Meet the Capital Investment Team

Anne Dyjak, Managing Director

Phone: 212-437-3920Email: Anne Dyjak serves as PCDC’s Managing Director, responsible for leading the Capital Investment group. Anne is responsible for the establishment and implementation of PCDC’s strategy for increasing the access to capital in communities to achieve health equity. She oversees all facets of PCDC’s national lending practice, including program development, capitalization, business development, credit, and risk management. Anne joined PCDC in 2014 following a 30-year career in financial services, most recently with Nonprofit Finance Fund (NFF), where she was Chief Investment Officer, Chief Credit Officer, and Vice President. Prior to joining NFF, she was the Northeast region Chief Operations Officer for the Special Asset division at Wachovia Bank, where she was responsible for the oversight of a $600 million portfolio of commercial business and commercial real estate loans. She has extensive experience in community development, consumer and commercial credit, financial analysis, management, strategic planning, risk management, and organizational development. She received her BS in economics from Rutgers University, and is active in community service, serving as Chair of the Lenders Coalition for Community Health Centers, on the BlueHub Loan Fund Community Advisory Board, and as a board member for the CDFI Coalition.

William O’Brien, Chief Lending Officer

Phone: 212-437-3950Email: In 2011, Bill O’Brien joined PCDC as the Chief Lending Officer, responsible for managing the Capital Investment team’s efforts to help providers expand and transform their practices through traditional and structured financing. As CLO, Bill continues a 25-year career of developing financial solutions that help clients reach their goals. Prior to joining PCDC in 2011, Bill was Senior Vice President at IKB Capital Corporation, where he held several roles including SVP and Chief Credit Officer. There he managed nearly $2.0 billion of loans, including $200 million of health care investments. Prior to this he was Vice President at Fortis Bank where he managed the firm’s Structured Finance activities and developed new products, including helping to develop the first national health care receivable securitization program in the Netherlands. Bill received a BA in Philosophy from Cathedral College of the Immaculate Conception, an MA in Philosophy from New York University, and an MBA in Finance from Manhattan College. Bill is a member of the New Markets Advisory Board for the Low Income Investment Fund and the Investment Committee for Inclusiv.

Gita Rao, Chief Credit Officer

Phone: 212-437-3959Email: Since joining PCDC in 2015, Gita Rao has served as Chief Credit Officer, primarily responsible for working with her colleagues to originate debt and New Markets Tax Credit (NMTC) investments in community health care providers and performing outreach and ongoing relationship management with health care providers through the term of the investment. Gita’s primary focus is to ensure careful and informed investment underwriting, monitoring, administration, and reporting, all in support of expanding quality primary care in underserved communities. Gita has more than 15 years of experience in community development finance, impact investing, and social entrepreneurship. She has worked with community development finance institutions, impact investing intermediaries, and foundations to underwrite and monitor loans, Program Related Investments, and New Market Tax Credit investments, as well as perform research and analysis on the community development and impact investing marketplace. Gita holds a Master of Public Policy from the University of Chicago and a Bachelor of Arts from Carleton College.

Nancy B. Lager, MPH, MSUP, Senior Director

Phone: 212-437-3922Email: Since joining PCDC in 1999, Nancy has advised health centers nationwide on project development and financing, underwriting loans to promote all stages of facility development. Over the past two years, she has helped finance site acquisition and construction financing for health center projects in NY, PA, WI, CA, and KY. Nancy also administers PCDC’s contract with the federal Health Resources and Services Administration, managing HRSA’s Loan Guarantee Portfolio and underwriting new Health Center Loan Guarantees. While at PCDC, Nancy has also assisted in the development and management of capital grant programs for organizations in California and Washington, D.C. and for the New York State Department of Health, including overseeing grantee-selection and reporting and award disbursement. She has been a member of the Center for Health Design’s Promising Practices Advisory Committee, supporting the development of evidence-based health center design practices and resources. She has presented at a number of conferences on health center development and funding. Nancy Lager has more than 25 years of experience in expanding low income communities’ access to health care. Early in her career, she was an administrator at three New York City hospitals, where her day-to-day focus was on service/facility expansion and strategic planning. Nancy holds an undergraduate degree from Dartmouth College and a Masters of Public Health and a Masters of Science in Urban Planning from Columbia University.

David Desai-Ramirez, Senior Director, Western Region Market Leader

Phone: 213-262-3510Email: David Desai-Ramirez is the Senior Director, Western Region Market Leader for PCDC based in the Los Angeles office. David is responsible for growing PCDC’s capital investment in the greater Los Angeles area, and for finding new opportunities for PCDC to support community health center stakeholders with performance improvement advisory, policy and advocacy, and research and evaluation work.
David joined PCDC in early 2020 from another CDFI, IFF, where he was a regional Executive Director leading strategy and team execution across capital deployment, real estate advisory, research, and programmatic initiatives. Prior to IFF, David was the Senior Manager of Finance at The Desco Group, a large private commercial real estate developer in the Midwest.
David has an MBA with a concentration in Finance from the Olin School of Business at Washington University in St. Louis and a B.S. in Bioengineering from Rice University. David currently serves on US Bank CDC’s NMTC Community Advisory Council.

Richard Reynoso, Portfolio Management Director

Phone: 212-437-3919Email: Richard Reynoso is Portfolio Management Director for the Primary Care Development Corporation (PCDC). Richard plays a central role in the growth and expansion of PCDC’s lending practice, with primary responsibility for managing a portfolio of relationships including loans, NMTC, and bond financing throughout the United States. In accordance with PCDC policies and guidelines, Richard works with borrowers in the Capital Investment portfolio following the closing and initial funding of the investment through the final payoff, facilitating regularly scheduled meetings with borrowers, conducting financial analyses, performing covenant compliance reviews, preparing credit memos, presenting proposals to loan committees, negotiating terms and documents for restructures and modifications. Richard joined PCDC in early 2020 with an extensive background in portfolio management, having worked with prominent financial institutions and an NYC-based CDFI. Richard joins us most recently from CIT Bank where he was VP of Portfolio Management in the Healthcare Investment Banking group. Richard received his Bachelor’s Degree in Economics with a minor in Sociology from Binghamton University in Binghamton, NY.

Johvanna Sampson, Senior Loan Officer

Phone: 212-437-3932Email: Johvanna Sampson joined PCDC in October 2016 as a Senior Loan Officer, underwriting loans, New Markets Tax Credit, and Bond transactions, and developing relationships with community health centers nationally. Prior to joining PCDC, Johvanna spent 15 years in banking, with experience in retail, commercial lending, financial analysis, and most recently as a Community Reinvestment Act Mortgage Loan Officer in New York City. Johvanna is passionate about community development and has partnered with housing agencies and nonprofit organizations in Louisiana and New York City to provide financial literacy and first-time home buyer education, and secure down payment assistance through state and federal grant programs. Prior experience includes serving as the AVP of Mortgage Lending and Community Outreach at Red River Bank in Baton Rouge, Louisiana. While serving as a commercial loan underwriter at Regions Bank, Johvanna managed a portfolio of more than $250 million in loans related to the oil and gas, transportation, and medical industries. Johvanna received her B.S. in finance from Louisiana State University and her MBA from Southern University in Baton Rouge, Louisiana.

Michaele Evans, Loan Officer

Phone: 213-262-3512Email: Joining PCDC in 2014, Michaele Evans serves as a Loan Officer on the Capital Investment team, where she underwrites loans and NMTC transactions. Michaele works closely with health centers to analyze their operational and financial performance, thereby ensuring a sustainable investment and building a long-standing relationship with the client. Michaele comes to PCDC most immediately from Deutsche Bank, where she helped originate and execute equity and debt transactions for the bank’s healthcare investment banking group. Prior to DB, she worked with a number of non-profit organizations in NYC and Atlanta, including the East River Development Alliance and United Way of Metropolitan Atlanta. Michaele received her Bachelor’s Degree in Economics with a minor in Management and Organization from Spelman College in Atlanta, GA.

Robert McDermott, Loan Portfolio Manager

Phone: 212-437-3934Email: Robert McDermott joined PCDC in 2017 and serves as the Loan Portfolio Manager on the Capital Investment team. Robert is responsible for the day-to-day management of PCDC’s loan portfolio. In this role he assists the Loan Officers and other staff with PCDC’s new loan servicing software and loan compliance relationship management. He also works closely with the Finance team to service our ever-growing loan portfolio while ensuring the accuracy of our loan portfolio’s data. Robert received his Bachelor of Science in Business Administration from Marist College and has over 20 years of experience in banking.

Thearada Namcharoen, Analyst

Phone: 212-437-3966Email: Thearada (Teddy) Namcharoen serves as an Analyst for the Capital Investment team, where she is responsible for leading analytics for financial statements and portfolio management. Additionally, she provides support to the team in other areas of health care investments. Prior to joining PCDC, Thearada was a Credit Account Officer at Bangkok Bank, New York Branch. She was an experienced commercial real estate underwriter for high net worth clients and a loan portfolio specialist. Thearada managed a portfolio of more than $350 million in loans related to real estate, automotive, chemical, and commodities products. Thearada is passionate about the real estate industry and was a former NYS Licensed Real Estate Sales agent where she observed health care facilities around New York City. She holds a Bachelor of Business Administration with a concentration in Finance from Baruch College, City University of New York.

Meredith Steinman, Program Coordinator

Phone: 212-437-3958Email: Meredith Steinman provides overall project management and administrative support to the Capital Investments team. She brings extensive experience in health care, having worked at Montefiore Medical Center first as a Research Coordinator in Orthopedics, and then as a Care Coordinator for a Department of Health-supported program to help Hepatitis C patients access treatment and comprehensive, quality health care. Working closely with a primary care physician, she helped enroll and successfully treat hundreds of Hepatitis C-positive patients through the program, and assisted them in accessing a variety of supportive services. She has a particular interest in the psychosocial determinants of health, in addition to expanding access to primary care in underserved communities. She holds a Bachelor of Arts in Psychology from Wesleyan University.