SmartFinancial Inc
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.
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SmartFinancial Inc
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SmartFinancial, Inc., formerly Cornerstone Bancshares, Inc., is a bank holding company. The Company operates through its SmartBank subsidiary (The Bank). The principal business of the Bank consists of attracting deposits from the public and investing those funds, together with funds generated from operations and from principal and interest payments on loans. It offers commercial real estate-mortgage, consumer real estate-mortgage, construction and land development, commercial and industrial, and consumer and other loans. The Bank's investment portfolio consists of Federal agency bonds, mortgage-backed securities, and state and municipal securities. The Bank provides a range of deposit services to businesses and individuals, including non-interest bearing checking accounts, interest bearing checking accounts, savings accounts, money market accounts, individual retirement accounts (IRAs) and certificates of deposit (CDs). SmartBank operates in approximately 28 branches.