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Debra Holley Shoaf, CPA

Debra Holley Shoaf, CPA

Chief Financial Officer

Atlanta, Georgia

Expertise in development of banking/investor relationships, improvement of operational efficiency, financial reporting, due diligence, system conversions, creation and disposition of businesses, tax strategies and compliance, and internal/external audits. Early professional background included six years of diverse public accounting, audit, and tax experience. BBA in Accounting. Certified Public Accountant. Core competencies include:

» Business and operations planning. At Ivan Allen, controller for a business with 25 corporations totaling $125M in sales. Managed the merger of 24 subsidiaries into one parent company. At Renfroe, CFO for a business with up to 11 companies, 15 divisions, and three joint ventures. Drove the $55M divestiture process of two divisions. At Habitat, oversaw the bid process that saved 35.7%, or $100k/yr., in healthcare premiums.

» Bank and investor relationship management. At Renfroe, managed lending relationships with multiple banks for fully leveraged real estate portfolio, including monitoring of loan covenants and negotiation of work out on one project. At Habitat and the Food Bank, managed New Markets Tax Credit funding for new facility construction, including negotiation of $46M tax credit allocation and $31M+ bridge financing at the Food Bank. In 2021, closed an additional $33M working capital NMTC transaction.

» Accounting and management reporting. Adept at providing accurate, timely financial reporting to executives, lenders, investors, and auditors. At Renfroe, translated the CEO’s vision for proposed projects into forecasts and explanations to promote the vision to other stakeholders.


  • Vice President of Finance and Accounting (Atlanta Habitat for Humanity)
  • Chief Financial Officer (Atlanta Community Food Bank)
  • Chief Financial Officer (Renfroe Enterprises)
  • Advisory Board Member (Rural Development Partners)
  • Financial Leaders Steering Committee Member (Feeding America)


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