Lorna Fogg, Vice President, Finance & Development, has worked in the tax credit industry since 1995, previously as the director of acquisitions for Raymond James Tax Credit Funds (RJTCF) Inc., a tax credit syndicator and later as President/CEO of Travois Inc., and most recently as a Partner/Owner at VitalSpirit LLC, an affordable housing consulting firm that specialized in Indian Country. Lorna worked her way from the bottom to the top of each organization, learning a wealth of information along the way. While working for RJTCF, she was instrumental in the development of the successful implementation of using the Low-Income Housing Tax Credit (LIHTC) Program in Indian Country. Her experience included structuring successful projects (from an investor and developer’s perspective), relationship building (with investors, state agencies, and tribal personnel), preparing financing applications, underwriting, construction draws, asset management, problem solving, and serving both as an investor and client liaison. As president of Travois, Lorna oversaw staff working in areas of Low-Income Housing Tax Credits, gap financing, compliance, and New Markets Tax Credits and provided training and education to tribes, investors, and other agencies. As owner/partner of VitalSpirit, Lorna used her previous experience to build a consulting firm from a new business into a going concern. She was previously a member of Novogradac & Company LLP’s LIHTC Working Group, which works to resolve technical and administrative LIHTC program issues. Lorna is a Housing Credit Certified Professional (HCCP), designated by the National Association of Home Builders (NAHB) and NAHASDA & Tax Credit Compliance Professional (NTCCP) designated by the National American Indian Housing Council (NAIHC). Lorna graduated from the University of South Florida with a degree in accounting.