Harold Ray leads financing in the construction equipment market sector for First Citizens Bank’s Equipment Finance group. His responsibilities include overseeing a nationwide team of 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 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 construction group maintains a special focus on the financing of construction and industrial equipment.
In today’s competitive equipment financing landscape, many lenders fall into the trap of competing solely on rates and terms. While competitive pricing remains important, forward-thinking equipment finance companies are discovering that prioritizing client success leads to stronger portfolios, better retention... read more
Feb 2025
In the construction, material handling, transportation and manufacturing industries, there are only a few ways to get heavy equipment: buy it, rent it or lease it. Right now, equipment purchase prices are high. Material shortages, supply chain snafus and inflation... read more
February 2024
Terry Mulreany
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