Commercial Banking Group

Headshot of Rig Goss
Rig Goss
Commercial Real Estate Manager
Rig Goss | Commercial Real Estate Manager

Phone: Phone: (216) 239-5904
rgoss@ffl.net

Headshot of Kurt Kappa
Kurt Kappa
SVP, Chief Lending Officer
Kurt Kappa | SVP, Chief Lending Officer

Phone: (216) 529-2998
kkappa@ffl.net

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 $1.6 billion. In this role, Kurt oversees all commercial and industrial(C&I)and treasury management teams.
 
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 lending decision makers.
 
He previously was a Senior Vice President, Market Leader at Westfield Bank, responsible for leading all commercial sales efforts within the 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 involved in a variety of civic and community leadership roles, including serving on the boards of directors for the Neighborhood Housing Services of Greater Cleveland, Leadership Medina County, the Greater Medina Chamber of Commerce and the Medina County Economic Development Corporation.
 
Headshot of Bonny Carroll
Bonny Carroll
Cash Management & Public Funds Officer
Bonny Carroll | Cash Management & Public Funds Officer

Phone: Phone: (216) 529-2622
bcarroll@ffl.net

As Cash Management & Public Funds Officer, Bonny Carroll oversees the First Federal Lakewood Treasury Management Department which offers cash management services to public organizations—such as educational institutions, health care centers, religious organizations, trade associations, libraries and government organizations at the city, county and state level—to enhance deposit accessibility and offer them improved control of cash flow. Bonny has more than 35 years of experience in the financial services industry, joining First Federal Lakewood in 2005, first serving as a Branch Sales Manager in the Avon and Avon Lake branches before moving to her current position in 2010. She is a member of the First Federal Lakewood President’s Club and a member of the Northern Ohio Association for Financial Professionals. Bonny received a bachelor’s degree from Denison University and received the Certified Treasury Professional (CTP) designation from 2006 – 2011.
Headshot of Suzanne Hamilton
Suzanne Hamilton
Commercial Real Estate Lending Officer
Suzanne Hamilton | Commercial Real Estate Lending Officer

Phone: Phone: (216) 239-5906
shamilton@ffl.net

Headshot of Matthew Lay
Matthew Lay
Commercial Banking Relationship Manager
Matthew Lay | Commercial Banking Relationship Manager

Phone: Phone: (216) 239-5909
mlay@ffl.net

Matthew (Matt) Lay is a Commercial Banking Relationship Manager with First Federal Lakewood. In this role, he works closely with businesses to help them select the best lending and depository solutions to reach their business goals. Matt has been in the financial services industry for more than 16 years and is highly experienced with commercial real estate loans, business lines of credit, SBA options and a variety of treasury services, such as check scanners and web-based electronic money movement options. Prior to joining First Federal Lakewood in 2014, he was a Relationship Manager with a large national bank and Banking Center Manager with a large regional bank. He received a bachelor’s degree from Bowling Green State University.
Headshot of Ron Schultz
Ron Schultz
Commercial Banking Relationship Manager
Ron Schultz | Commercial Banking Relationship Manager

Phone: Phone: (216) 239-5905
rschultz@ffl.net

Ron Schultz has more than 15 years of experience in the commercial banking industry. As Vice President, Commercial Banking with First Federal Lakewood, Ron works closely with commercial customers to help them select the best banking solutions to accomplish their business and financial goals. He is highly experienced in a number of financial services areas, from lending and business services to sales and marketing, allowing him to build strong relationships that help his customers succeed. Ron is a member of the Growth Capital Foundation Review Committee and earned his bachelor’s degree from Baldwin Wallace University.
Headshot of Ken Stewart
Ken Stewart
Commercial Real Estate Lending Officer
Ken Stewart | Commercial Real Estate Lending Officer

Phone: Phone: (216) 529-2975
kstewart@ffl.net

Ken Stewart joined First Federal Lakewood in 2008 as a Commercial Real Estate Loan Officer. He has more than 26 years of experience in commercial real estate, with extensive experience in commercial real estate underwriting and sales, as well as evaluating income streams generated by many types of income-producing properties. Ken works with customers to help them obtain financing for acquiring apartment buildings, retail properties, mobile home parks and office buildings. He previously worked at Parkview Federal as a Vice President, Commercial Real Estate. Ken received a bachelor’s degree in business administration from Ohio Northern University.
Headshot of Anthony Yannucci
Anthony Yannucci
Commercial Real Estate Lending Officer
Anthony Yannucci | Commercial Real Estate Lending Officer

Phone: Phone: (216) 529-5907
ayannucci@ffl.net

Anthony Yannucci is a Commercial Real Estate Loan Officer with First Federal Lakewood. He is dedicated to achieving solutions for his clients’ financing opportunities. He has more than 30 years of financial services experience, helping arrange solutions for real estate developer/investor clients. He specializes in income-property types, including multi-family, retail, office and industrial/warehouse. He has served as a member of the board of trustees for the Historic Warehouse District Development Corp. and the finance committee of MidTown Cleveland, Incorporated. He previously held positions in commercial real estate at FirstMerit and Home Savings. Anthony holds a master’s degree in finance from Youngstown State University and a bachelor’s degree from Miami University.
Headshot of Jonathan Deshler
Jonathan Deshler
Commercial Real Estate Lending Officer
Jonathan Deshler | Commercial Real Estate Lending Officer

Phone: (614) 246-8055
jdeshler@ffl.net

Headshot of Tom Young
Tom Young
Commercial Banking Relationship Manager
Tom Young | Commercial Banking Relationship Manager

Phone: Phone: (216) 529-2715
tyoung@ffl.net

Tom Young brings more than 20 years of financial services experience to his role as a Commercial Banking Relationship Manager with First Federal Lakewood. With  a strong background in financial analysis and product knowledge Tom helps business owners, controllers and CFOs by offering financial insight that may help them reach their business goals. He enjoys working with customers who recognize how a strong banking relationship can help their business—and likes to say he’s a business man that just so happened to choose banking as his profession. Previously, Tom was a Commercial Relationship Manager with First National Bank and Citizens Republic Bank (now Huntington Bank). He has been recognized as a top performer in commercial banking multiple times. He began his career in the financial services industry in retail banking, where he was a Personal Banker and Branch Manager. In the community, Tom is a board member at the Lake Geauga Recovery Centers and the Mentor Economic Assistance Corporation, and a statistician for the Lake Catholic High School varsity football team. He is also in the Leadership Lake County Signature Class of 2018. Tom received a bachelor’s degree in business management from David N. Myers University and is a current student in the Louisiana State University Master of Business Administration distance learning program.
 
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