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Thomas Kuslits

Executive Vice President, Chief Lending Officer

Banker. Leader. Friend. Tom Kuslits is a commercial banker that wears many hats—and he does it all very well. From overseeing international and municipal banking to capital market products and services, Kuslits has earned a solid reputation over the past 30 years throughout the Michigan market.

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Ted Wahby

Group Manager, Middle-Market Lending

Born and raised in St. Clair Shores, Mich., Ted Wahby began his career 31 years ago at JP Morgan Chase (formerly the National Bank of Detroit). Working in their corporate finance group, he assisted with strategic planning, bank acquisitions, cash flow monitoring, investor presentations, and data issuances for 15 years before moving into the commercial lending sector.

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Andrew Roy

Senior Vice President/Group Manager, Middle-Market Lending

With over 25 years of experience in middle-market lending, Andrew Roy has honed his talents helping companies grow, prosper, and transition to the next generation. Born in Grosse Pointe and graduating from Michigan State, he worked at Michigan National Bank and Comerica prior to joining the Flagstar Bank team.

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John Antonczak

Senior Vice President, Lending Officer

Coming from a business background himself, Antonczak understands the importance of continuous improvement—especially when it comes to problem solving. “Every business is different,” says Antonczak. “It’s important that your products keep pace with your clients.”

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Ken Jones

Senior Vice President, Indirect Lending Originations Manager

Ken Jones is a seasoned consumer lending professional who began his career in 1980. He worked in the consumer credit space for many years for various banks, including Citicorp and Commerce Bank of Kansas City before moving into indirect consumer lending in 2004.

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Christian Hyek

General Manager/Senior Vice President, Core Capital Finance

We’ve gathered a group of individuals who’ve developed a good pedigree working for large institutions. Flagstar brings all that scale and expertise down to a boutique level.

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Vivian De Moraes

Vice President/Regional Manager, Core Capital Finance

Having brokered equipment financing deals while serving as an international corporate banking relationship manager, Vivian De Moraes now represents Flagstar’s core capital finance department in the Midwest and Florida regions.

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Michael Pluta

Vice President/Regional Manager, Core Capital Finance

Using leases, loans, and other financial products, Michael offers his clients alternate, structured solutions. “I enjoy placing capital and helping private U.S. companies grow and reach their goals.”

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Brian Ris

Indirect Originations Manager, Core Capital Finance

Brian credits his successes to his strong respect for client communication. Through careful listening, he learns their particular situation, helping him uproot issues and key into opportunities to assist in their success.