Commercial Banking

Meet your expert team.

DFCU Financial's Commercial Banking team can assist you with everything from simple requests to complex financing for your business.

Our simplified product line and levels of financial guidance positions us as the only financial relationship you'll need. Simply put, we understand business.

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John M. "Jack" Barrett
Florida Market President and Chief Commercial Services Officer

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A native of Tampa, FL, Jack brings more than 30 years of banking, financial and strategic perspective to business owners and executives. From navigating a successful business through the Great Recession to winning Tampa’s Small Business of the Year and being ranked a top SBA lender he knows what it is like to start, grow and sell a business. Jack received his bachelor’s degree in finance with a minor in accounting, as well as his Master’s in Business Administration, from The University of Tampa. He speaks on topics ranging from management and leadership to the banking industry and regulation.

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David Mastrorio
EVP, Chief Lending Officer

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With over thirty years in the financial services industry, $1.5 billion loaned to local businesses, and over $180 million reinvested back into the community through the Paycheck Protection Program, David brings a passion for championing small businesses in Tampa Bay. Dedicated to the community, David served the Children’s Home Board for 15 years, two of those years as Chairman, as well as the Children’s Home Foundation Board. He has a bachelor’s degree in business management from the University of Massachusetts Dartmouth as well as a Master’s in Business Administration from the University of South Florida. He is also a graduate of the School of Banking at Louisiana State University.

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Phil Kapanowski
Managing Director, Commercial Banking

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Phil holds a Bachelor of Arts degree in Finance from the University of Detroit and an Master's of Business Administration in Management from Wayne State University. Phil has spent the majority of his 35 years in Commercial Banking assisting small and mid-sized companies with their commercial banking and financing needs.

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Nick Fadel
Managing Director, Commercial Banking

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Nick's extensive experience in credit underwriting and management of loan portfolios is his foundation for supporting commercial members through every stage of business development. Responsible for managing and growing the Commercial Banking team here at DFCU, Nick provides mentorship and growth opportunities for new business bankers. A proud "Warrior", he earned his Master's of Business Administration from Wayne State University and has now been providing financial solutions to commercial banking clients for over 30 years.

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Mark Kavka
Senior Vice President, Commercial Banking

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Mark joins DFCU Financial after more than 25 years at lending institutions including Standard Federal Bank, LaSalle Bank, and Bank of America. His background in commercial lending and credit analysis complements his commitment to cultivating success for his clients.

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Christien Brow
Vice President, Treasury Management Manager

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Christien holds a Bachelor of Arts from Michigan State University and has twelve years of experience as a Treasury Management professional, working with clients across multiple industries to provide cash management and fraud mitigation solutions. She takes a consultative approach with her clients, learning the unique operations of each business, and helps to implement effective banking practices. 

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Caitlin Japowicz
Vice President, Commercial Loan Officer

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Caitlin’s passion is helping businesses grow. Her collaborative approach and deep expertise in lending lead to long-lasting client relationships that extend beyond each loan closing. She earned her Master's in Business Administration from Walsh College and has been building connections in Metro Detroit’s financial community for more than 10 years.


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While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.