Harold Ray

Director of Industrial Finance
First Citizens Equipment Finance

Harold Ray leads financing in the Industrial equipment market sector for First Citizens Bank’s Equipment Finance group. His responsibilities include overseeing a nationwide team of Industrial lending and leasing specialists.

Ray has more than 30 years of experience in equipment finance, having joined the Equipment Finance division at the former CIT Group Inc. back in 1992. Over the course of three decades, he has risen through the ranks to lead one of the largest and fastest-growing segments of First Citizens Bank Equipment Finance. His Industrial group maintains a special focus on the financing of construction and industrial equipment.

CIT merged in January 2022 with First Citizens Bank, which is headquartered in Raleigh, North Carolina. First Citizens Equipment Finance business works with manufacturers, distributors, resellers, dealers and systems integrators to finance their equipment, software and services to commercial customers.