For Native. By Native. Rooted in community.
Chehalis Tribal Loan Fund (CTLF) is a Native-led nonprofit organization rooted in service to members of the Confederated Tribes of the Chehalis Reservation and committed to expanding financial opportunity for Native American families, rural communities, and small businesses throughout Southwest Washington State.
Founded by the Chehalis Tribe in 2007, CTLF became a self-sustaining 501(c)(3) nonprofit organization in 2010 and was certified as a Native Community Development Financial Institution (CDFI) in 2015.
Our Mission: Brick by Brick, Paving the way to Financial Empowerment through Education, Coaching, and Fair Lending.
Through fair lending, financial education, coaching, and technical assistance, we work alongside individuals, families, and entrepreneurs to build financial confidence, strengthen economic opportunities, and create pathways toward long-term and generational prosperity.
The People Behind CTLF
Our work is guided by dedicated Board members and staff who bring community knowledge, professional experience, and a shared commitment to CTLF’s mission. Meet the people helping move our mission forward, Brick by Brick.
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.
Adam Flores, Member – Adam is an enrolled Tribal Member and has served as a CTLF Board member since 2026.
Rigo Hernandez, Member – Rigo is enrolled as a member of the Chehalis Tribe and has served as a CTLF Board member since 2026. He currently works at Lucky Eagle Casino and Hotel.
CTLF Staff
Tamra Marlowe De Nova, Executive Director – NMLS #228361
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, Operations Manager | Rising Leader
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 Operations Manager, supporting clients with consumer and business loans while providing technical assistance, financial education, and the tools needed to build long-term financial stability. As a rising leader, Raygen actively participates in professional development programs that strengthen her leadership skills and expand her knowledge in community development and financial empowerment. With a strong passion for helping others succeed, 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
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
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.
Terry Ann Adamo, Administrative Assistant
Terry joined CTLF in May 2026, bringing more than 20 years of experience supporting senior leaders across corporate, nonprofit, government, and entrepreneurial organizations. A graduate of Trend Business College and a proud U.S. Army Veteran, Terry specializes in executive support, complex calendar and travel management, office operations, and process improvement.
Known for her professionalism, discretion, and attention to detail, Terry has built a reputation for creating efficient, organized operations and fostering strong relationships with executives, colleagues, and stakeholders. At CTLF, she is dedicated to supporting the team’s mission by helping create the structure, stability, and efficiency that enable individuals and families to achieve greater financial security.
