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Chief Executive Officer

Administrator Advisor for HUD-Eastern Woodlands Office of Native American Programs (EWONAP) and co-owner of a construction company.  Ms. Cloud has worked in the Indian Housing & Community Development Industry for 10 years, Tribal Transportation Industry for 15 years and has over 25 years contract/grant management experience.  She’s been a Housing Director, Tribal Operations Manager and a Small Business Development & Technical Assistance Specialist as well as having served on her Tribal Business Development Corporation.  She has a B.S. in Business, Management and Leadership and is an enrolled Bad River Tribal Member.

David Gouwens_edited.png

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.

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.


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.


Grant Manager

Ross joined the WINLF team in 2021 as Grant Manager, where he assists in securing grants and other funding opportunities to support WINLF’s mission, and ensuring those opportunities are successful.  Prior to joining WINLF, Ross worked for nearly 20 years in roles that largely involved successful fundraising in Indian country, such as a grant consultant for nonprofits and federal/local government agencies involved in Indian programs, and as a community development specialist for an Indian-based nonprofit whose mission was to reduce poverty among Indian tribes in the Wisconsin Northwoods.  Ross has also periodically served as an adjunct lecturer of sociology, which he has a doctorate in.  He is originally from Indianapolis, Indiana.


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.


Impact and Collections

Kayla LaGrew is a tribal member of the Red Cliff Band of Lake Superior Chippewa. She joined WINLF in June 2021 as an intern, learning new and valuable skills from working within a CDFI. In August 2021, she joined the team as an employee working collections and impact. In her spare time, she is pursuing her studies at Lac Courte Oreilles Ojibwe Community College and will graduate in May 2022 with her Associate of Science in Liberal Arts. Then she will be pursuing a Bachelor of Business Administration. Kayla has worked for 14+ years as a nursing assistant and med-tech at various local nursing homes. This experience has given her the skills needed to build trusting relationships with clients. She is grateful for the opportunity to work with Native communities and empower their future.


Loan Clerk

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.

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