Staff

Imelda Siocheng

Interim Director of Community Lending

Imelda Siocheng serves as interm 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.