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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.

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Joining the Vermont team at Bank of America as the Senior Vice President and Senior Relationship Manager within its Business Banking Division, marks a thrilling chapter in my career. Drawing on my extensive banking experience of over two decades, I am eager to continue fostering and developing partnerships with mid-sized businesses and community leaders across Vermont. My commitment to the Vermont banking community has always been to cultivate meaningful relationships by providing exceptional service, knowledge, and unparalleled capabilities.

Before my tenure at Bank of America, I dedicated nearly 13-years to KeyBank in Vermont, culminating in my role as Vermont Market President and Business Banking SVP. There, I honed my skills as a relationship manager within the Middle Market and Business Banking sectors.  I previously led KeyBank’s branch retail network across the state as the local leader and director.

In my new capacity at Bank of America, my aim is to offer a comprehensive global banking framework to my clients, where I will be the foremost contact, offering local insights and facilitating access to cutting-edge solutions designed to meet the evolving needs of businesses. My collaboration with a core team of specialists is focused on delivering strategic insights and financial resources to both private and public companies with annual revenues between $5 Million and $100 Million.

Supported by one of the country’s leading banks, my role allows me to connect clients with top-tier wealth management partners for premier advisory services, comprehensive succession planning resources, and global network and industry expertise.

A Vermont native, I earned my Bachelor of Science and MBA from Champlain College, along with a graduate certificate in Advanced Management and undergraduate certificates in Business Management and Human Resource Management. I actively participate in the Vermont Bankers Association's Commercial Lending Committee and have served on the board of the Burlington Rotary Club. My family and I call Colchester, VT, our home.

Are you on The Path to Intelligent Growth?


    • General industries
    • Accounting and Law Firms
    • Engineering Firms
    • Government Contractors
    • Manufacturing
    • Professional Services
    • Technology Services
    • Wholesale Trade

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.

Joanne Papa


Treasury Sales Officer

Shannon Tundel

Assistant Vice President

Sales Support Associate

William Schofield

Senior Vice President

Lending Officer

Fotios Zotos: Sr. Merchant Specialist

Senior Vice President

Treasury Sales Officer

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.