2021 HW Insider: Merced Cohen


Merced Cohen’s innovative approach to operations and inspirational leadership style have made her vital to CIVIC’s growth from funding $20 million per month to more than $1 billion annually. The success Cohen has achieved in scaling CIVIC’s business is not just the result of the considerable time she has devoted to the organization and her key role in it, but also the manner in which she treats every task and person. Her ability to apply the disciplines from conventional lending to the private money space helped her achieve a 13% reduction in cost per loan while also increasing volume by 5x over the last two years — all the while being a fierce and empathetic leader to the entire organization. Under Cohen’s leadership, in the past year CIVIC has exceeded 12,000 loans and $5 billion funded. Cohen has revolutionized a role traditionally known for being transactional to one that is highly collaborative and strategic, uniting multiple business units to create interdepartmental communication and efficiencies to drive major organizational change.


Merced Cohen


EVP, Operations

Company Name:

Civic Financial Services

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