ABOUT US
We exist to empower credit-worthiness. That is our purpose, our passion, and our promise.
Vermont Consumer Credit Consulting (VCCC) traces its origins to the sphere of HUD-funded financial counseling. With a background in social services, the founder and CEO, Jonathan Goffe, began applying those skills at Opportunities Credit Union to assist underbanked consumers, improve their credit profiles, and mitigate defaulted consumer loans and mortgages. During the COVID period, Jonathan launched the company with the aim of reducing private clients’ credit barriers to loan approval or employment. By obtaining technical credentials to perform FICO model soft pulls, VCCC differentiated itself from competitors. Observing the underwriting reports lenders used, the company aligned mitigation strategies for lenders and borrowers.
VCCC was offered a one-time opportunity to access the API at a discounted price, enabling automation and the creation of pre-qualification reports. For the substantial task of building the CRM, developing the MAP algorithm (Multi Agency Preview), and creating the explainable AI (XAi) framework, Jonathan recruited Bernard Johnson, the company’s co-founder and CTO. Bernard has developed a fully functioning CRM designed to assist businesses, individual clients, and the internal consulting staff.
Jonathan and his advisors decided to create the name and logo of ClientVitals (CV) for the software division of the company, enabling easy nationwide integration into various financial deployments. With VCCC as the parent company, the organization remains firmly rooted in Vermont, maintaining a focus on local and state-wide solutions while exploring national opportunities to address pre-qualification barriers.
In August 2024, Wendy Biggs joined as business manager, and in 2025 she was elevated to the executive team as Chief Operating Officer. Wendy brings a background in corporate finance and law, along with extensive operations management experience, enabling her to integrate the operations needs of a growing business. Over the next eight months, the executives expanded their teams, and a dedicated group of 12 diverse professionals began collaborating daily.
Throughout 2025, the team worked with internal consultants, external advisors, and friends of the company to refine its path and goals beyond the CRM. This included the completion of the Alpha MAP algorithm, a refactor of the Client dashboard, and the framework for the XAi, CERA (Consumer Eligibility Resource Assistant). With these milestones reached, the organization is motivated to leverage its knowledge and experience to propel Vermont Consumer Credit Consulting to the next level.
a powerful ecosystem:
Dive into the powerful team driving our design and product engine—where finance meets technology and solid logic fuels scalable solutions. From real life experience to streamlined decision making, our engineers and consultants push innovations and caring at every seam, shaping the future relationship between credit and consumers.
Our team
Jonathan goffe
Jonathan is the founder and CEO at ClientVitals , an innovative leader in the pre-qualification broker sector. With a mission to empower people through expert analysis and borrowing hardship mitigation, Jonathan’s Team has significantly impacted lending opportunities and saved borrowers millions of dollars.
Under Jonathan’s visionary leadership, ClientVitals has pioneered personalized pre-qualifications solutions that have set new standards in client support. His strategic foresight has been instrumental in positioning ClientVitals as a key player in the industry, dedicated to enhancing lender borrower relations, giving consumer access to optimal loan terms and conditions.
Bernard johnson iii – cto
Results-driven, versatile web developer with seven years of hands-on experience, as well as an additional year in IT roles. Adept at thriving in remote and startup environments. Bernard has a strong foundation in web development and a passion for problem-solving. His journey includes eras in web engineering, cloud computing, and machine learning.
wendy biggs – coo
Wendy comes to us from a background in corporate finance and law. She previously worked with a global legal team and is using her experience to drive operations and administration goals forward. Wendy’s passions for organization and communication pull together the best of the team and support best practices for the company.
mark kalloz – Senior Managing Director of VCCC
Mark Kalloz is a highly experienced manager in the financial services sector, currently overseeing branch operations and lending services for a large bank in Vermont for the past five years. Mark’s career spans more than two decades of diverse management experience. This includes 11 years managing some of the country’s largest sporting goods retail stores, following 11 years in the non-profit sector where he directed summer camp and youth programming for the YMCA. His academic credentials include a BFA from Shepherd University and a master’s degree from Savannah College of Art and Design. Demonstrating exceptional commitment and endurance, Mark is also an avid trail runner who has completed 19 50-mile Ultramarathons and successfully thru-hiked the Appalachian Trail and Pacific Crest Trail.
Tim carpenter – Advisor
VCCC Board President (retired) Tim got his Undergraduate Degree from Bentley University with 14 years of lending experience in both the Credit Union and Banking industries. Lending background includes consumer lending, residential mortgage loans, and commercial lending.
He is an active Essex Rotary member and chairs the Rotary All-Star Classic Hockey games. Tim lives in Essex Junction VT with his wife and 2 kids. He spends his free time with my family, golfing & playing hockey.
Jude goffe – advisor
Jude’s career was in private equity in the UK, specialising in early-stage unquoted companies. Based in London, she was an Investment Director at 3i Group, subsequently setting up her own consultancy, providing venture capital advice to small and medium sized businesses in return for equity. Over 40 years, she has worked with and advised many company boards in a quasi non-executive capacity, deriving much pleasure from helping them grow from small to big. She was appointed by the Government as a non-executive Board member of the UK’s regulator of all commercial television (10 years) and subsequently appointed as one of the Founder Directors of the Independent Regulator of the National Health Service Foundation Hospitals. Now semi-retired, she manages her portfolio of unquoted investments, mentors young people, indulges her love of travel, and supports several charities.
timothy french – advisor
Tim French is a results-driven marketing strategist and a valued member of the advisory committee, known for building teams, refining processes, and exploring new ideas. Beginning with graphic design as a communicative tool, he now focuses on how people discover and share through evolving technologies, always seeking to reach the right audience at the right time with the right content, product, or service. As Marketing Design Director, he helped launch IMPLAN’s marketing department in 2016 and guided its transition from a desktop application to a cloud-based SaaS model. His expertise spans strategic market planning, market research, branding, digital development, program implementation, team leadership, media buying, direct mail, and a suite of specialties including CDPs, SEO, data management, marketing automation, and strategic planning.
tonya napoli – ai solutions architect
marlon colato – princple web engineer
Marlon is a New York–based software engineer who specializes in building, updating, and maintaining software and web platforms. He plays a key role in ensuring the company’s digital systems remain efficient, reliable, and up to date. During his free time, he enjoys spending time with family, playing sports, and video games.
ella rice – NEATT Consultant Manger
Ella is the Lead Consultant at Client Vitals. Her specialty lies in the home-ownership sector of pre-qualification consulting. Ella was born and raised in Essex, Vermont, and has now relocated to Seattle, Washington. Ella has an extensive background in client services and leadership roles. In her free time, she enjoys baking, hiking, traveling, and being a foodie.