Stephen McHenry has served as MARBIDCO’s Executive Director since December 2006. As MARBIDCO’s Executive Director, Steve has overall management responsibility for the staff, budget, and day-to-day operations. Steve supports MARBIDCO’s Board of Directors, providing strategic visioning and policy implementation, and reporting on the organization's performance.

He develops and maintains relationships with key stakeholders, such as federal and State agencies, commercial banking institutions, farm and rural industry groups, agricultural land preservation organizations, and regional and local economic development agencies.

Steve also develops relationships with other providers of capital and credit, advises rural business owners on financing options, and ensures that MARBIDCO’s financing programs are meeting established credit underwriting and programmatic objectives.

A lifelong Maryland resident, Steve and his wife reside in Anne Arundel County. They have three daughters and two grandchildren.

Stacy Kubofcik served as MARBIDCO’s Senior Programs Manager, having joined MARBIDCO in March 2020. In June 2024, she was promoted to Assistant Director.

She oversees a staff that administers MARBIDCO’s loan, grant, and land preservation programs. She also supports the Executive Director during the legislative session and outreach to MARBIDCO stakeholders.

She serves on Northeast SARE’s (Sustainable Agriculture Research and Education) Administrative Council. She is a graduate of the LEAD Maryland Fellowship Program (Class XII) and the Commercial Ag Lending Course offered by Farm Credit University.

She currently lives in Catonsville with her husband and two daughters.

Allison Roe joined MARBIDCO in July 2016 and has served as a Financial Programs Associate, Financial Programs Specialist, and, most recently, Officer/Program Coordinator. In her position, Allison provides program outreach and administers loan, grant, and land preservation programs. In addition, Allison assists with program development and currently coordinates the Next Gen Programs.

She also graduated from the LEAD Maryland Fellowship Program (Class XI), a UME Signature Program, and the Commercial Ag Lender Course at Farm Credit University.

Allison is a lifelong resident of the Eastern Shore of Maryland. She currently lives in Talbot County.

Christina Wilkins joined MARBIDCO in June 2008 and has served as a Loan Processing Assistant, Bookkeeper, and Accounting Coordinator. Tina is responsible for administering MARBIDCO’s bookkeeping, loan processing, database management, and other support functions, ensuring all office financial records are timely and accurate.

She facilitates all financial audits and assists with various special projects. Tina’s prior experience streamlining office processes and procedures has enabled her to implement effective office and bookkeeping procedures for MARBIDCO.

A lifelong Maryland resident, Tina resides in Anne Arundel County with her husband and two children.

LeeAnn McCullough joined the MARBIDCO staff as our Accounting Assistant/Receptionist in 2017. In her position, she assists with administering MARBIDCO’s bookkeeping, loan processing, database management, and other support functions, ensuring all office financial records are timely and accurate.

She resides in Crofton with her husband and two daughters.

Daniela Merkle joined MARBIDCO in May 2019 as a Loan Administration Specialist. In her position, Daniela helps to administer MARBIDCO loans and assists loan officers with new loan closings as needed.

Her responsibilities include monitoring and servicing loans and grants; assisting with loan pre-closing activities and reviewing post-closing loan documentation.

Daniela grew up in Sicily, Italy. As a hobby, her father owned an orange orchard where he also grew many other fruits and vegetables.

She currently lives in Gambrills, Maryland, with her husband and youngest child.

Jill Zarend joined MARBIDCO in January 2022 as the Communications Associate. She was promoted to Communications Specialist in June 2024. Her duties include maintaining the organization’s website, designing print and digital marketing materials, creating advertisements, media buying, event planning, creating e-newsletters, assisting with customer outreach, and handling special projects.

Jill attends more than 20-plus annual agricultural trade shows and events to promote MARBIDCO’S portfolio of financial opportunities for those in the food and fiber industries.

Jill grew up in Michigan and has resided in Colorado and Arizona, but has lived in Maryland for several years. She currently lives in Anne Arundel County and has a grown daughter and granddaughter.

Sierra joined MARBIDCO in August 2022 as a Financial Programs Associate. In her position, Sierra manages a portfolio of existing accounts, evaluates loan and grant program requests, reviews applicant business plans and financial statements, performs credit underwriting analyses, facilitates loan settlements, interfaces with lending institutions and development agencies, prepares written reports of program activities, and assists farm and seafood industry clients.

Sierra was raised in southern Anne Arundel County, where she actively participated in 4-H and FFA and grew her passion for agriculture. Sierra also attends trade show events, undertakes special projects, and supports other staff projects.

She is a proud graduate of LEAD Maryland Class XIII. Sierra resides in Deale with her German Shepherd, Kane.

Brittany joined MARBIDCO in June 2023 as a Financial Programs Specialist. In her position, Brittany manages a portfolio of existing accounts, evaluates loan and grant program requests, reviews applicant business plans and financial statements, performs credit underwriting analyses, facilitates loan settlements, interfaces with lending institutions and development agencies, prepares written reports of program activities, and assists farm and seafood industry clients.

Brittany was raised in Southern Anne Arundel County, where she actively participated in 4-H. Brittany graduated from Farm Credit University’s Commercial Ag Lender program in June 2024.

Brittany resides in Harwood with her husband and two daughters, where they grow pumpkins and raise turkeys.

Brian Cadden joined MARBIDCO in August 2023 as a Financial Programs Specialist and was promoted to Financial Programs Officer in October 2025. Brian provides financial and business development assistance to agricultural and resource-based businesses in Maryland and is the main point of contact for MARBIDCO’s Maryland Resource-Based Industry Financing Fund (MRBIFF) loan program, which provides low-cost financing to help young and beginning farmers purchase their first farms.

His duties also include managing grant programs, evaluating loan and grant program requests, reviewing applicant business plans and financial statements, drafting legal documentation, performing credit underwriting, facilitating loan settlements, and interfacing with partner lending institutions and local development agencies. He is a Farm Credit University graduate and is a fellow with the LEAD Maryland Class XIV

Brian currently resides in Annapolis.