Summary
Johnny M is a commercial banking leader with 12 years of experience driving regional growth, portfolio optimization, and disciplined credit execution across the Mid-Atlantic. As SVP and Commercial Market Leader at City First Bank and former market executive roles at Wells Fargo, Capital One, Truist, and Bank of America, he has repeatedly built durable origination engines, delivering double-digit growth while maintaining strong risk outcomes. He combines hands-on relationship origination with strategic balance-sheet and liquidity advisory—experience he distilled while founding flo PARTNERS to advise emerging middle-market companies. Known for resetting markets through execution cadence and decision velocity, he partners closely with Credit, Risk, Treasury, and Operations to realign portfolios and accelerate pipeline conversion. Based in Washington, D.C., he brings a rare mix of front-line dealmaking, P&L stewardship, and a founder’s curiosity informed by graduate study in strategic management at Harvard. An unapologetic believer in "fail fast" learning, he emphasizes iterative improvement and speed in both bank transformation and client advisory.
12 years of coding experience
6 years of employment as a software developer
Master's Degree Strategic Management, Master's Degree Strategic Management at Harvard University