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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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Karen has been a commercial banker for over 30 years directly in Pinellas County, earning a reputation as a banker who is experienced, knowledgeable and a dedicated advocate.  She has a solid, real-world understanding of the market and the unique challenges and based on her experiences.

Karen is a Senior Relationship Manager serving midsized companies. She collaborates not just with the client but with the team within Bank of America to deliver a customized solution based on the industry and the specific business to bring innovation and drive growth and efficiency, maximizing all that Bank of America has to offer. Once a client is onboarded with Bank of America, she will remain engaged and proactive with her clients, serving as their point person and advocate.

During her 30+ years as a commercial banker in Pinellas County, she has worked with every major industry, from manufacturing and wholesale and distribution to medical to professional, and even not-for-profit organizations, just to highlight some. Over the course of her career, she has worked at different sized banks and even a credit union. She brings a unique level of experience to her clients.

She currently serves on The Salvation Army of St Petersburg Advisory Board and the School Board of Northside Christian School.


    • General industries
    • Healthcare & Physician Practices
    • Manufacturing
    • Not-for-profit
    • Professional Services
    • Government Contractors

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.

Tammy Patel

Vice President

Sales Support Associate

Susan Lacey


Treasury Sales Officer

Chuck Watford

Senior Vice President

Lending 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.