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Gretchen Bottrill serves as the Middle Market Banking Chief Credit Officer at First Citizens Bank, overseeing the national Middle Market banking portfolio since March 2022, after previously holding the title of Middle Market Credit Officer. Prior to First Citizens Bank, Gretchen was a Senior Credit Officer at Regions Securities LLC, managing risk for the Energy & Natural Resources portfolio. Gretchen's extensive background at Bank of America included roles such as Business Support Executive and Credit Risk Executive, contributing to risk management across various banking sectors. Gretchen holds an M.B.A. in Management from Indiana University Bloomington and a Bachelor's Degree in Business Administration from Saint Mary's College.