The Chehalis Tribal Loan Fund (CTLF) was established in 2007 by the Chehalis Tribe and became a certified Native Community Development Financial Institution (CDFI) in 2015. As a 501(c)(3) tax-exempt nonprofit organization, CTLF is dedicated to “Paving the way to financial empowerment through Education, Coaching, and Fair Lending.”
CTLF proudly serves Chehalis Tribal members, employees of the Tribe and its entities, other Native Americans, and members of the surrounding community. Our programs and services are designed to build financial confidence, provide access to fair lending, and support both personal and business growth.
Our ultimate goal is to help clients become financially strong and independent—empowered to choose the lending institution that best fits their needs for future financing.
CTLF Board of Directors
Kevin Bray, Chairperson – Kevin is an enrolled member of the Chehalis Tribe and has served as a CTLF Board member since 2018. He currently works at Lucky Eagle Casino & Hotel as the Executive Chef.
Trudy Marcellay, Vice Chair – Trudy is an enrolled member of the Chehalis Tribe and has served as a CTLF Board member since 2019. She currently works for the Chehalis Tribe as the Heritage and Culture Coordinator.
Alicia Medina, Secretary/Treasurer – Alicia is an enrolled member of the Chehalis Tribe and has served as a CTLF Board member since 2016. She is currently on hiatus and works as a crime victims advocate.
Frazier Myer, Member – Frazier is an enrolled member of the Chehalis Tribe and has served as a CTLF Board member since 2018. He currently works for the Chehalis Tribe as the Communications Coordinator.
Christopher Pickernell, Member – Christopher is an enrolled member of the Chehalis Tribe and has served as a CTLF Board member since 2023. He currently works for the Chehalis Tribe as the Assistant General Manager.
CTLF Staff
Tamra Marlowe De Nova, Executive Director – NMLS #228361
tdenova@ctloanfund.org
Tamra graduated from Western Governors University with a bachelor’s degree in Business Management, a master’s degree in Management and Leadership, and an MBA. Prior to becoming Executive Director, Tamra served as a CTLF Board member. Since becoming Executive Director in April 2022, she has implemented new strategies and programs to help Chehalis Tribal members and surrounding community members gain access to financial education and training, small and microbusiness development support, and to avoid predatory lending practices. The Executive Director is responsible for diversifying funding sources, managing the revolving loan fund and technical assistance (T.A.) programs, and overseeing community outreach.
Raygen Shiver, Portfolio Manager
rshiver@ctloanfund.org
Raygen is a 2024 graduate of Centralia College with an Associate of Applied Science degree in Accounting and Tax. She joined the Chehalis Tribal Loan Fund (CTLF) in September 2023 and has grown into the role of Portfolio Manager, supporting clients with consumer, auto, home improvement, and business loans. With a strong passion for financial empowerment, Raygen plays an active role in organizing community events such as the annual Brick by Brick Dinner & Auction and the CTLF Golf Tournament. She is dedicated to building relationships, providing education, and helping community members achieve long-term financial stability and success.
Pierre Augare, Business Development Officer
paugare@ctloanfund.org
Pierre is an enrolled member of the Quinault Nation. He has been with CTLF since January 2025. He supports entrepreneurs by expanding access to capital and providing technical assistance, credit building, and financial education. He previously served as Executive Director of Taala Fund, where he led major organizational improvements in policy, technology, and loan programs. With a strong background in tribal governance, including roles with the Quinault Indian Nation and the National Congress of American Indians, Pierre brings decades of experience in leadership, business, and community development. Raised in a family of entrepreneurs, he is passionate about economic empowerment and creating opportunities for all communities.
Amanda Garcia, Loan Processor
agarcia@ctloanfund.org
Amanda is a seasoned mortgage lending professional with over 18 years of experience in loan processing and underwriting. She joined the Chehalis Tribal Loan Fund in June 2025, bringing deep expertise across a wide range of loan programs, with a specialty in HUD 184 loans for tribal members. Amanda’s approach to lending is centered on building strong personal connections and understanding each client’s unique financial situation to deliver tailored lending solutions.
Sandra Spahr, Administrative Assistant
sspahr@ctloanfund.org
Sandra is an enrolled member of the Cowlitz Tribe. She graduated in December 2022 with a Certificate of Proficiency (C.O.P.) in Administrative Support from Lower Columbia College. She has been with CTLF since September 2024.
