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.

Photo of Phil Kapanowski

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 MBA 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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Responsible for managing and growing the Commercial Banking team here at DFCU, Nick has been providing financial solutions to commercial banking clients for over 30 years. Vast experience in credit underwriting, business development and management of commercial loan portfolios.

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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 MBA 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 $25,000 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.