at the UCLA Anderson School of Management and holds a Bachelor of Science degree in Electrical Engineering from the University of California, Irvine.

Imelda Siocheng

Director of Community Lending

Imelda Siocheng serves as Director of Community Lending at Pacific Community Fund with a focus on small businesses and consumer in Southern California. Imelda joined PCF in September 2024, and is based at the Pasadena office. She is fluent in Tagalog and can speak conversational Spanish.

A seasoned underwriter with over 20 years of experience, Imelda specializes in small business loan underwriting, credit risk assessment, regulatory compliance, portfolio management, financial education, and operational efficiency. Throughout her career, Imelda has been tasked with developing underwriting policies, implementing risk-based lending strategies, and training staff on financial best practices.

Prior to PCF, Imelda served as Vice President of Operations at Lendgistics, where she supervised a 12-person team, and HELOC Underwriter II at Financial Partners Credit Union, and as an underwriter with various credit unions throughout Southern California. Imelda earned a Bachelor of Science degree in Commerce with a major in Business Management from Centro Escolar University.

In her current role, Imelda is integrating credit union best practices into CDFI lending by helping to improve risk-based lending strategies that ensure sustainable financial solutions, enhance loan origination, and underwriting efficiencies for faster and more effective funding solutions. Imelda is passionate about borrower education that helps consumers and business owners make informed financial decisions while expanding access to capital to underserved communities.

Imelda is raising two children with her husband in Southern California, where they enjoy exploring the outdoors and local eateries during weekend adventures.

Normita Cachapero

Senior Underwriter - Northern California

Normita Cachapero serves as Senior Underwriter at Pacific Community Fund; as such, she oversees down payment assistance programs (DPA) throughout California and the underwriting of loan products for clients in Northern California. Normita joined PCF in September 2011 and works from our headquarters in Daly City. She is fluent in Tagalog.

Normita is a graduate of the Philippine School of Business Administration, where she earned a degree in Accounting, and began her career at the Philippines Bureau of Fisheries. She now has over 35 years of experience in financing, which includes 15 years of experience at Wells Fargo, where she underwrote a broad range of financial products, including credit cards, student loans, auto loans, and mortgages. This experience provided Normita with a robust understanding of the intricacies of financing and lending.

Normita joined the organization in the wake of the 2000s foreclosure crisis. For years, Normita assisted homeowners who were navigating challenging circumstances while attempting to save their homes. This work deepened her commitment to financial well-being in historically underserved communities.

Outside of her work, Normita finds immense joy in dancing and exploring the world with her husband. Traveling allows them to discover new cultures and create lasting memories.