Commercial Banking Group

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
VP, Cash Management & Public Funds Officer
Bonny Carroll | VP, Cash Management & Public Funds Officer

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 William A Daily Jr.
William A Daily Jr.
VP, Commercial Lending Officer
William A Daily Jr. | VP, Commercial Lending Officer

Phone: (614) 246 – 8058
wdaily@ffl.net

William Daily, Jr. is Vice President, Commercial Lending Officer at First Federal Lakewood, focusing on the Columbus market. William has more than 25 years of experience in the financial services industry, including more than 15 years of senior management experience. He has extensive experience leading high performance teams and as a leader in the areas of portfolio management, business development, operations, compliance, collections, budgeting and customer satisfaction. He is experienced in all areas of commercial lending, including SBA, commercial real estate, commercial and industrial, agricultural, mortgage and consumer lending programs.
 
Previously, William was the Co-Chairman of CBUS Financial Partners, Vice President, Senior Commercial Lender at Horizon Bank, and Senior Vice President, Head of Commercial Banking at Heartland Bank in Columbus, where he led a team of commercial bankers. He was also Senior Vice President, Chief Credit Officer at The Ohio State Bank in Marion, Ohio.
 
William received a bachelor’s degree in economics from Indiana University Southeast and a Master of Business Administration degree from Webster University. He is a graduate of the Midwest Agricultural Banking School and the Graduate School of Banking (GSB) at University of Wisconsin-Madison. He is involved in a variety of civic and community organizations.
Headshot of Jonathan Deshler
Jonathan Deshler
VP, Commercial Real Estate Lending Officer
Jonathan Deshler | VP, Commercial Real Estate Lending Officer

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

Headshot of Suzanne Hamilton
Suzanne Hamilton
VP, Commercial Real Estate Lending Officer
Suzanne Hamilton | VP, Commercial Real Estate Lending Officer

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

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

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 Kurt Lutz
Kurt Lutz
VP, Commercial Banking Relationship Manager
Kurt Lutz | VP, Commercial Banking Relationship Manager

Phone: (330) 835-4264
plutz@ffl.net

Kurt Lutz is Vice President, Commercial Banking at First Federal Lakewood, focusing on the Akron/Canton and Medina markets. Kurt has more than 30 years of experience in consumer, wholesale and commercial banking roles, with extensive experience in small and mid-sized business lending.  He believes that sharing information openly is critical to creating mutually beneficial long-term relationships and he will be responsible for working with commercial customers in Medina, Stark, and Summit county areas helping them reach their business and financial goals. Previously, Kurt was Vice President-Commercial Lending at Westfield Bank FSB, working with industries spanning manufacturing, health care and professional service providers as well as privately held companies. He has held several other positions in the financial services industry throughout his more than 30-year career. Kurt received a bachelor’s degree from The Ohio State University Fisher College of Business. He is active in the community, serving on the board of directors for Goodwill Industries in Akron and Cascade Capital Corporation. He also served on the POWWOW corporate sponsorship committee for Walsh Jesuit High School in Cuyahoga Falls for 10 years.
 
Headshot of Anthony Yannucci
Anthony Yannucci
VP, Commercial Real Estate Lending Officer
Anthony Yannucci | VP, Commercial Real Estate Lending Officer

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 Tom Young
Tom Young
VP, Commercial Banking Relationship Manager
Tom Young | VP, Commercial Banking Relationship Manager

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 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. 
 
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 of the Mentor Economic Assistance Corporation, is the statistician for the Lake Catholic High School varsity football team, and is a graduate of the Leadership Lake County Signature Class of 2018. Tom received a bachelor’s degree in business management from David N. Myers University and earned his MBA from Louisiana State University’s distance learning program.
 
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