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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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With over 25 years of experience in commercial banking and as a CFO of a private sector, for profit company, Michael brings a unique and thoughtful perspective to banking.  Listening to clients and asking questions in order to understand their needs, challenges and future plans, is at the forefront of his approach.  He will never ask you to lunch to pitch an unneeded product, but rather to strategize and deliver the tools and banking resources needed to help a business owner accomplish their goals with the backing of what is continuously ranked one of the best banks in North America and the World.  His abilities, knowledge, consistency with one organization and experience as a credit officer will make a large organization feel very small.         


Michael has remained a resident of Northeast Florida since 1998 and now resides in St. Johns County, where he has lived with his wife, Jennifer since 2002.  Michael and Jennifer have two children, Gabriel and Mya.  The family enjoys kayaking, paddle boarding, hiking, whitewater rafting, visits to the beach, visits to the mountains, spending time with family, watching various sports and everything the great community of Northeast Florida has to offer.  Michael has historically been active with various leadership roles within the St. Johns County Community, while Jennifer enjoys her career working one-on-one with elementary school aged children in the ESE program for St. Johns County School District.


    • Wholesale Trade
    • Emerging Growth Companies
    • General industries
    • Engineering Firms
    • Government Contractors
    • Transportation
    • Manufacturing
    • Not-for-profit

    • Board Member, YMCA Nocatee
    • Committee Chair, Scouts BSA Troop 291, Ponte Vedra Beach, FL
    • Past Outdoor and Program Chair, Scouts BSA, St. Johns District (St. Johns County)

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.

Jessica Maynard

Vice President

Treasury Sales Analyst

Elaine Guyot

Vice President

Treasury Sales Officer

Alecia Gray


Sales Support Associate

Rob Riechmann

Senior Vice President

Lending Officer

Antonio Hinton


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.