Michael Spencer

About Michael Spencer

I build long-term Middle Market Banking relationships with established organizations who…

Experience

1. Managing Director - Georgia Middle Market Banking

   First Citizens Bank

   Sep 2025 — Present · Atlanta, GA, US

   I build long-term Middle Market Banking relationships with established organizations who are looking to scale. I leverage my experience, network and resources to support your growth strategy. First Citizens Bank is the largest family controlled bank in the United States. We have a deep-rooted culture that puts the client first and a platform built to support size and complexity. All of this combines into a partnership that delivers speed to market and the certainty of execution that our clients place tremendous value on. Sector Specialties: Manufacturing, Wholesale, Distribution, Professional Services (Medical, Technology, Staffing, Construction, Engineering, Property Management), Transportation and Logistics.Transaction Specialties: Acquisitions, Partner Buy-Outs, Recapitalization, Growth Term Debt, Working Capital Lines, Equipment and Real Estate Term Debt, Liquidity Management, Domestic and International Letters of Credit, Foreign Exchange and Commodity Hedging.My pledge as your Banker is to be a dedicated valuable resource for your business. I will do this by providing superior service and financial advice that saves time and money for your organization every day.A personal relationship - I am committed to understanding your organization\'s history, current position, and future plans in order to provide intelligent and insightful financial advice for your unique business.Responsive - Earning your business never stops. I am committed to ensuring your needs are met in a timely fashion.Knowledgeable - Because of the extensive background I have working with businesses for 30 years, I provide an experienced best-in-class banking partnership. Accountable - I am empowered to respond to any and all of your banking needs and concerns, and I dedicate myself to solving your problems quickly and thoroughly.

Education

• University of Houston

  Business Management

  1996 — 1997

• Wharton County Junior College

  1996, Business Management

  1994 — 1996

Skills

• Customer Service
• New Business Development
• Marketing
• Financial Analysis
• Team Building
• Banking
• Sales
• Coaching
• Sales Management
• Strategic Planning
• Budget
• Business Development