Job description
Looking to join a Great Place to Work Employer and become a valued member of our growing team? At Smart. Bank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence. At Smart. Bank, we're more than a financial institution—we're a team of passionate professionals committed to helping our clients, communities, and associates thrive.
Recognized as a Great Place to Work® , we believe our success starts with investing in our people and fostering a culture built on trust, integrity, collaboration, and excellence. If you enjoy analyzing complex financial information, making sound credit decisions, and partnering with talented bankers across multiple markets, we invite you to explore our Consumer Credit Underwriter opportunity.
What You'll Do
As a Consumer Credit Underwriter, you'll play a critical role in helping Smart. Bank make responsible lending decisions that support our clients' financial goals while protecting the bank's credit quality. You'll evaluate consumer and private banking loan requests, analyze financial and credit information, and collaborate closely with Relationship Managers and lending teams throughout Smart.
Bank's geographic footprint. This position reports to the Consumer/Private Banking Credit Officer and requires strong analytical thinking, sound judgment, and a commitment to delivering exceptional internal and external service.
Key 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 Smart. Bank lending policies and product guidelines. Serve as a trusted resource to Relationship Managers and lending teams regarding Smart.
Bank 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.
What We're Looking For
Education
Bachelor's Degree in a related field preferred. Experience Two or more years of consumer loan underwriting experience preferred. Experience underwriting consumer and private banking loans is strongly valued. Experience with the n. Cino platform is a plus. Skills & Competencies Successful candidates will demonstrate: 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. Why Smart. Bank? At Smart. Bank, we believe in taking care of our associates so they can bring their best selves to work every day.
We offer a comprehensive benefits package designed to support your health, financial well-being, professional growth, and work-life balance. Eligible associates may enjoy: Competitive salary and incentive opportunities Medical, dental, and vision insurance Health Savings Account (HSA) and Flexible Spending Account (FSA) options Company-paid life insurance and disability coverage 401(k) retirement plan with company match Paid time off 11 bank holidays Professional development and continuing education opportunities Associate wellness initiatives and engagement programs Community involvement and volunteer opportunities At Smart.
Bank, we're committed to fostering a workplace where associates feel supported, appreciated, and empowered to grow both professionally and personally. We believe banking is about relationships, and those relationships begin with our associates. We strive to create an environment where team members feel valued, empowered, and supported in both their professional and personal growth.
Work Environment This position primarily operates in an office environment and may require: Extended periods of sitting and computer use. Frequent use of hands, wrists, and fingers for typing and data entry. Participation in training sessions, meetings, and occasional travel. Additional hours as business needs require.
Ready to Make an Impact? If you're a detail-oriented credit professional who enjoys balancing analytical rigor with relationship-focused service, we'd love to hear from you. Apply today and discover what makes Smart. Bank a Great Place to Work® while helping us deliver exceptional banking experiences to the clients and communities we serve.