Consumer Credit Underwriter

SmartBank•Sevierville, TN

2d•Onsite

About The Position

At SmartBank, we're looking for a Consumer Credit Underwriter to join our growing team. This role is crucial in making responsible lending decisions that support clients' financial goals while protecting the bank's credit quality. The position involves evaluating consumer and private banking loan requests, analyzing financial and credit information, and collaborating with Relationship Managers and lending teams across SmartBank's geographic footprint. The ideal candidate will possess strong analytical thinking, sound judgment, and a commitment to delivering exceptional internal and external service.

Requirements

Bachelor's Degree in a related field preferred.
Two or more years of consumer loan underwriting experience preferred.
Experience underwriting consumer and private banking loans is strongly valued.
Experience with the nCino platform is a plus.
Strong analytical and critical thinking abilities.
Sound judgment and decision-making skills.
Excellent written and verbal communication skills.
High attention to detail and organizational skills.
Ability to prioritize multiple requests and deadlines effectively.
Strong customer service mindset and collaborative approach.
Ability to maintain the highest level of confidentiality and professionalism.
Proficiency with Microsoft Office applications, including Word, Excel, and Outlook.
Adaptability, positivity, and a willingness to embrace change.
A high level of integrity and personal accountability.

Nice To Haves

Experience with the nCino platform

Responsibilities

Analyze consumer and private banking loan applications, credit reports, and financial information to assess risk and determine creditworthiness.
Underwrite, structure, and monitor a variety of consumer lending requests.
Review loan requests for compliance with SmartBank lending policies and product guidelines.
Serve as a trusted resource to Relationship Managers and lending teams regarding SmartBank products, processes, policies, and culture.
Partner with loan officers to facilitate accurate and timely credit decisions.
Compile, interpret, and communicate financial and credit data to support lending decisions.
Assist in evaluating and recommending consumer lending products, programs, and policies.
Maintain accurate loan documentation and records.
Collaborate with Compliance and Credit Administration teams to ensure proper documentation and regulatory adherence.
Uphold all applicable federal, state, and local regulations, including Bank Secrecy Act requirements.
Support additional departmental initiatives and projects as assigned.