Denise Cole

SVP, Commercial Banker
(877) 440-0261

Office Information

Office Phone

Areas Served

Charlotte, Huntersville, Cornelius, Davidson, Matthews, Pineville

Get to know me

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

I earned my Bachelor’s degree in Business from UNC Greensboro with a concentration in Marketing. My career includes over 27 years in banking with 20 years of that time spent in the Business and Corporate Banking teams. My specific focus has been working with clients in the Healthcare, Distribution, Dental, Manufacturing segments that are in the growth phase of the business cycle.

My spouse and I have been married for 31 years and have lived in the Charlotte area for over 26 years. We have one son who also lives in the Charlotte area.

I am passionate about spending my spare time with family and friends enjoying food, wine, and travel. I also like to volunteer, donate to local charities in the community and attending church at Lake Forest Church in Huntersville where I have been a Ministry Partner for over 22 years.

I invite you to connect with me on LinkedIn and Facebook

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

Healthcare and Medical
Manufacturing (Plastics, Metal, Rubber, Textiles)


Bachelor of Science in Business from University of North Carolina at Greensboro

Community Involvement

Board Member for the Jennifer Rose Cernuto Family Foundation, Ministry Partner at Lake Forest Church, Community Volunteer for Dream Center, Past President of the Charlotte Chapter of the Risk Management Association (RMA), Past Chairperson for the RMA Women in Finance Group in Charlotte.

Personal Interests

Exercising, walking, reading and spending time with my family and friends.


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.