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Washington, D.C. – UNC Center for Community Capital executive director Janneke Ratcliffe has been named to the newly established Research Advisory Council for CredAbility.

The Atlanta-based agency provides confidential budget counseling, money management education, debt management programs, bankruptcy counseling and education, and comprehensive housing counseling to more than 630,000 people from across the country.

The advisory council comprises a select and diverse group of researchers who guide CredAbility’s research strategy, which focuses on understanding consumer behavior, improving client success, sharing knowledge in the field and contributing to the public debate.

For more information on CredAbility , visit

At the Center for Community Capital, Ratcliffe provides guidance in all areas of the center’s research to ensure it is rigorous, peer-reviewed and relevant to real-world policy and practice.

Ratcliffe brings a strong background in the financial industry and community development.  She served as executive director of a small business lending nonprofit. She spent 10 years in GE Capital’s mortgage and mortgage insurance subsidiary in positions related to risk management, product development and strategic planning. She worked for seven years at one of the country’s leading community development financial institutions helping to launch a multi-billion dollar secondary market for affordable home loans and developing a new funding source for commercial and real estate lending through the innovative New Markets Tax Credit Program.

Throughout her career, Ratcliffe has had first-hand experience facilitating access to equitable financial services for low-income and minority entrepreneurs, first-time homebuyers or under-capitalized communities.

Consumer financial services, such as those delivered by CredAbility, is a key area of focus for the UNC Center for Community Capital, the leading center for research and policy analysis on the transformative power of capital on households and communities in the United States. The center is part of the College of Arts and Sciences at the University of North Carolina at Chapel Hill. Its in-depth analyses help policymakers, advocates and the private sector find sustainable ways to expand economic opportunity to more people, more effectively. For more information, visit or call (919) 843-2140.

Topics(s): Affordable Homeownership, Debt & Credit, Financial Inclusion, Mortgage Finance
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