Small Business Credit Underwriter

SmartBank•Sevierville, TN

32d

About The Position

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence. 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. With a strong foundation and a growing footprint, SmartBank delivers high‑touch banking solutions to commercial businesses and consumers across the Southeast. Headquartered in Knoxville, Tennessee, SmartBank operates as a subsidiary of SmartFinancial, Inc. (NYSE: SMBK), a financial holding company with assets exceeding $5 billion. At the heart of SmartBank’s success is a commitment to creating ‘WOW’ experiences—for both clients and team members. This people‑first culture has earned national recognition, including placement on FORTUNE’s 2025 Top 100 Best Workplaces list and Great Place To Work® certification, reinforcing SmartBank as an employer of choice in the markets we serve. Drawing on decades of collective banking experience, SmartBank’s leadership has embedded “Smart” business practices throughout the organization, including rigorous credit underwriting, holistic relationship management, and a focus on attracting and retaining top-tier talent. Guided by these principles, SmartBank has grown into a respected, high‑performing financial institution trusted by the communities it serves.

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.

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.