Small Business Credit Underwriter

At SmartBank, our benefits package is designed to enhance your life. You'll enjoy medical, dental, vision, life, and disability insurance, as well as a 401(k) plan with a 4% employer match. Our generous paid time off (PTO), SmartFlex Days, and 11 Paid Company Holidays promote work-life balance. Engage in paid community involvement, enjoy company apparel, and access tuition reimbursement for your growth.

About Us

SmartBank is rooted in our core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose: creating "WOW" experiences for our clients. For over 19 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements - that's the SmartBank way.

Major Duties and Responsibilities:

• Uphold SmartBank Core Values & Core Purpose
• Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.
• Compile reports regarding finance and credit data.
• Analyze the financial records like earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans.
• Generate financial spreads and ratios, using computer programs, to evaluate customers' financial status.
• Assist in the underwriting, structuring, and monitoring of a variety of loans within their assigned portfolio.
• Complete loan applications, including credit analyses and summaries of loan requests, and submits loan for approval to various individuals and committees.
• Performs other duties as assigned.

Position Requirements and Qualifications:

Education and Experience:

• Bachelor's degree in business or finance preferred
• Three to five years of financial analysis/ underwriting experience required

Training Requirements (licenses, programs, or certificates):

• None

Knowledge, Skills, and Abilities:

• Must be capable of handling confidential information in a trustworthy manner.
• Excellent customer service skills.
• Detail oriented and ability to function in a team environment
• Must be able to prioritize and organize daily workflow.
• Ability to apply knowledge and sound judgment in decision-making using established guidelines.
• Strong written and oral communication skills.
• Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), and typing.
• Experience with nCino platform preferred.

Work Conditions:

• May be required to travel to training sessions or meetings.
• Extended hours will be required as needed.