Amy Rowland, President


Amy has over 30 years' experience developing affordable housing and community facilities in low income communities across the country, using public and private financing.

Janell Duffin,

Asset Manager


Janell has 14 years' experience in underwriting and closing loans, and 10 years in asset and risk management.  She is responsible for managing all of CDFA's $108.15 million NMTC portfolio.

Staci Olsen, NMTC Program Manager


Staci has 33 years’ experience in finance and has been with CDFA since its inception.  She has managed the deployment of all of CDFA’s $108.15 million in NMTC activity to date.

Founded in 2010 by a Utah-based community reinvestment loan fund and a local Salt Lake City nonprofit development group, CDFA is a nonprofit CDE with a mission of deploying capital in underserved communities by providing below-market financing coupled with strong technical assistance. CDFA’s staff, board members and consultants have extensive expertise in both NMTC financing and community development.


We work with nonprofits and government agencies that lack real estate development experience or the staff capacity to secure financing for complex projects on their own.  Our services include assisting clients on structuring financing, securing debt and equity investments, and navigating the finance and development processes.  Working with project sponsors, we access the financial benefits of NMTCs to expand and develop facilities that are critical to Utah’s distressed urban and rural communities.

Board of Directors


Kathy Hale, Ally Bank, Chair


William Whetstone, American Express NA, Vice Chair


John Milliken, Milcom, Secretary/Treasurer


Grant Whitaker, Utah Housing Corporation


Jennifer Schumann, Salt Lake City Housing & Neighborhood Capital Planning


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