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There is a relatively small segment of leaders in the business world; individuals who seem able to build relationships, trust, and rapport with almost anyone, and then have the ability to translate their financial needs into plausible solutions.

Joan Fleming-Ridley is one of those rare people, developing solutions in a challenging industry and producing results through her expertise, commitment and relationships, as a senior manager in the mortgage industry. With an enthusiastic and genuinely friendly attitude, Fleming radiates a sincere passion for delivering value and benefits to her customers.

A native of Dayton, Ohio, Fleming professional career began in 1995, when he joined SunTrust Bank in Nashville, Tennessee. In 1999 she joined GMAC Mortgage Corporation as a Government Specialists in Mortgage Loan Origination, was the top producer for the next six (6) out of seven (7) years, before starting her own mortgage company (CreativeVision Mortgage) in 2006.

In August 2010, Fleming joined Citizens Savings Bank & Trust Co. to rebuild and lead the bank’s residential mortgage division, and is responsible for all mortgage operations including originations, processing, underwriting and the administrative function. Fleming is also responsible for leading the bank’s initiative on homebuyer education and financial literacy in her role as Community Development Officer.

Fleming maintains strong roots within the Nashville community by maintaining relationships as a member and board of director with local real estate organizations such as the Mortgage Bankers Association, Habitat for Humanity Community, ABA Mortgage Markets, TNAMP Professional Member and Residential Resources Board Member.