business meeting

2023 Mid-Sized Business Owner Report

Our inaugural Mid-Sized Business Owner Report captures viewpoints on the economy, financing in their businesses, labor, digitization, and more.

Learn More


Andrew Galardi is a Vice President and Senior Relationship Manager for the West Michigan market in Commercial Banking at Bank of America Merrill Lynch. In this capacity, his responsibilities include leading a team of specialists focused on understanding each client’s unique needs to deliver strategic financial guidance and solutions.  Andy’s mission is to help local companies thrive by achieving their business goals, no matter how simple or how complex.

Bringing over 16 years of experience, Andy joined Bank of America Merrill Lynch in 2016.  He started his banking career in Grand Rapids, Michigan with prior roles consisting of Commercial Credit Analyst, Small Business Banker, Commercial & Corporate Relationship Manager, and most recently before joining Bank of America Merrill Lynch Andy served as a Business Banking Regional Manager for Western & Northern Michigan. Throughout his banking career, Andy has served mid-sized companies throughout the Michigan area to support their commercial banking needs.

To help create a more sustainable future for the companies and communities he serves, Andy volunteers with several not-for-profit organizations focused on youth development, healthy living and social responsibly, most recently through the YMCA of Greater Grand Rapids, Upward Youth Sports, National Flag Football and Caledonia Youth Sports.  He also serves as a mentor for teammates across Bank of America Merrill Lynch as a member and leader in the Employee Satisfaction Council.  In addition, he also participates with the North American Die Casters Association and Precision Metalforming Association West Michigan District.

Originally from Jackson, Michigan, Andy graduated with a Bachelor in Science Degree in Finance & Mathematics from Central Michigan University, and later received his Master’s in Business Administration (MBA) from Grand Valley State University.


    • Wholesale Trade
    • Manufacturing
    • Emerging Growth Companies
    • General industries
    • Technology Services
    • Accounting and Law Firms
    • Transportation
    • Restaurant/Food Industry

Meet the Team

With access to the global resources of Bank of America, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Pam Hume

Assistant Vice President

Sales Support Associate

Ryan Mulder

Senior Vice President

Lending Officer

Veonca Loft

Vice President

Treasury Sales Officer

Jailyn Felder


Commercial Credit Specialist

Jeremy Jones


Treasury Sales Analyst

Bank of America Business Banking

As you work to take your business to the next level in an environment where business and technology sophistication are critical to having a competitive edge, you need a local banking partner who has your long-term interests at heart.

Bank of America is that local advocate. We work closely with you to understand your business goals. We then draw on our Bank wide resources, technology and experience to generate ideas and solutions that will propel your business further.

With Bank of America Business Banking by your side, you can be assured your business has the power to grow and thrive.

You can benefit from:

Local Relationship Managers who are your advocates and bring the Bank’s resources to you as a seamlessly integrated, dedicated team

Comprehensive commercial banking platform with full range of products and technology, backed by Bank of America’s strength and stability

Access to bank-wide services beyond business banking, to manage both your business and personal wealth

Let's have a conversation.

There is no substitute for a one-on-one relationship with a Bank of America relationship manager who is committed to your needs. Request an appointment today.