Margaret Lowinger

VP, Business Banker

Office Information

Office Phone

Areas Served

Metro Jacksonville

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 Bachelors degree from Ohio University and my Masters in Business Administration from John Carroll University. My career includes over 25 years in banking with the majority of that time spent in the Business Banking space. My specific focus has been working with clients in the Healthcare and Commercial and Industrial sectors that are in the growth phase of the business cycle.

My spouse, Alberto and I have been married for 8 years. We are the grateful parents of a daughter and son who are the loves of our lives. We enjoy spending time with them and watching them grow.

I am passionate about spending my spare time with my family and being involved in Lifeworks Leadership. Lifeworks Leadership is a faith-based leadership development program for professionals in the First Coast. I enjoy traveling and meeting new people. Some of my favorite memories are of when I worked in London, England for a year after college and traveled Eastern Europe while taking an MBA course. I learned early in my career to "Think of Myself as the Customer" and this has been the foundation of how I treat the business' that I serve.

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


Ohio University, B.A. and John Carroll University MBA

Community Involvement

Lifeworks Leadership of Jacksonville, Church of Eleven 22

Personal Interests

Boating, reading, exercising (biking, walking and fitness classes), painting


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