As Michigan's largest commercial banking firm, we finance retail, multi-family, office, industrial, mobile home communities, and self storage properties in Michigan and across the country.  Despite the unprecedented credit crunch experienced over the past 4 years, BFG has continued to grow its clientele base.   Our broad spectrum of capital sources enables us to finance transactions ranging from $1 million to more than $120 million.  Recently, we have closed multiple non-recourse loans in downtown Detroit.

Our direct, and often times, exclusive relationships with decision makers on Wall Street and at life companies across the country has enabled us to “tell the story” of each deal, increasing the likelihood of obtaining financing, and leading to successful outcomes for our clients.  Our loan process is thorough.  Each loan is underwritten in-house and is reviewed by our entire loan production staff before it is presented to our lenders.   We are able to quickly provide our clients with realistic feedback as to whether or not their deal is financeable. 


Dennis Bernard - President

See Dennis' bio on our Leadership page.

Kevin Kovachevich - Partner - Senior Vice President

Kevin serves as a loan producer for Bernard Financial Group.  Kevin began his tenure with Bernard Financial in January of 2000 as the firm’s loan analyst.  He quickly advanced to loan production and has been doing so since 2004.  In this time, Kevin has become one of the top producing mortgage brokers in Michigan. In 2010, Kevin was awarded Crain’s 40 under 40 distinction as a top business person under 40 years of age.  In his 12 years of loan production, Kevin has been a part of numerous originations with a wide array of lending institutions including life insurance companies, agency lenders (FNMA/HUD), securitized lenders, commercial banks, pension funds and private equity firms. 

Prior to joining Bernard Financial Group, Kevin was a commercial loan officer with JP Morgan.  Kevin graduated Michigan State University with a BA in Finance.  Kevin is happily married to his long time love Danielle and together they have 4 children Jake, Ben, Luke, and Lana.   


Neil Gorosh - Senior Vice President


Neil Gorosh is part of the loan production team with Bernard Financial Group. Neil is a graduate of the University of Michigan from which he received a Bachelor of Arts Degree in History (cum laude) in 1977 and a Juris Doctor Degree from Wayne State University Law School in 1980. In the nearly twenty years during which he has been with Bernard Financial Group, Mr. Gorosh has originated in excess of $1.5 billion in loans with a wide variety of life insurance companies, agency lenders (FNMA and HUD) securitized lenders, bridge lenders and commercial banks.



Dave Dismondy - Senior Vice President

Dave serves  as  a loan producer  for Bernard  Financial  Group.   Dave was born and raised locally in Plymouth and graduated from Michigan State University with a BA in Finance.  He began his career in Arizona as a financial analyst for Intel Corporation where he managed an annual budget of $700MM, led a team of 26 analysts at 13 worldwide computer microprocessor factories, and identified and implemented a project that saved the company $4MM.  Upon his father’s diagnosis with cancer, Dave moved back to Michigan to be close to family.  Since 2005, Dave has underwritten and originated residential and commercial real estate loans, brokered transactions, and invested in projects in Southeast Michigan.


When away from the office, Dave spends his free time with his wife Maria, daughters Ruby & Leah, and son Dex.


Justin Hollis - Vice President - Origination



Justin Hollis joined Bernard Financial Group in 2007. Justin received his BA in Finance with honors from Grand Valley State University and a MSF from Walsh College.

Justin appreciates spending free time with his wife and two sons.



Dan Duggan - Vice President - Origination      

Dan serves as a loan producer for Bernard Financial Group.  He comes to Bernard after more than a decade of commercial real estate experience both in Detroit and Chicago. He led the coverage of Detroit’s commercial real estate sector for Crain’s Detroit Business and prior to that was editor-in-chief of the Illinois Real Estate Journal, a commercial real estate publication in Chicago. He is a proud graduate of Michigan State University and the fifth generation of his family to call metropolitan Detroit his home.

Outside the office, he enjoys spending time with his wife, Melissa, and their three children; Maddy, Connor and Emmett.


Adam Ferguson - Senior Underwriter



Adam serves as a Senior Underwriter for Bernard Financial Group. Adam joined Bernard Financial Servicing Group in 2010 as a Portfolio Manager after graduating from Wayne State University with a BS in Finance.  



 Mark Gertsberg - Senior Underwriter


Mark joined Bernard Financial Group as a Senior Underwriter in March 2016.  Prior to joining BFG, Mark obtained 8 years of multi-family experience working for Arbor Commercial Mortgage as a Senior Analyst responsible for facilitating the loan process for Michigan sales office.  Mark received his BS in Finance from Wayne State University and his MBA from Walsh College. 

While away from the office, Mark enjoys spending free time with his wife Luba and son Adam.



Kathy Garant - Senior Closing Specialist

Kathy started her career at a local credit union as an account clerk, after 8 years of superior member service she joined Bernard Financial Group to expand her knowledge of the financial industry.  

As a Senior Closing Specialist, she assists the servicing department in multiple ways including loan closing, property inspections, bank reconciliations, property tax payments, escrow analyses, and entering new loans but most importantly assisting Bernard Financial Group's clients with top priority.


 Shelby Wachlarz-Origination and Servicing Specialist

Shelby received her Bachelor's degree from Michigan State University. She joined Bernard Financial Group in the role of Origination and Servicing Specialist. Her responsibilities include but are not limited to supporting the origination team in underwriting and closing while at the same time assisting the servicing department with property inspections and servicing reports.

While away from the office, Shelby enjoys exercising, yoga, and spending time with family, especially with her niece Bella.



Sue Posuniak - Administrative Assistant

Suzanne Posuniak joined Bernard Financial Group in the role of Origination and Servicing Administration Support. Her responsibilities include but are not limited to monthly invoicing, bank deposits, and ensuring the office runs smoothly and effectively by providing top notch support for the entire BFG staff. 

While away from the office, Sue enjoys spending time with her family.