SmartFinancial Inc
Sonny Clough is an experienced finance professional with a diverse background in credit analysis and underwriting. Currently serving as a Regional Credit Analyst and Senior Small Business Credit Underwriter at SmartBank since August 2019, Sonny has previously held various roles at CBBC Bank from June 2010 to July 2019, including Portfolio Manager, Construction Loan Manager, and Credit Analyst. Sonny holds a Bachelor's degree in Accounting and Finance from Carson-Newman University, earned between 2008 and 2012.
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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.