Small Business Credit Underwriter

SmartBank Careers•Chattanooga, TN

16h

About The Position

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.

Requirements

Bachelor’s degree in business or finance preferred
Three to five years of financial analysis/ underwriting experience required
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.
May be required to travel to training sessions or meetings.
Extended hours will be required as needed.

Nice To Haves

Experience with nCino platform preferred.

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.