Joan Fleming

Joan Fleming-Ridley serves as Vice-President of Residential Lending and Community Development for Citizens Savings Bank and Trust Co., the oldest, continuously operated African American owned Bank in the Country.

Joan has become the brand ambassador of “AskJoan”, a campaign launched to help educate consumers in financial literacy, homebuyer education and credit worthiness. AskJoan commercials, seen nationally, showcase not only her experience, but her compassion for her clients and witty nature. (www.AskJoan.net)

There are few individuals who seem able to build relationships, trust and rapport with almost anyone and have the ability to translate their financial needs into a plausible solution. Joan is one of those rare people who has developed programs and solutions in a challenging industry that faces constant changes and restrictions. She has become an industry leader finding ways to produce results through her expertise, commitment and relationships.

As a senior manager in the mortgage and banking industry, Fleming-Ridley radiates a sincere passion for delivering value and benefit to her clients with an enthusiastic and friendly attitude. It is Joan’s commitment to serve the underserved by being an advocate for affordable housing and financial literacy. Her “thinking outside the box” mentality allows her to develop programs to ensure everyone can build wealth through homeownership.

Joan currently serves on the board of the Pencil Foundation, Committee member for Protecting Our Legacy, Racial Equity 2030 Project (The Nashville Urban League), teaches quarterly financial literacy classes for T-Mobile and serves as a committee member for the American Bankers Association Mortgage Market. Joan served on the Homeowner Selection Committee for Habitat for Humanity. As a former board member for Residential Resources, she continues to teach classes with the agency in addition to several other agencies throughout the Nashville community.

Joan attended Tennessee State University and is currently enrolled at Barret Graduate School of Banking located in Memphis, TN.

In addition to Joan’s commitment to helping her clients build wealth through homeownership, her passion and commitment to a healthy lifestyle though fitness led her and her best friend to create a fitness clothing line, JoPa. The clothing line is a lifestyle brand that epitomizes the union of friendship, strength, power and beauty of a woman (www.thejopalife.com).

Joan is married to husband Keith and the proud mother of Jasmine Fleming, a recent Howard University graduate.