Brad Elphick is a partner in the metro Atlanta office of Novogradac & Company LLP. He has extensive experience in the low-income housing (LIHTC), historic (HTC) and new markets tax credit (NMTC) programs. Mr. Elphick specializes in developer consulting with an emphasis in forecasting and partnership taxation. He also works extensively with real estate partnership audits, compliance audits, as well as the structuring of LIHTC and NMTC applications. Mr. Elphick also leads and coordinates the NMTC Working Group, a membership organization that is highly regarded for the work it does addressing technical programmatic issues surrounding the NMTC industry. He is a regular contributor to the Novogradac Journal of Tax Credits’ NMTC content, a frequent speaker at industry events, and serves as chairman of Novogradac & Company’s annual fall New Markets Tax Credit Conference. Mr. Elphick received a bachelor’s degree in business administration with an emphasis in finance from Emory University and a master’s degree in taxation from Georgia State University. He is licensed in Georgia, Puerto Rico and the District of Columbia as a certified public accountant.

Bob Ibanez is the manager of the New Markets Tax Credit (NMTC) program and Bank Enterprise Award (BEA) Program at the Community Development Financial Institutions (CDFI Fund). In this capacity, he is responsible for overseeing the management of tax credit allocations to community development entities and monetary awards to FDIC-insured financial institutions around the country that are dedicated to financing and supporting community and economic development activities. Before joining the CDFI Fund, Mr. Ibanez managed a private consulting practice specializing in business planning, capital acquisition and formation, financial management, and organizational assessments for nonprofit, community development organizations. While working as a consultant, he also served as an application reviewer for the CDFI Fund. His prior experience also includes serving as a senior loan and investment officer for Neighborhood Housing Services of America, vice president for the Initiative for a Competitive Inner City-Boston Advisors, associate director for internal consulting for the Neighborhood Reinvestment Corporation and as a former VISTA Volunteer. Mr. Ibanez received his master’s degree in management from American College and a bachelor’s degree in marketing from the University of Massachusetts, Amherst.