Relationship Building with “The Bow Tie Banker,” Michael Miller, Embassy National Bank (North Fulton Business Radio, Episode 857)
Host John Ray interviews Michael Miller, also known as “The Bow Tie Banker,” from Embassy National Bank, in this episode of North Fulton Business Radio. Michael shares his journey into banking, driven by a desire to help underserved communities. He discusses the importance of building relationships with clients, particularly small business owners, before they need critical banking services. Michael emphasizes the value of personal rapport and understanding clients’ needs deeply, which is often challenging for larger banks. The episode also covers practical advice for small business owners on how to establish excellent banking relationships and maintain solid financial health. Michael illustrates his points with success stories and practical examples, showcasing why smaller, community-centric banks can often provide more personalized and effective service.
John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and recorded inside Renasant Bank in Alpharetta.
Michael Miller, “The Bow Tie Banker,” Embassy National Bank
As a Commercial/SBA Loan Officer and Portfolio Manager of Embassy National Bank, Michael is responsible for working with business owners not only on their lending needs but also on their entire banking relationship. Known as “the Bowtie Banker,” Michael prides himself on personal service and responsiveness.
Prior to joining Embassy National Bank, Michael had worked with other financial institutions in the South and Midwest. His background has included commercial lending, special assets, risk management, loan documentation, fraud detection, & collections. Michael has over 30 years of experience in the banking industry.
Michael is a graduate of Washburn University with a Bachelor of Business Administration degree.
Embassy National Bank
Embassy National Bank, located in Lawrenceville, GA, is a community-focused financial institution providing expert business and personal banking services to the local area. With a strong emphasis on small business lending, commercial lending, residential construction lending, and 1-4 family investment lending, the bank is dedicated to helping growing businesses find the capital they need to expand and thrive.
The bank is committed to providing the best customer service and products tailored to meet customer needs. As a business-friendly bank, Embassy National Bank’s leaders reside within the communities they aim to grow, ensuring a deep understanding of local financial needs. The institution focuses on positioning businesses for success through comprehensive cash management solutions and various lending options, including SBA loans.
With decades of combined experience, the team at Embassy National Bank offers expert financial backing and advice to both individuals and organizations. They work diligently to help customers reach their business and personal financial goals, leveraging their extensive knowledge and personalized approach.
Topics Discussed in this Episode
00:00 Introduction and Welcome
00:27 Meet Michael Miller: The Bow Tie Banker
01:41 Michael’s Journey into Banking
05:43 Building Strong Banking Relationships
09:06 The Importance of Local Banks
10:39 The Bow Tie Banker Brand
12:07 Community Banking vs. Mega Banks
15:38 Advice for Small Business Owners
23:52 Success Stories and Client Relationships
25:00 Conclusion and Contact Information
About North Fulton Business Radio and host John Ray
With over 850 shows and having featured over 1,300 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!
The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their market, community, and profession. There’s no discrimination based on company size, and there’s never any “pay to play.” North Fulton Business Radio supports and celebrates business by sharing positive business stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.
John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and recorded inside Renasant Bank in Alpharetta.
The studio address is 275 South Main Street, Alpharetta, GA 30009.
You can find the full archive of shows by following this link. The show is available on all the major podcast apps, including Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.
John Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.
John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.
