Philip Bravo - Senior Commercial Relationship Manager | Cogent Bank

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Cogent Difference      Cogent Associates      Jacksonville      Associate Bios

Jacksonville Banking Center

Philip Bravo

Philip Bravo

SVP, Commercial Relationship Manager

With 22 years of lending experience—the last five with Cogent at our Jacksonville Banking Center—Phil is well-prepared to meet your commercial lending needs. Phil does it all—he can work with your business for commercial & industrial lines of credit, term loans, vehicle and fleet financing, commercial real estate lending for owner-occupied and investment properties, leverage and partner buyouts, and buy-ins, and asset-based lending. Not limited to for-profit businnesses, he also can help you secure specialized lending for your non-profits or faith-based organization, in addition to special-use real estate.  

Beyond his experience as a lender, Phil is highly knowledgeable in business, economics, and real estate. Phil holds a Master’s in Business Administration from Jacksonville University and a Bachelor’s in Economics from Florida State University. He’s been a member of Northeast Florida Builders Association (NEFBA) since 2018. 

Phil loves that his work grants him the ability to help a business be more efficient with their banking, save and invest their money more effectively, and provide the capital they need to grow. If you’re looking for a commercial loan, Phil encourages you to “establish a banking relationship first, compile and have your financials updated, and put together a plan for how borrowing money will help your business” to help you increase your chances of approval. 

A resident of Jacksonville for 22 years, Phil lives with his wife (Lucy, 19 years married) and four children (Elizabeth, Marlyn, Abigail, and Voss). His daughters are accomplished dancers, having performed in the Community Nutcracker of Jacksonville for the last two years. His son, Voss, is active in Little League Baseball. Outside of work, Phil serves as a member of the Parish Leadership Council and Strategic Planning Committee for St. Matthew’s Catholic Church. He’s also an avid tennis player—for over 35 years! 

Talk to Phil about your Commercial and Nonprofit Lending Needs 

As an experienced lender, Phil is happy to discuss your organization’s financing needs.  

Phone: O: 904.328.1493 M:
NMLS#: 1822603

Contact Information for Banking Center

Phone Number 904.274.8880
Lobby Hours

Monday – Friday: 9:00 AM to 4:00 PM