Fern V. Orie
Chief Executive Officer

Founding Chief Executive Officer.  Ann Oneida Nation of Wisconsin Tribal member with over 20 years of experience working in Native communities in housing, community development, and lending, including tribal land management and operating a tribal housing authority.  Bachelor's degree in Business Administration.  She is the founding Chair of the Wisconsin Indian Business Alliance, the Vice-Chair of the Native CDFI Network and serves on the Forward Community Investments New Market Tax Credits Advisory Board.  She has recently been appointed by Governor Evers to the Wisconsin Economic Development Corporation's Entrepreneurship & Innovation Committee and the Governor's Council on Financial Literacy.  Also appointed to the Wisconsin Economic Development Association's Board of Directors.

David Gouwens
Chief Operating Officer

David formally joined the WINLF staff in 2019, but has been doing consulting work for WINLF since 2011. Prior to joining the WINLF Team David owned an IT consulting company. Before starting his consulting company David spent 9 years as the IT Director for a multi-state finance company. As such, he developed the majority of the software used by the company. He also performed the role of Operations Manager there. His greatest accomplishment was helping to create an IRA holding company from scratch in three months. David has degrees in both Physics and Theater.


Janice St. Germaine
Director of Lending

A Lac du Flambeau Tribal member who has owned multiple small businesses, served on the Board of a Wisconsin Native CDFI, and has lending experience working for a tribal loan center.


Jeannie Felix
Director of Client Development

She has been certified in the Financial skills for Families, Building Financial Confidence, Pre-Homebuyers Education and Native CDFI Practioner Certification Program - Development Services Specialization.  She will continue to offer financial education programs and coaching to individuals to assist in building financial futures as well as pursue additional training for herself to offer the best services possible.


She has several plus years of office management with a focus on computer software programs with main principles in accounting and data tractability.  An Associates in Human Services with a Psychology certificate, an entrepreneur into small agricultural development and businesses, avid outdoors enthusiast and photographer.

Betty Kerr
Grants Manager / Collections Officer

Betty has been a Red Cliff Community Member for over 25 years, and the mother of Red Cliff tribally enrolled children.  She was self-employed for ten years as a Consultant and Legal Advocate working in several Tribal Communities and Courts throughout WI.  Her past positions include the Cliff Chippewa Housing Authority as the Grant Writer/Executive Assistant and for the Red Cliff Tribe as their  Cliff Tribal Planner.  She has over 15 years of experience in experience in program administration/supervision, including planning/program development, Federal policy writing, and compliance with Tribal, Federal, and State program regulations.  She is also a successful grant writer, securing over 5 million dollars in Federal, Foundation, and State grants in the past three years. 

Kasey Theobald-Wyman
Administrative Assistant

Kasey L. Theobald-Wayman, a tribal member of the Lac du Flambeau Band of Lake Superior Ojibwe, enthusiastically joined the Wisconsin Native Loan Fund team as Administrative Assistant in February 2021. Her background includes employee benefits, health insurance billing and customer service. Kasey is an all-around people person; selfless, optimistic and strong-willed, she loves to help others achieve their goals. Holding high standards and an open mind of her own, in her free time, Kasey studies and is working towards attaining a bachelor’s degree in Human Services through Lac Courte Oreilles Ojibwe College. Hopeful for the future of the Lac du Flambeau community, she strives to have a positive impact on the children. She wishes to show our future leaders that it is great to be yourself, to be honest and to work hard.

Clear Water Lake

Nondiscrimination Statement


This institution is an equal opportunity provider

In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to Department of the Treasury, Office of Civil Rights and Diversity, 1500 Pennsylvania Ave. NW, Washington, D.C. 20220 or call (202) 622-1160.