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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

Learn more about our treasury solutions:

Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology.

Learn more about our credit and financing solutions:

Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

Learn more about our commercial real estate solutions:

International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

Learn more about our international banking solutions:

Asset Based Lending

Enhance your liquidity and gain the flexibility to capitalize on growth opportunities with balance sheet-based solutions.

Joseph J. Virzi

Joseph J. Virzi

Managing Director

Joe Virzi is Managing Director and the Midwest Region Manager for the Asset Based Lending (ABL) group. He is located in Cleveland and is responsible for 12 individuals in Originations and Administration, which covers a 16 state geographic territory and all of Canada, as well as a team of professionals divided between offices in Chicago and Cleveland.

Joe has 36 years of corporate lending experience and has been in a management position since 1994. Prior to joining J.P. Morgan, he was Senior Vice President, Midwest Region Manager at Bank of America (NationsBank) for 12 years, where he was responsible for driving the marketing process, structuring transactions and guiding a team of 14 originators and nine underwriters, covering 24 states and all of Canada. He was also responsible for managing a $300 million equity investment portfolio that represented 16 equity funds. Joe held various marketing and portfolio positions in Cleveland, Ohio, from 1983 through 1994 with Westinghouse Credit Corporation and Security Pacific Business Credit. 

Joe holds a Bachelor of Science in Business Administration from Bowling Green State University, as well as Series 7 and 63 securities licenses. He is a member of the Turnaround Management Association, the Association for Corporate Growth and the Commercial Finance Association.

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