Joe Grabowski is a highly accomplished and results-driven financial services executive with a track record of driving bottom-line growth, optimizing risk management frameworks, and enhancing organizational performance. With over two decades of experience in corporate finance, commercial real estate, asset management, and portfolio management, he has consistently demonstrated his ability to deliver financial success while maintaining the highest standards of integrity and service. His expertise spans financial modeling, strategic planning, and team leadership, making him a valuable asset to any organization.
Currently, Joe serves as the fractional chief financial officer for Blue Jay Investments LP, a real estate development firm with a diverse portfolio of real estate holdings and operating companies in Charlotte, North Carolina. In this role, he provides high-level financial consulting, forecasting, and cost analysis services, ensuring sound financial decision-making and strategic growth. As the managing member of The Afton Group, LLC, he extends his financial expertise to businesses seeking tailored financial solutions and operational improvements.
Before joining Blue Jay Investments LP, Joe held the role of credit products commercial portfolio manager at Regions Bank, where he leveraged his deep knowledge of commercial real estate and asset management to drive portfolio performance and ensure adherence to the highest standards of financial ethics and risk management. His ability to analyze complex financial structures and develop strategic lending solutions made him an invaluable resource in fostering strong client relationships and business growth.
Prior to his tenure at Regions Bank, Joe dedicated over seven years at Wells Fargo, serving in multiple leadership roles. As a lead data management analyst, he played a critical role in credit risk review, project management, and portfolio oversight, leading key reporting initiatives and risk remediation efforts. Before that, as a vice president and principal relationship manager, he managed and expanded commercial real estate portfolios, provided strategic advisory services, and helped clients navigate complex financial landscapes with confidence.
Joe’s career journey also includes leadership positions at Pacific Mercantile Bank, where he was vice president and senior relationship manager, overseeing the development, underwriting, and management of middle-market companies. His expertise in commercial lending and asset management allowed him to structure customized financial solutions that met the unique needs of his clients. Additionally, during his earlier tenure at Wells Fargo as a vice president and senior relationship manager, he managed a $100 million portfolio of depository and lending clients, strengthening client relationships and maximizing financial returns.
His financial acumen was further honed through key underwriting and portfolio management roles at Premier Service Bank, Foothill Independent Bank, and Chino Commercial Bank, where he developed and implemented credit strategies, assessed risk, and enhanced operational efficiencies.
Beyond his professional career, Joe is deeply engaged in philanthropic and community initiatives. His leadership roles have included serving on the board of visitors for the School of Business at Azusa Pacific University, as a board member and controller for the Inland Empire Latino Lawyers Association, and as a board member for the Charlotte Tool Bank, where he played rotating oversight and controllership roles. His dedication to community development and education reflects his commitment to making a lasting impact beyond the financial sector.
Joe holds both a Master of Business Administration and a Bachelor of Arts in Business Administration from Azusa Pacific University, equipping him with a strong academic foundation in business strategy, financial management, and leadership.
With a career spanning two decades of strategic financial leadership, Joe Grabowski continues to be a driving force in the financial services industry. His ability to blend analytical expertise with strategic vision allows him to navigate complex financial environments, optimize performance, and create long-term value for the organizations he serves.
Character: Joe Grabowski is a principled financial leader known for his integrity, commitment to excellence, and dedication to both organizational success and community impact.
Knowledge: With over two decades of experience in corporate finance, commercial real estate, and asset management, he possesses deep expertise in financial modeling, risk management, and strategic growth.
Strategic: As a fractional CFO and former banking executive, he has a proven ability to develop and implement financial strategies that optimize performance, drive profitability, and support long-term business objectives.
Communication: A skilled communicator and relationship builder, he effectively collaborates with stakeholders, presents complex financial insights clearly, and fosters strong partnerships across industries.
