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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 is a Vice President and Senior Relationship Manager for Bank of America, N.A.  In his role, he is responsible for managing and advising on the banking needs of his commercial clients, while delivering proprietary content that will assist clients with making strategic decisions.  Michael has over 25 years of experience in commercial banking and as a CFO of a private sector, for profit company.

Born in New Orleans, LA, Michael moved to Jacksonville, FL in 1998 shortly after his graduation from the University of New Orleans with a B.S. in Finance.   Michael started his career in commercial banking during 1996 when he was selected for an internship with a local bank holding company that selected one intern from the top 1% of finance and accounting students from Tulane University, Loyola University and the University of New Orleans.  Shortly, after graduation, Michael was hired by Bank of America and relocated to Jacksonville, FL.  Over 20 years of his career has been spent with Bank of America in various underwriting roles for credit and treasury risk management for Business Banking and Middle Market businesses.   In the mid-2010s, Michael began to take the lead in structuring, negotiating and signing off on the larger credit relationships for Bank of America’s Business Banking groups in Northern Florida, Southern Georgia, Southern Alabama and Southern Mississippi.  In 2018, Michael took the opportunity to shift roles into Business Development and full Client Management for the Bank with a focus on his home market of Jacksonville, Florida.   Michael now focuses on advising for-profit companies and not-for-profit organizations on all of their domestic and international banking needs.

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, 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 St. Johns County for Scouting and with religious men’s groups, while Jennifer enjoys her career working one-on-one with elementary school aged children in the ESE program for St. Johns County School District.


    • General industries

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.

Kelly Kahler

Assistant Vice President

Treasury Solutions Analyst

Gina Gavio


Treasury Sales Officer

Alecia Gray


Sales Support Associate

Rob Riechmann

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.