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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.

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Michael began his career in banking in 1985 upon graduating from Albany State University with a B.S. in Economics.  After completing his masters degree at Fordham University, he joined Bank of America and completed the Bank's formal credit training program.  Prior to becoming a Sr. Client Manager, Michael held positions as a Financial Accounting Manager, Branch Manager, Credit Analyst and Portfolio Manager.  His experience ranges from small publically held middle market clients, to entrepreneurial small businesses.

Michael lives at home with his wife Josephina.  Pastimes include teaching as an adjunct instructor in Economics and Finance, gardening, and watching the New York Football Giants.

Michael's focus is to be his clients' trusted advisor and a thoughtful provider of world class financial services.  As Michael's client, you can be assured that your best interests, not quarterly sales quotas, are the focus of his efforts.



    • Transportation
    • General industries
    • Manufacturing
    • 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.

Elyse Budnick

Assistant Vice President

Sales Support Associate

Amita Bhatia

Vice President

Treasury Solutions Officer

James McDermott

Vice President

Treasury Sales Officer

Lisa Wyckoff

Assistant Vice President

Treasury Sales Analyst

Robert Small

Assistant 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.