Mike Spencer

Managing Director, Middle Market Banking

Office Information

Office Phone
phone

Areas Served

South Central

Get to know me

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 Buyouts, 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.

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

Middle Market Banking

Education

University of Houston

Personal Interests

Golfing, Sporting Clays and youth Baseball/Softball

Community Involvement

Advisory Board(s); Children's Healthcare of Atlanta, Georgia Chamber of Commerce and the Association for Corporate Growth (Atlanta)

Resources

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.