Chris O'Day

Chris O'Day serves as the Assistant Vice President and Commercial Underwriter for SmartBank's Small Business Underwriting team since November 2020. With a comprehensive background in financial analysis, Chris spreads personal and business financials to assess loan coverage, global cash flow, liquidity ratios, and other critical financial metrics. Previous experience includes roles as a Tax Preparer at Jerry L Tipton CPA, Junior Credit Manager in the Specialty Lending Group, and Credit Assistant at FirstBank, alongside positions as a Financial Consultant and School Branch Coordinator at UT Federal Credit Union. Chris O'Day holds a Master's degree in Business Administration from Tusculum University and a Bachelor of Science in Accounting and Finance from Southern New Hampshire University.