business meeting

2024 Business Owner Report

This year’s survey explores the perspectives, aspirations and outlooks of small and mid-sized business owners across the U.S.

Learn More


Chris has over 30 years of business banking and commercial real estate financing experience. His various professional roles historically include as an independent Commercial Loan Broker; a Business Development Officer with a Certified Development Company providing owner-user commercial real estate financing under the SBA 504 loan program; and nearly four years with Bank of America that included assignments in the Special Assets Group and as an SBA Business Development Officer. He also worked as a Commercial Loan Officer in Business Banking at Wells Fargo Bank; and as a Relationship Manager in Syndicated Finance and the Entertainment Industries Group at Imperial Bank.

His Bachelor of Science degree is in Business Management/Finance from San Diego State University and his Associate of Arts degree was with a concentration in Marketing Management from the College of San Mateo. Born and raised in a suburb of San Francisco (San Bruno), CA, he now resides in the wonderful South Bay Los Angeles community of Redondo Beach. Attending live music shows, biking and hiking, and exploring the culture of greater Los Angeles is how he spends his free time.


    • Manufacturing
    • Wholesale Trade
    • Emerging Growth Companies
    • Accounting and Law Firms
    • Transportation
    • Technology Services
    • Professional Services
    • General industries

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.

Lauren Dixon

Vice President

Treasury Sales Officer

Chris Spata

Assistant Vice President

Sales Support Associate

Michael Niemiec

Senior Vice President

Lending Officer

Andrew Palacio


Treasury Sales Officer

Christina Nunez


Commercial Credit Specialist

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.