Walter Montenegro

VP, Business Banker
(984) 867-4941

Office Information

Office Phone

Areas Served


Get to know me

As a First Citizens Business Banker, it's important to invest in understanding your business, strategies and key objectives. An established process and skilled team of specialist help me tailor solutions to fit you and your organization. Clients appreciate our trusted partnership in planning for long-term success.

I earned my Bachelors degree from the University of Florida with a concentration in Economics, and a Master in Business Administration from Florida International University with a concentration in Finance. My career includes over 21 years in banking with my main focus being in commercial development, portfolio management and offering superior customer service to assist my client's businesses achieve their goals. I am bilingual and I have experience in international business development specifically in Latin America. My specific focus has been working with clients in the Commercial and Industrial and Commercial Real estate investment space.

I am passionate about understanding my client's underlying business needs and strategically offering specialized advise to assist in reaching their goals.

I invite you to connect with me on LinkedIn.

Our approach

At First Citizens, our Bankers view business relationships with you through a long-term lens. This aligns with our brand ethics, business philosophies and statement of purpose for building a long, lasting alliance. We make recommendations and decisions based on what’s best for your business and focus on your growth, expansion and success.

Management at First Citizens is regional, and we guide your accounts in the same manner—with regional support and authority. Our relationship management teams include inside and outside relationship managers, credit professionals and product specialists. Our consulting and business strategy services include industry change optimization, business process management and financial management processes.

We pride ourselves on working together to bring positive results to your business, as we see your vision come to fruition.

Industry Expertise

Architectural Firms
Manufacturing (Plastics, Metal, Rubber, Textiles)
Professional Services Companies (Law Firms, Accountants, Engineers)


BA, MBA, Finance Certificate

Personal Interests

Hobbies include running and biking. Interested in travelling, reading and am a foodie.


Make sense of the markets. We have our fingers on the pulse of economic growth, investor sentiment and valuation trends.
Start, grow and expand. Our industry knowledge helps you build a long-term approach for successful business strategies.
Check out the full range of commercial financing services offered by First Citizens Bank.