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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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In his role as a Senior Relationship Manager for Bank of America’s Global Commercial Bank, Jacob empowers mid-sized Bay Area companies through innovative solutions that help them grow and prosper. Tailoring his approach to each client, he collaborates with his team to drive growth and efficiency where it’s needed most. Jacob’s positive energy encourages fresh perspectives with a focus on digital, innovative and creative solutions.

Jacob has over 16 years of banking experience with Bank of America leading and supporting numerous different client segments including consumer, small business, commercial and multinational large corporates. With this unique prospective, Jacob’s mission is to create a more sustainable future for both his clients and the communities they serve. Outside of the office, Jacob volunteers with several non-profits focusing on child education and eliminating hunger in our local communities


    • General industries

    • Volunteer with Junior Achievement Bay Area: Financial Education
    • Volunteer & Supporter of Community Food Banks
    • Wish Grantor with Make a Wish Foundation Greater Bay Area

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.

Kyle Kloninger-Frandy

Sales Support Associate

Therie Ann Bulnes

Vice President

Treasury Sales Officer

Angelica Clark

Treasury Sales Analyst

Martin Jindra

Vice President

Lending Officer

Mark Phillips

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.