Jeff Howard is a native of Spartanburg County. Jeff is a graduate of James F. Byrnes high school and received his BS degree in Marketing from UNC Wilmington. He also played 4 years of college baseball. Upon graduation, he pursued a career in the financial industry. After spending several years in the personal finance and mortgage industry, he joined First Citizens Bank in Spartanburg in 2001. Jeff spent over 15 years with First Citizens Bank and has over 13 years of commercial lending experience combined at three separate banks. Jeff is married to his wife Marie of 12 years and has two children. When he is not working, he enjoys hunting, fishing and spending time outdoors with family and friends.