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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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Thomas Heinze is a Senior Vice President/Relationship Manager for the West Michigan market in Commercial Banking at Bank of America Merrill Lynch. 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. Tom’s mission is to help local companies thrive by achieving their business goals, no matter how simple or how complex.

Bringing 40 years of experience, Tom joined Bank of America Merrill Lynch in 2002. He began his banking career at Farm Credit where he was an Agriculture Consultant/Manager in Michigan. Throughout his banking career, Tom has served mid-sized companies throughout the Michigan area to support their commercial banking needs.


To help create a more sustainable future for the companies and communities he serves, Tom volunteers with several not-for-profit organizations focused on reading with children and working as a watch dog at St. Joseph Elementary School.  In addition, he also serves on the Michigan Agribusiness Association.


Originally from Charlotte, MI, Tom graduated with a Bachelor of Science degree in Agriculture Economics from Michigan State University.  He resides in St Joseph, Michigan.



    • 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.

Cherrymae Grayson

Assistant Vice President

Sales Support Associate

Jordan Kiss

Vice President

Sales Support Associate

Veonca Loft

Vice President

Treasury Sales Officer

Holley Mathews

Vice President

Treasury Sales Officer

Joshua Marcero

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.