Meet our Leadership Team.

Get to know our organization.

We are honored to have a distinguished board of trustees with exceptional experience in health care and senior living at Covenant Retirement Communities.

The executive leadership team and board of directors are committed to the strategic vision of assisting and meeting the needs of future generations of residents and staff.

Terri Cunliffe
President and CEO

Terri began her career with CRC in 1988 as administrator of the Assisted Living facility at Covenant Village of Florida. She became responsible for the health care center in 1992, and in June 1996 was named campus administrator of Covenant Village of Florida. Her extensive health care experience proved beneficial as CRC leadership recognized a need for more directed emphasis on health and wellness issues. She was named Associate Vice President of Health and Wellness in August 2000 and Vice President of Health and Wellness in January 2004. In March 2010, she became Executive Vice President, with responsibility for campus operations, health and wellness and LifeConnect®. Her title was changed to Chief Operating Officer in 2014.

Terri graduated from the University of Minnesota with a degree in long-term care administration. As part of her undergraduate experience, she served an internship at Colonial Acres on the Covenant Village of Golden Valley campus. She has a master’s degree in health services administration from Nova University in Fort Lauderdale, FL. Terri and her husband Dave live in Boca Raton, Florida, and worship at the Community Christian Church in Tamarac.

Joshua Anderson
Associate Vice President of Operations

In 1999, Josh started his career at Covenant Village of Florida in the facilities department. In May of 2000, he moved to Covenant Village of Northbrook as a Sales Representative, and to Covenant Village of Golden Valley as a Sales Assistant in 2002. In late 2002, he became a Management Leadership Trainee serving the Golden Valley and Bethany Covenant Village campuses, working primarily in the Skilled Nursing environment. After completing the training program, he stayed on and became Assistant Administrator in 2004. Returning to Covenant Village of Northbrook in 2007 as the Residential Administrator, he helped plan the new Town Center and move operations to a new building. He was named Executive Director of The Holmstad in June 2011 with oversight of Geneva Place, positioning both operations at 90%+ occupancy. In March of 2015, he became Associate Vice President of Operations for CRC, overseeing 12 campus operations. 

Josh and his wife Christine live in Highland Park, IL, with their twin girls, Caitlyn and Calla. They worship at Willow Creek North Shore in Northfield, IL. Josh is a graduate from North Park University in Chicago.

David Erickson
Sr. Vice President and General Counsel

After having served almost 15 years as an outside legal consultant to CRC, David joined the CRC leadership team in February 2008. He also served as a Management Leadership Trainee and Marketing Representative for Covenant Village of Northbrook, Mount Miguel Covenant Village, Covenant Village of Florida, The Samarkand and Covenant Village of Golden Valley. As CRC’s Senior Vice President and General Counsel, David serves as the legal advisor for the organization and handles matters including fair housing, resident contracts, regulatory matters, development and acquisitions and community benefits. He oversees risk management and is the corporate compliance and privacy officer, assuring CRC practices meet regulatory guidelines. He also collaborates with outside attorneys when specialists are required.

Prior to joining CRC in 2008, David worked in a private practice that served CRC along with other retirement communities and nonprofit organizations. He is a graduate of Bethel University and received his law degree from Kent College of Law in Chicago.

David and his wife Judy live in Northbrook and worship at Deer Grove Covenant Church. They have two young daughters, Emily and Molly.


Randal "Randy" Gross
Vice President of Facilities Management

Randy joined Covenant Retirement Communities as Director of Facilities at Windsor Park in February 2011. In May 2012, he was named CRC’s Vice President of Facilities Management, and is responsible for managing CRC’s assets. He also develops standards in housekeeping and apartment finishes, and works closely with CRC’s campus leaders on managing capital to address maintenance.

After earning a Bachelor of Science degree in civil engineering technology from Southern Illinois University, Randy worked for United Parcel Service, overseeing environmental compliance, project management, facility maintenance and housekeeping for several distribution facilities. He was also a project engineer at the Decatur Airport, project manager for the Rockford air hub, and plant manager for several Chicago area transportation hubs. He later worked at Cardinal Health as a systems technology manager, and at the Chicago Zoological Society where he managed several work groups.

Randy, his wife Patti, and three children, Rachel, Marty and Tommy, live in Arlington Heights and are active members at St Edna’s Catholic Church. Randy has been chair of the annual picnic where he helps coordinate over 100 volunteers to manage the event and assist in fundraising for the church. 

Jay Hibbard
Sr. Vice President of Sales, Marketing & Communications

In September 2016, Jay joined CRC as Senior Vice President of Sales, Marketing and Communications. Jay has extensive experience with sales training and management as well as marketing strategy and execution, having worked with more than 20 CCRCs across the country. He also brings the unique perspective of serving on the board of directors of Shell Point Retirement Community, Ft Myers, FL.

After graduating from Liberty University with a degree in Communications, Jay worked for The Ward Group, a Washington, DC, public relations firm. He began his senior living career at The Pines at Whiting, then became Director of Sales for ACTS Retirement-Life Communities. Jay next served as Vice President of Sales for Spectrum Consulting, then joined Martino & Binzer (now Bluespire Senior Living), a senior living marketing and communications firm.

Jay lives in Chesapeake, VA, with his wife Karen and children Gretchen (16) and Nicholas (11). They are very active in the Great Bridge Presbyterian Church and lead a small group. Karen is also very active in her charity work with Living Waters of the World, a global clean-water initiative, as well as serving on the board of St. Mary’s Home for Disabled Children.

Jody Holt
Chief Financial Officer

Jody Holt is a certified public accountant and has more than 28 years of experience in both the public and private sectors. She works closely with CRC leadership on major strategic and operational issues while providing oversight on all financial and planning functions. Holt came to CRC after serving as CFO for a leading global provider of high speed internet. In addition, she has served on the CRC board of directors. She holds a BS in accounting from The Pennsylvania State University.

Michelle Kozloski
Vice President of Human Resources

Michelle joined Covenant Retirement Communities in 2015. She is responsible for organization strategy, talent management, recruitment and onboarding, training and development, compensation and benefits.

Michelle began her career at Marshall Field’s in Chicago in buying and management positions. She later joined Kraft Foods, Inc. as a staffing manager, and soon took on a variety of senior human resources roles. After leaving Kraft in 2009, Michelle formed her own business and provided human resources consulting services, primarily to non-profit organizations. In 2011, Michelle joined Dairy Management, Inc., a non-profit with a national organization and 17 local dairy groups, and provided overall human resources services.

Michelle and her husband, Tom, live in Glenview. They have a son, Will, who attends New York University and two high school-aged daughters, Sydney and Taylor. They are active members of Our Lady of Perpetual Help in Glenview, where Michelle has served as the School Board President, a Parish Finance Council member, and a Women’s Guild member. She is currently a formation team member for the Christ Renews His Parish ministry.

Jeff Lundeen
Vice President of Strategic Development

Jeff Lundeen serves as the President of Covenant Solutions, where he oversees the operations of development and master planning projects. He also serves as project executive, managing development projects from concept through completion.

Mr. Lundeen earned his Bachelor of Business Administration from North Park University in Chicago, Illinois. He received his degree in Long-Term Care Administration from the University of Minnesota. He has more than 20 years’ experience in the health care and senior living industry. His previous roles include serving as campus administrator and the president of Presbyterian Homes of Wisconsin. Over the past ten years, he has coordinated more than fifty construction projects in all levels of service for CCRCs, ranging in size from $500 to over $30 million. In addition, he has coordinated and/ or participated in master planning projects at more than 35 CCRCs. Mr. Lundeen is based out of Denver, Colorado.

Elizabeth McLaren
Associate Vice President of Healthcare

Elizabeth McLaren joined the CRC leadership team in August 2009 as the National Director of Healthcare, overseeing third party billing and providing support for CRC healthcare communities. Her responsibilities expanded to more direct involvement in the skilled nursing and assisted living facilities, and in May 2016, she was named Associate Vice President of Healthcare. Prior to coming to CRC, Elizabeth served as a consultant to CRC through Frost, Ruttenberg & Rothblatt (FR&R).

A leader at the national level in the healthcare industry, Elizabeth is a member of the LeadingAge Illinois Skilled Nursing Facility Cabinet. She also is on the American Healthcare Association (AHCA) not-for-profit provider council and the healthcare provider billing advocate committee. In 2011, Elizabeth authored “Long-Term Skilled Services: Applying Medicare's Rules to Clinical Practice,” a book that is considered a seminal resource for those involved in Medicare billing.

Elizabeth has two young daughters, and she and her husband live in Round Lake, Illinois. The family is actively involved in the life of St. Bede’s Catholic Church in Ingleside, Illinois.

Francis "Fran" Palma
Sr. Vice President of Digital Strategies

Fran joined CRC in September 2016 as Senior Vice President for Digital Strategies. In his previous position, he had managed CRC’s corporate campus websites and digital marketing strategies since 2013.

With a degree in Psychology and an interest in Computer Science, Fran began his career in 1995, splitting his time between social work and building eldercare databases and providing online marketing. In 1999, he started an online advertising department for Partner Communications, and four years later moved to a marketing agency called Creative Energy. In 2004, he joined Martino & Binzer (now Bluespire Senior Living), to establish a digital department. He worked with more than 100 senior living organizations, providing strategic marketing planning, direction and execution. He developed several marketing technology platforms, and frequently speaks at senior living conferences on digital and traditional marketing, lead generation and analytics.

Fran and his wife, Jennifer, live on Lake Pocotopaug in East Hampton, CT. They have a son, Ethan (13) and daughters, Lauren (8) and Charlotte (6) with two dogs, three fish and a cat.

Melinda Scott
Vice President of Sales

Melinda joined CRC as Vice President of Sales and Marketing in April of 2015. She oversees sales functions and staff for all campuses, and collaborates with CRC’s marketing agency and corporate office team on marketing and strategic initiatives. Her fifteen years of experience in nonprofit senior living provides insight into trends and opportunities within aging services.

Previously, she served as president of Holleran, a research and consulting firm, and in that role, got to know CRC and its campuses. She then served as Vice President of Marketing & Sales at Willow Valley Communities, and Vice President of Senior Living Business Development for Sodexo. Melinda earned a B.A. in foreign languages from Millersville University, and certifications from the Sandler Training Center for Professional Development, National Association of Examiners for Long Term Care Administration (NAB), and Center for Risk Communication; and served on the Consumer Experience Committee of the American Health Care Association (AHCA).

Melinda lives in Lancaster, PA, and has a daughter, Kelly, residing in Columbus, Ohio, and a son, Michael, who is employed by the U.S. Senate in Washington, DC. Melinda worships at Saint John Neuman Catholic Church in Lancaster, PA.

Cory Stern
National Director, Transformation and Project Management

Cory’s career with Covenant Retirement Communities started in 1988 at Ebenezer Covenant Village. He later began working at The Holmstad in Batavia, IL, as a lead accountant, and served as regional accountant from 1999 to 2006, overseeing accounting for seven campuses. In 2012, Cory joined Covenant Retirement Communities’ operations department, and became the National Director of Transformation and Project Management in 2016. 

Cory currently resides in Minneapolis, MN, where many of his family members live. He is an active member of Christ Community, where he is on the vocal team. He attended college at Northwestern College in Roseville, Minnesota, where he received Bachelor of Science with a major in theatre and accounting.

To learn more about our communities, please click here to contact us online or call us at (773) 878-2294.