Management Team

Tim is the president and CEO of First Federal Lakewood, the largest independent depositor-owned community bank headquartered in Ohio. Tim holds responsibility for the sales and operations, as well as enhancing the bank’s commitment to the customers and communities it serves.
 
Tim is a seasoned financial services industry veteran who offers a unique combination of banking expertise and commitment to the mutual form of banking. As a Northeast Ohio native, he is dedicated to helping our communities and businesses thrive.

Phillips holds a master’s degree from University of Akron and a bachelor’s degree from Miami University in Oxford, Ohio. He has served as a board member for many civic and community organizations, including the American Red Cross, Medina Creative Housing and Highland School Foundation. He is a past chair for the Medina Hospital Foundation and is currently a director for the Medina Hospital, a Cleveland Clinic Regional Hospital.

What is a community-related accomplishment you're really proud of?
While volunteering with a workforce development agency, I have been able to teach work related soft skills and financial literacy to individuals who have since become my First Federal Lakewood colleagues, and are now better equipped with money management skills.

Why did you want to be part of the Financial Literacy Team?
I have been leading financial literacy in the community for nine years, and I am convinced more than ever, of the need for financial education that equips individuals and families with skills to manage money effectively. Establishing an First Federal Lakewood Financial Literacy Team allows for increased opportunities to offer seminars and workshops in the community.

When it comes to helping our local communities, what does financial literacy mean to you?
There is a saying, “knowledge is power”, and by offering financial literacy in our local communities, satisfies a passion of mine to help empower individuals and families to make sound financial decisions that can positively impact generations to come.
 

Kurt Kappa is the Senior Vice President, Chief Lending Officer at First Federal Lakewood, the largest depositor-owned community bank headquartered in Ohio with assets of $2.3billion. In this role, Kurt oversees all commercial, consumer lending, treasury management and investment services lines of business.

Kurt prides himself on building relationships with and making introductions among mid-market business owners in Northeast Ohio. As a member of the bank’s executive team, he provides clients with direct access to the decision makers.
 
He previously was a Senior Vice President, Market Leader at Westfield Bank, responsible for leading all commercial sales efforts within the Medina, Cuyahoga and Lorain County regions. He began his financial services career as a Financial Advisor at UBS.
 
Kurt received a bachelor’s degree in finance from Bowling Green State University and a Master of Business Administration degree in entrepreneurship from Baldwin Wallace University. He is actively involved in a variety of civic and community leadership roles, including serving on the Business Development Council for Team NEO and serves as a Board of Director for the Medina County Economic Development Corporation (MCEDC) and Group Service, Inc. (GSI), an affiliation of the Greater Cleveland Partnership | COSE.

Richard “Rig” Goss is Senior Vice President, Chief Credit Officer with more than 30 years of experience in banking. Prior to pursuing a financial services career, he worked for a construction company in Florida where he earned, and still maintains, a State of Florida General Contractor’s License. His construction background helps him relate to commercial customers and address their unique needs. Rig is active in the community as a member of the Greater Cleveland Mortgage Bankers Association, the National Association of Office and Industrial Parks, the Northeast Ohio Apartment Association, the Chagrin Valley Jaycees and the Chagrin Valley Chamber of Commerce. Before joining First Federal Lakewood, he was a Vice President of commercial real estate lending at several other Cleveland-area banks, including LaSalle Bank, Huntington Bank, Chase Bank and Metropolitan Savings Bank. Rig received a bachelor’s degree in economics from Trinity College in Connecticut and an MBA from Case Western Reserve University.
 

Mike is the Columbus Market President at First Federal Lakewood (“FFL”), the largest independent depositor-owned community bank headquartered in Ohio. In this role, Mike manages a team of business bankers who focus on building commercial lending relationships, deposit generation, optimizing our facilities and market presence. Mike joined FFL in the summer of 2018 and has been instrumental in building our Central Ohio business banking group and, consolidating the three residential lending offices into the Bank’s new full-service office in Dublin. He brings with him extensive experience in financial services and community banking.
 
Before joining FFL, Mike was Central Ohio President for Indiana based Horizon Bank and spent more than 20 years as a Director and CEO of four community banks. He started his professional career in public accounting, where he spent 15 years as a CPA and Partner with Crowe. Mike specialized in financial institutions and provided a wide spectrum of audit, tax and consulting services to commercial bank clients.
 
He received a bachelor’s degree from Purdue University. Mike has extensive experience with all aspects of commercial banking.

Linda Perconti joined First Federal Lakewood in 2019, bringing with her a broad range of retail banking operations and sales experience gained over more than 20 years in the financial services industry. In her role as SVP, Director of Bank Operations, Linda ensures the deposit services team successfully executes operational procedures and effectively supports branch personnel  while also ensuring the branch personnel have the ability to provide our customers the best possible experience in their banking interactions with our branches. Previously, she was Vice President, Retail Operations at First National Bank of Pennsylvania. Prior to that, Linda held several management positions, including Vice President, Bank Administration and Support Services for Parkview Federal Savings Bank; Director, Delivery Channel Solutions for Diebold, Incorporated (now Diebold Nixdorf); and, Senior Vice President, Delivery Planning and ATM Performance for National City Bank (now PNC). She received a bachelor’s degree in business administration from Bowling Green State University. Linda also attended the Stonier School of Banking.

Teresa Stone joined First Federal Lakewood in 2015 as Vice President, Operations Manager before being promoted to Senior Vice President, Director of Mortgage Operations in 2018. Teresa began her career in the mortgage industry in 1982, working in all areas of operations before becoming a Mortgage Originator in 1986. In 1991, she became a part owner in Unlimited Mortgage Services, serving as Vice President of Operations. After the company was sold in 1995, she remained in management roles, including Executive Vice President at Republic Bancorp and Senior Vice President at CFBank. Teresa attended Franklin University.