Pamela “PJ” Craig leads the Harford Community Action Agency, where she is on the front lines of fighting poverty and strengthening communities. With more than a decade of experience in human services and community development, PJ brings a deep passion for equity, justice, empowerment, and opportunity.

Terry Grant, CEO and Managing Partner, KatzAbosch
Terry Grant joined KatzAbosch in 1989 and currently serves as the firm’s CEO and Managing Partner. With decades of experience, she provides strategic consulting to small businesses, helping them address a wide range of operational and compliance challenges. Terry has deep expertise in navigating the complex regulatory landscape associated with state and federal government contracting.

Her specialization lies in serving clients in the government contracting and construction industries, particularly in areas such as taxation, bonding, and financing. She holds the prestigious Certified Construction Industry Financial Professional (CCIFP) designation—an elite credential held by fewer than 25 professionals in Maryland and fewer than 900 nationwide—demonstrating her exceptional knowledge and commitment to the industry

Senior Vice President of Business Banking & Business Development at Freedom Federal Credit Union.  My Team and I work with businesses in Harford County, Baltimore County, Baltimore City, and Carroll County. We assist with lending and deposit needs of companies by providing business banking products and services.  In addition, I serve on the company's Community Outreach Committee where our employees give back of their time and talents to various community organizations and projects.  Freedom Federal Credit Union is recognized for our commitment to the communities that we serve and our members.

APG Federal Credit Union Business Banking supports local businesses and nonprofit organizations with smart banking and flexible borrowing solutions. As a member-owned credit union, we offer business checking and savings accounts, loans and lines of credit, plus personalized local service in Harford, Cecil, and Baltimore counties and Baltimore City.  Our business banking solutions include checking and savings accounts, online and mobile banking, merchant services, and cash‑management tools designed to simplify daily operations. When it’s time to invest in growth, APGFCU offers business loans and lines of credit to support equipment purchases, real estate needs, working capital and expansion opportunities. Discover how APGFCU Business Banking team can support what’s next for your business.