Joanna Warrick

SBA Lender, VP

Office Information

Office Phone

Areas Served

North Carolina

Get to know me

At First Citizens, our SBA Business Development Officers partner with you to deliver tailored financing solutions for your growing business’s short- and long-term needs. With decades of experience working with multiple markets and industries, we’re dedicated to navigating you through every touchpoint of the SBA’s 7a and 504 loan options. Our approach simplifies the SBA loan process for our borrowers, whether you're starting a business, acquiring one or expanding your existing operations. We pride ourselves on working with you to deliver the capital needed to bring your business positive results.

With nearly 20 years of total banking experience, including 15 years at First Citizens, I bring a wealth of banking knowledge to my customers. My diverse background in commercial banking, business banking, credit analysis, retail banking and SBA lending has provided me with a well-rounded understanding of business customer goals and challenges. As a result, I’m passionate about supporting small businesses and helping them achieve their financial dreams. In my free time, I enjoy spending time with my husband and two kids, and attending college sporting events in the Raleigh, NC area.

Industry Expertise

Distributors / Wholesalers
Educational Services


North Carolina State University – BS in Business Management

Personal Interests

Traveling and Attending Sporting Events


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.
1) Approved to offer SBA loan products under the SBA Preferred Lenders program

2) First Citizens Bank offers SBA 7(a) loans in select areas within Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, Texas, South Carolina, Virginia, Washington and West Virginia.