Phillip N. Baldwin ~ At-Large Board Member

President and Chief Executive Officer

Phil Baldwin is President and Chief Executive Officer of CredAbility, one of Americas leading nonprofit credit counseling and education agencies, serving clients in all 50 states plus the District of Columbia, Guam, Puerto Rico and the US Virgin Islands.

Prior to joining CredAbility, Baldwin served for ten years as president and CEO of Southern Bancorp, the nation’s largest rural development bank with a social mission directed at improving educational opportunities, decreasing poverty and reducing unemployment in disadvantaged rural communities. Mr. Baldwin is a dedicated community leader at both the local and national level and currently serves on the Boards of Directors of the Federal Reserve Bank of St. Louis, the Winthrop Rockefeller Foundation and Ouachita Baptist University.

In 2010, Baldwin was named one of the top five social entrepreneurs in the United States by Bloomberg-Business Week magazine.

He was appointed by the Governor of Arkansas to serve on the Governor’s Roundtable on Health Care and has been awarded the Entrepreneurial Leadership Award from the United States Small Business Administration and been named Economic Developer of the Year in Arkansas.

Mr. Baldwin began his career in the banking services group of Ernst & Young, is a certified public accountant and a member of the American Institute of Certified Public Accountants.