Phil Hains is the Business Underwriting Manager at First Citizens Bank in Raleigh, North Carolina.� He has been with First Citizens Bank for 24 years in a variety of credit, policy and line leadership roles.� He has been the leader of the Banks Business Central Underwriting group since January of this year.� First Citizens has 36 small business and business underwriters decisioning loans with exposures of up to $ 2 million.� Phil is Credit Risk Certified through RMA.� In his spare time he enjoys running, golfing, yard work and taking walks with his wife Liz.� They have two grown children. �
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