Joe Rico

Sr. Business Banking Relationship Manager

Senior Vice President

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My dedication to helping businesses thrive.

415-257-8149

1000 4th St
San Rafael, 94901

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I’m dedicated to adding value, acting as a sounding board to help companies turn plans into action.

About Me

In Joe's capacity as a Senior Relationship Manager, his responsibilities include leading a team of specialists focused on understanding each client's unique needs to deliver strategic financial guidance and solutions. Joe's mission is to help local companies thrive by achieving their business goals, no matter how simple or how complex. Bringing 20 years of banking experience, Joe has served mid-sized companies throughout the Northern California area to support their commercial banking needs. Joe has a broad spectrum of experience across multiple industries including: Manufacturing, Engineering, Food and Beverage, Legal and Financial Services, Transportation, Biotech, Technology, Consulting and Non-Profit. He is also an experienced business lender and regularly assists clients and brokers with Commercial Real Estate Lending, SBA Lending, Equipment Lending, Business Lines of Credit, Standby Letters of Credit and Refinancing of Existing Business Debt. To help create a more sustainable future for the companies and communities he serves, Joe volunteers with several not-for-profit organizations focused on ending hunger and homelessness. He also serves as a mentor for teammates across Bank of America and Merrill Lynch as a member of the Hispanic/Latino Organization for Leadership and Advancement. Originally from Southern California, Joe now resides in Marin County.

Industry Experience

Accounting and Law Firms
Engineering Firms
General industries
Government Contractors
Healthcare & Physician Practices
Manufacturing
Not-for-profit
Transportation
Wholesale Trade

Community

Marin County, California
San Francisco, California
Sonoma County, California
Petaluma, California
Richmond, California

Business solutions so powerful, you’ll make every move matter

Our financial professionals bring product, capability, and solution level expertise to the relationship proactively connecting you to our full range of solutions and intuitive digital tools, tailoring them to your business needs and priorities.

Optimize Cash Flow through Merchant Services and Working Capital Solutions

Simplify Banking through Deposit accounts and Card solutions

Strengthen Business Operations through Digital Banking, Treasury or Cash Management services

Gain Access to Capital through Credit & Lending

Plan for the Future with Employee benefits

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All programs subject to credit approval and loan amounts are subject to creditworthiness. Bank of America may prohibit use of an account to pay off or pay down another Bank of America account. Other underwriting standards and restrictions may apply. Credit and collateral are subject to approval.

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC, and wholly owned subsidiaries of BofA Corp.

"Bank of America" and "BofA Securities" are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, derivatives, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, BofA Securities, Inc., which is a registered broker-dealer and Member of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. is a registered futures commission merchant with the CFTC and a member of the NFA.

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value