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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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Michael Nowicki is a Senior Vice President and Market Executive for the Upstate New York and Western Pennsylvania market in Commercial Banking at Bank of America. In this capacity, his responsibilities include leading a team of specialists focused on understanding each client’s unique needs to deliver strategic financial guidance and solutions. Mike’s mission is to help local companies thrive by achieving their business goals, no matter how simple or complex.

Bringing more than 30 years of experience, Mike joined Bank of America in 2006. He began his banking career at M&T Bank in Buffalo NY where he held numerous roles in commercial banking. Throughout his career, Mike has served large to mid-sized companies across the Upstate New York and Western Pennsylvania area to support their commercial banking needs.

To help create a more sustainable future for the companies and communities he serves, Mike has volunteered and held board positions with various not-for-profit organizations. He also serves as a mentor for teammates across Bank of America Merrill Lynch as a member and leader in the Military Support & Assistance Group and LEAD for Women. In addition, he also serves on the Bank of America Charitable Foundation Committee.

Mike graduated magna cum laude from Canisius College with a Bachelor of Science degree in Finance and earned his M.B.A. from the State University of New York at Buffalo.  He resides in Hamburg, New York with his wife Susan and their two daughters.


    • General industries
    • Accounting and Law Firms
    • Healthcare & Physician Practices
    • Transportation
    • Manufacturing
    • Not-for-profit
    • Professional Services
    • Wholesale Trade

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.