Patrick Dowling

Business Banker, VP

Office Information

Office Phone

Areas Served

Jackson and Macon Counties, NC

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 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 from Elon University with a concentration in Accounting and later pursued an MBA at Western Carolina University. My career in banking includes in time spent in the Commercial Credit, Mortgage, and Business Banking spaces. My specific focus has been working with clients in the business banking space that are in the growth phase of the business cycle.

My spouse, Paige, and I have been married for seven years. In July 2020 we welcomed our first child, a son named Jack. We are both Jackson County natives and members of Sylva First United Methodist Church.

I am passionate about spending my spare time in the outdoors and volunteering in our local communities. I am a founding member of the Sylva Satellite Rotary Club, on the board of the Jackson County Community Foundation, and a member of the Tuckaseigee Chapter of Trout Unlimited. Whenever possible I am fly fishing somewhere in the Great Smoky Mountains National Park.

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


BS Accounting, Elon University; MBA, Western Carolina University; NC School of Banking

Community Involvement

Sylva FUMC - Member; Rotary International - Treasurer; Trout Unlimited - Member; Jackson County Community Foundation - Board Member


Fly fishing, outdoors, running, sports, cooking and camping


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.