<p>SmartBank Associates enjoy an AMAZING benefits package:</p> <ul> <li>Comprehensive benefits- medical, dental, vision, life, and disability insurance </li><li>Matching 401(k) </li><li>Generous paid time off (PTO) </li><li>SmartFlex Days </li><li>Up to 11 Paid Company Holidays </li><li>Incentive Program </li><li>Mental Health Benefits Including 8 free sessions with a coach or certified professional </li><li>Tuition Reimbursement </li><li>Community Involvement Opportunities </li><li>Company apparel provided at no cost </li></ul> <p>Major Duties and Responsibilities:</p> <ul> <li>Uphold SmartBank Core Values & Core Purpose </li><li>Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart. </li><li>Review, analyze, and interpret personal tax returns, W-2s, paystubs, bank statements, account statements and other financial documents to determine accurate qualifying income. </li><li>Assess overall creditworthiness by calculating debt-to-income ratios, evaluating repayment ability, and identifying any risk factors. </li><li>Underwrite consumer loan requests in accordance with internal product guidelines and loan policy. </li><li>Comply with all applicable federal, state, and local banking and industry related laws and regulations including the Bank Secrecy Act, Regulation B, FCRA, ECOA, HMDA and other relevant guidance. </li><li>Document underwriting decisions clearly and thoroughly while maintaining a high level of accuracy and consistency. </li><li>Work jointly with loan officers and all other bank staff across the geographic footprint to gather needed documentation and provide timely credit decisions. </li><li>Contribute to continual process improvement by identifying opportunities for efficiency, quality, and risk mitigation. </li><li>Works with SmartBank's compliance personnel to ensure proper documentation of consumer loan decisions. </li><li>Compile reports regarding finance and credit data. </li><li>Performs other duties as assigned. </li></ul> <p>Position Requirements and Qualifications:</p> <p>Education and Experience:</p> <ul> <li>Bachelor's Degree in related field such as business or finance </li><li>Two or more years of consumer loan underwriting experience preferred </li></ul> <p>Training Requirements (licenses, programs, or certificates):</p> <ul> <li>None </li></ul> <p>Knowledge, Skills, and Abilities:</p> <ul> <li>Must be capable of handling confidential information in a trustworthy manner. </li><li>Excellent customer service skills. </li><li>Detail oriented and ability to function in a team environment </li><li>Must be able to prioritize and organize daily workflow. </li><li>Ability to apply knowledge and sound judgment in decision-making using established guidelines. </li><li>Strong written and oral communication skills. </li><li>Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), and typing. </li><li>Experience with nCino platform preferred. </li><li>Demonstrates ability to maintain a positive attitude. </li><li>High level of integrity. </li><li>Able to maintain regular and predictable attendance. </li><li>Willing to accept new ideas and methods and be agreeable to change </li></ul> <p>Work Conditions:</p> <ul> <li>May be required to travel to training sessions or meetings. </li><li>Extended hours will be required as needed. </li></ul>