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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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Julius Santiago is a Senior Vice President and Senior Relationship Manager for the Inland Empire Market in Commercial Banking at Bank of America.  In this capacity, Julius’ responsibilities include leading a team of specialists focused on understanding each client’s unique needs, in order to deliver strategic financial guidance and solutions. Julius’ mission is to help local companies thrive by achieving their business goals, no matter how simple or how complex.

Bringing over 25 years of experience in commercial banking, Julius joined Bank of America in 2019.

He began his banking career as a teller at Security Pacific Bank while attending college.  Since then, he has served as an asset-based field examiner, internal credit review risk officer, a senior credit underwriter, and subsequently a Senior Relationship Manager covering the Inland Empire and Orange County areas. Prior to re-joining Bank of America Merrill Lynch he was with the Middle Market lending group of JPMorgan Chase.

Throughout his banking career, Julius has served mid-sized companies throughout the Inland Empire and Orange County areas to support their commercial banking needs.  Julius has a broad background in lending and has worked on company acquisitions, negotiated, structured and completed various types of financing transactions, including online retail companies, asset based formula structures, real estate acquisition and construction, SBA, ESOP and senior debt financing.
Julius maintains active involvement in several organizations around the Inland Empire, including Inland Empire Economic Partnership, California Trucking Association, Habitat for Humanity-Riverside, and the Institute of Management Accountants.

Julius holds a Bachelor’s Degree in Finance from California State University in Fullerton.  He is an avid sports enthusiast, loves to travel, and enjoys cars.  Julius and his family reside in Chino Hills.


    • Technology Services
    • General industries
    • Wholesale Trade
    • Agriculture
    • Government Contractors
    • Transportation
    • Manufacturing
    • Not-for-profit
    • 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.

Angelica Alex

Vice President

Treasury Sales Officer

Yvette Quezada

Assistant Vice President

Sales Support Associate

Kristen Jackson

Vice President

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.