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Lower Middle Class Jobs (NOW HIRING)

The Principia

Middle School Math Teacher

Saint Louis, MO · On-site

$44K - $57K/yr

Differentiates for multiple levels within each class * Communicates with the Learning Engagement ... Serves as a resource for Lower School teachers in their curriculum design and instruction * Helps ...

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Lower Middle Class information

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$19.5K

$84.5K

$311K

How much do lower middle class jobs pay per year?

As of Jul 22, 2026, the average yearly pay for lower middle class in the United States is $84,463.00, according to ZipRecruiter salary data. Most workers in this role earn between $38,000.00 and $88,000.00 per year, depending on experience, location, and employer.

What is the difference between Lower Middle Class vs Retail Sales Associate?

AspectLower Middle ClassRetail Sales Associate
Typical CredentialsHigh school diploma or equivalentHigh school diploma often preferred
Work EnvironmentOffice settings, administrative rolesRetail stores, customer service
Industry UsageVarious sectors including finance, educationRetail industry primarily

The Lower Middle Class generally includes individuals with office-based jobs requiring basic education, while Retail Sales Associates work in retail environments focusing on customer service. The main difference lies in the work setting and industry focus, with the Lower Middle Class having broader employment options beyond retail.

What are some common challenges faced by Customer Service Representatives when handling high call volumes, and how can they effectively manage stress in this environment?

Customer Service Representatives often encounter high call volumes, especially during peak business hours or promotional periods. This can lead to increased pressure to resolve issues quickly while maintaining professionalism and empathy. To manage stress, it is helpful to prioritize calls based on urgency, use call-handling scripts for efficiency, and take scheduled breaks to recharge. Supportive team environments and regular training also play a crucial role in helping representatives stay resilient and maintain high-quality service.

What does 'lower middle class' mean?

The term 'lower middle class' typically refers to a socioeconomic group that falls between the working class and the middle class. People in this group often have moderate incomes, may hold clerical, administrative, or low-level supervisory jobs, and may have some post-secondary education or vocational training. They generally have enough income to cover basic needs and some discretionary spending, but may face financial challenges with unexpected expenses. The exact definition can vary depending on country and economic context.

What professions make 200,000 a year without a degree?

Some high-paying professions that can reach $200,000 annually without a college degree include commercial pilots, real estate brokers, sales managers, and certain skilled trades like elevator installers and power plant operators. Success in these roles often depends on experience, certifications, or licensing rather than formal education.

What salary is considered lower-middle class?

For lower middle class jobs, such as entry-level or semi-skilled positions, the salary typically ranges from about 50% to 80% of the median household income in a region. In the United States, this often translates to annual earnings between approximately $30,000 and $60,000, depending on location and cost of living. These roles may require basic skills, certifications, or on-the-job training.

What are the key skills and qualifications needed to thrive as a Lower Middle Class worker, and why are they important?

To thrive in a lower middle class occupation, you typically need a solid work ethic, basic educational credentials such as a high school diploma or vocational training, and job-specific competencies. Familiarity with workplace technologies like point-of-sale systems, inventory software, or trade-specific tools is often required. Reliability, adaptability, and strong interpersonal skills help individuals excel in customer service and team-oriented environments. These skills and qualities are crucial for maintaining steady employment, advancing in one's career, and ensuring job stability in competitive sectors.

What jobs are common in the lower-middle class?

Common jobs in the lower-middle class include roles such as retail sales associates, administrative assistants, customer service representatives, and skilled trades like electricians or plumbers. These positions often require a high school diploma or vocational training and typically offer hourly wages suitable for middle-income households.

Is $70,000 a year considered middle class?

For a lower middle class job, earning $70,000 annually generally places an individual above the lower middle class threshold in many regions, but whether it is considered middle class depends on the cost of living and regional income standards. In high-cost areas, this income may be closer to middle class, while in lower-cost regions, it may be comfortably middle class or higher.

What is a Lower Middle Class job?

A lower middle-class job typically refers to occupations that provide modest financial stability but do not offer significant wealth or economic security. These jobs often require some level of education or skill but may not offer high salaries, benefits, or long-term financial growth. Examples include administrative assistants, retail managers, basic technical positions, and skilled trades. Workers in these roles often earn slightly above minimum wage but may still struggle with savings and unexpected expenses.

More about Lower Middle Class jobs
What cities are hiring for Lower Middle Class jobs? Cities with the most Lower Middle Class job openings:
What states have the most Lower Middle Class jobs? States with the most job openings for Lower Middle Class jobs include:
What job categories do people searching Lower Middle Class jobs look for? The top searched job categories for Lower Middle Class jobs are:
Lower Middle Class jobs near you
Infographic showing various Lower Middle Class job openings in the United States as of July 2026, with employment types broken down into 79% Full Time, and 21% Part Time. Highlights an 95% In-person, and 5% Remote job distribution, with an average salary of $84,463 per year, or $40.6 per hour.
Underwriter Portfolio Manager IV-Sponsor

Underwriter Portfolio Manager IV-Sponsor

First Citizens Bank

Manhattan, NY • On-site

$130K - $140K/yr

Full-time

Posted 23 days ago

Job description

Overview
This is a hybrid role with the expectation that time working will regularly take place inside and outside of the company office.
First Citizens offers you the strength and stability of a diversified financial institution with a 125-year tradition of service and the personalized approach of a nimble financial partner.
First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $230 billion in assets.
First Citizens Sponsor Finance provides cash flow senior debt for private equity-backed transactions in the middle market and lower middle market throughout the United States.
As an Underwriter Portfolio Manager IV, this is an opportunity to work within a small and growing group for a top 20 Bank, with significant advancement opportunities both in the department and other functional areas of First Citizen's Commercial Bank. Work within a team construct to perform credit underwriting and portfolio management across diverse debt solutions for private equity backed middle-market transactions including (i) LBO Financing, (ii) Acquisition Financing, (iii) Debt Refinancing, and (iv) Recapitalizations. The role encompasses working with external stakeholders including potential borrowers, private equity teams, and other Lenders.
Responsibilities
  • Prepare cash flow models, conduct independent industry research, assist in the underwriting of credits, and manage accounts post close.
  • Underwriting: Specific responsibilities include i) financial modeling; ii) preparation of credit approval memorandums, iii) independent industry research; iv) review and synthesis of transaction materials including CIMs, financial statements, Quality of Earnings reports, and third-party reports, v) compiling and presenting approval requests; vi) preparing and negotiating legal documents; and vi) funding and closing transactions.
  • Portfolio Management: Specific responsibilities include: i) preparing waiver and amendment requests or underwriting add-on opportunities; ii) monitoring individual accounts for performance trends to ensure accurate and timely risk ratings; and iii) maintaining credit files in preparation for internal or external audits.
  • Risk Management - Identifies risks through periodic reviews, analysis, and research of new and existing loans. Communicates identified risks, financial performance and credit agreement compliance, and potential changes in the portfolio. Identifies emerging credit problems and industry trends. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the portfolio.

Qualifications
Bachelor's Degree and 4 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. OR High School Diploma or GED and 8 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.
Preferred Skills:
  • Bachelor's degree in business, Economics, Finance
  • At least 4 years' underwriting experience in Commercial/Leveraged lending within financial institutions
  • Completion of a formal credit training program. Ability to function both independently and as part of a deal team
  • Strong writing, communication and presentation skills
  • Time management skills to efficiently handle multiple tasks with changing priorities. Demonstrated ability to anticipate and solve problems, then take initiative to drive processes forward and make recommendations
  • Strong working knowledge of Microsoft Excel and how to build/analyze complex financial models with assumption drivers appropriate for a particular business model and industry
  • Thorough understanding of credit, structuring, legal and collateral requirements
  • Strong analytical, quantitative, credit and problem-solving skills.

If hired in New York, the base pay for this position is generally between $130,000 and $140,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment
Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

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