Financial Advisor
About the job
- A bachelor's degree in Finance, Business Administration, Financial Management, or a related field is preferred.
- At least three years of experience in financial services, wealth management, banking, sales, or relationship management is required.
- Demonstrated success building client relationships and growing business through consultative sales and referrals is required.
- Candidates must obtain and maintain the Securities Industry Essentials registration, Series 7, Series 66 or equivalent, and a Life, Health, and Variable Annuity License.
- Strong relationship-building and consultative sales skills are required.
- Strong financial analysis and investment knowledge are required.
- Proficiency with Microsoft Office and wealth management technology platforms is required.
- The role requires strong communication and interpersonal abilities, an entrepreneurial mindset, attention to detail, accuracy, and the ability to manage multiple priorities in a fast-paced environment.
- Serve as a trusted financial partner by helping clients define and pursue short- and long-term financial goals.
- Build, deepen, and maintain client relationships through proactive outreach and client service.
- Collaborate with SmartBank associates to identify opportunities for holistic financial planning and wealth-management solutions.
- Assess clients' financial needs, investment objectives, risk tolerance, and life-stage planning goals.
- Provide tailored recommendations across investment, retirement, education, estate, insurance, and wealth-transfer strategies.
- Execute client trades and service requests accurately while adhering to compliance and regulatory requirements.
- Cultivate new relationships through referrals, networking, community involvement, and business-development activities.
- Leverage retail, lending, treasury-management, and commercial-banking relationships to identify comprehensive financial-solution opportunities.
- Grow and manage a book of business while delivering a high-touch client experience.
- Maintain accurate client records and documentation.
- Adhere to Raymond James and SmartBank policies, regulatory requirements, and industry best practices.
- Stay informed of market trends, economic developments, and investment opportunities to provide informed guidance.
About the company
SmartBank is a full-service regional bank serving individuals, businesses, and high-net-worth clients across Tennessee, Alabama, and Florida. It attracts deposits and funds a diversified loan portfolio, including commercial, consumer, mortgage, construction, auto, and home equity loans, while offering checking and savings accounts and credit cards, with revenue mainly from interest on assets. The bank differentiates itself through a 42-branch footprint, family-led leadership, and bundled services such as private banking, wealth management with Raymond James, insurance through SBK Insurance, and dealer financing, all within SmartFinancial, Inc. Its goal is to deepen relationships, grow deposits and loans, expand its branch network, and provide integrated banking, wealth, insurance, and commercial financing services in the southeastern U.S.
Company Size
201-500
Company Stage
N/A
Total Funding
N/A
Headquarters
Pigeon Forge, Tennessee
Founded
2007
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Simplify's Take
What believers are saying
- Q2 2026 net income hit $16.3 million, up from $11.7 million in 2025.
- Loans and leases reached $4.68 billion by June 30, 2026, after $165 million quarterly growth.
- SmartBank recertified as a Great Place to Work in July 2026, supporting hiring.
What critics are saying
- Commercial loans and leases drive growth; a credit cycle turn would hit reserves fast.
- Noninterest expense rose to $34.0 million in Q2 2026, pressuring efficiency if growth slows.
- A deposit flight in Florida or Tennessee forces costly balance-sheet shrinkage.
What makes SmartBank unique
- SmartBank pairs relationship banking with private banking, wealth management, and mortgage services across three states.
- Billy Carroll centralized operations, technology, data, AI governance, and payments under COO Cynthia Cain.
- The bank recruits local bankers like Welsh and Griffin to deepen market-specific client relationships.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
401(k) Company Match
Paid Vacation
Flexible Work Hours
Paid Holidays
Tuition Reimbursement
Company News
SmartBank ranked no. 11 on Best Workplaces in Financial Services & Insurance list. Second appearance on the list places SmartBank 11th in the small and medium category October 8, 2026 Honor follows 2026 Fortune Best Medium Workplaces recognition and A third straight Great Place To Work certification. (UCBJ) - Great Place To Work(R) and Fortune have selected SmartBank for the 2026 Fortune Best Workplaces in Financial Services & Insurance(TM) List. It is SmartBank's second time on the list, and this year the bank came in at 11th place in the small and medium category. Earning a spot means that SmartBank is one of the best companies to work for in the country. The list is based on analysis of survey responses from more than 194,000 employees at Great Place To Work Certified(TM) companies in the financial services and insurance industry. "The strength of SmartBank has always been our people," said Billy Carroll, SmartBank President and CEO. "This recognition reflects the commitment our associates bring to serving others and the culture they continue to build across our company." "Awards like this are meaningful because they speak to the day-to-day experience of our associates," said Becca Boyd, SmartBank Chief People Officer. "The culture at SmartBank is built through collaboration, trust and a genuine investment in one another's success. We're grateful for the people who make that culture possible." The list is highly competitive. Great Place To Work, the global authority on workplace culture, determines its lists using its proprietary Trust Index(TM) Survey to evaluate and certify thousands of organizations in America's largest ongoing annual workforce study. The study is based on more than 1.3 million survey responses and data from companies representing more than 7.3 million employees. Survey responses reflect a comprehensive picture of the workplace experience. Honorees were selected based on their ability to offer positive outcomes for employees regardless of job role, work status or other demographic factor. "Congratulations to the Fortune Best Workplaces in Financial Services & Insurance," said Michael C. Bush, CEO of Great Place To Work. "People are at the heart of work in every industry, and finance is no exception. These companies show how delivering for your people drives financial performance and turns fear of the future into the confidence to win." The recognition follows SmartBank's inclusion on the 2026 Fortune Best Medium Workplaces(TM) list and builds on its appearance on the Best Places to Work in Financial Services & Insurance list in 2025. Along with earning Great Place To Work(R) certification for a third consecutive year, these honors reflect SmartBank's continued commitment to fostering an exceptional workplace culture. Founded in 2007, SmartBank is a full-service commercial bank and a subsidiary of SmartFinancial, Inc. (NYSE: SMBK), a financial holding company with more than $6 billion in assets. SmartBank provides banking, investment and mortgage financial services through 43 financial centers across Tennessee, Alabama, Florida and Georgia as well as a loan production office in Brentwood, Tennessee. Recruiting the best people, delivering exceptional client service, strategic expansion and a disciplined approach to lending have contributed to SmartBank's success, including recognition on the 2026 Fortune Best Medium Workplaces(TM) list. Pictured above: Becca Boyd.
Fortune media and Great Place To Work name SmartBank to 2026 Best Medium Workplaces list. Recognition marks company's third consecutive year of Great Place To Work certification August 27, 2026 SmartBank earns first appearance on Best Medium Workplaces list. (UCBJ) - Great Place To Work(R) and Fortune magazine have selected SmartBank for the 2026 Fortune Best Medium Workplaces(TM) list. While SmartBank was previously recognized on Fortune's Best Workplaces in Financial Services & Insurance list, this marks the company's first appearance on the Best Medium Workplaces list, coming in at No. 37. Earning a spot means that SmartBank is one of the best companies to work for in the country. To determine the Best Medium Workplaces list, Great Place To Work analyzed the survey responses of more than 240,000 employees from Great Place To Work Certified(TM) companies with between 100 and 999 U.S. employees. "At SmartBank, our people are the difference makers," said Billy Carroll, SmartBank President and CEO. "We are proud of the culture our associates have created, one built on teamwork, service, and a shared commitment to excellence. This recognition belongs to the associates who help make SmartBank such a special place to work." "A thriving workplace doesn't happen by accident. It's built through trust, listening, and a shared commitment to helping people grow," said Becca Boyd, SmartBank Chief People Officer. "I'm proud of the culture our associates have built together. We strive to create an environment where people feel valued, supported, and able to bring their best self to work each day. This recognition is a reflection of our associates and what's possible when people genuinely care about one another and the work we do together." The Best Medium Workplaces list is highly competitive. Great Place To Work, the global authority on workplace culture, determines its lists using its proprietary platform to evaluate and certify thousands of organizations in America's largest ongoing annual workforce study, based on over 1.3 million survey responses and data from companies representing more than 7.3 million employees this year alone. Survey responses reflect a comprehensive picture of the workplace experience. Companies earned their spot by offering the most generous, caring, and innovative cultures to the largest possible number of employees in the organization, regardless of job role, work status, or any other demographic identifier. "For small- and medium-sized companies, leadership can make the difference between double-digit revenue growth and a flatlining business," says Michael C. Bush, CEO of Great Place To Work. "Being recognized for high-trust leadership is a powerful predictor of future success, regardless of the market." SmartBank's recognition on this year's Medium Workplaces list follows its inclusion on the Best Places to Work in Financial Services & Insurance list last year and marks the company's third consecutive year of Great Place To Work(R) certification. This consistent achievement reflects the organization's ongoing commitment to creating a supportive and rewarding workplace environment, where associates' contributions are valued and celebrated. About SmartBank. Founded in 2007, SmartBank is a fullservice commercial bank providing banking, investment, and mortgage financial services, with 42 financial centers spanning Alabama, Tennessee, and Florida, as well as loan production offices in Columbus, Georgia, and Brentwood, Tennessee. Recruiting the best people, delivering exceptional client service, strategic expansion, and a disciplined approach to lending have contributed to SmartBank's success. Photo via SmartBank.
Welsh joins SmartBank's Huntsville team. Jul 29, 2026 Huntsville, Ala. - SmartBank has expanded its North Alabama team with the addition of Cara Welsh as vice president, relationship manager in the Huntsville and Madison market. Welsh brings 15 years of banking experience to the role, where she will focus on cultivating long-term client partnerships and supporting the bank's ongoing regional growth. "Cara's deep corporate management experience and deep roots in Huntsville make her a perfect fit for our relationship-driven approach," said John McMullan, market president. "We are thrilled to welcome her to the team and know she will bring immense value to our local clients." Welsh's background is rooted in operational execution and commercial relationship management. She holds a Bachelor of Arts from Auburn University, alongside Alabama professional licenses in life and health, and property and casual insurance. Beyond her professional portfolio, Welsh is highly active in local leadership. She currently serves as a board member for the Madison City Schools Board of Education, an ambassador for the Madison Chamber of Commerce, and is a member of both the Huntsville Chamber of Commerce and NALCOM, North America's premier commercial real estate network. "SmartBank has earned a fantastic reputation for prioritizing both its clients and the local community," Welsh said. "I am honored to join a team that shares my dedication to service, and I look forward to helping our North Alabama clients thrive." About SmartBank Founded in 2007, SmartBank is a fullservice commercial bank providing banking, investment, and mortgage financial services, with 42 financial centers spanning Alabama, Tennessee, and Florida, as well as loan production offices in Columbus, Georgia, and Brentwood, Tennessee. Recruiting the best people, delivering exceptional client service, strategic expansion, and a disciplined approach to lending have contributed to SmartBank's success. For more information on SmartBank, visit www.smartbank.com.
Griffin joins SmartBank's Tallahassee team as private banker. Jul 27, 2026 Tallahassee, Fla. - SmartBank has expanded its presence in the Florida Panhandle with the addition of Patricia J. Griffin as senior vice president, private banker for the Tallahassee market. Griffin brings more than 35 years of local banking leadership and deep community roots to the position, where she will provide tailored financial and concierge-level services to high-net-worth clients and business owners. "Patricia is a cornerstone of the Tallahassee banking and civic community, and her wealth of experience makes her an incredible asset to our team," said Erik Davis, market president. "Her dedication to providing personalized service aligns perfectly with SmartBank's values as we continue to grow our private banking footprint in Florida." Griffin's extensive background spans retail banking, commercial lending, treasury management, and private banking. Throughout her career in the local market, she has focused on expanding commercial deposits and loan portfolios, leading branch operations, and managing strategic client relationships. A graduate of the Florida School of Banking at the University of Florida, Griffin holds certifications from the Nationwide Mortgage Licensing System and the Independent Community Bankers of America. Beyond her professional portfolio, Griffin is a highly decorated local leader. She currently serves as board chair for the Old West Florida Enrichment Center, vice chair for the ACTS 2 (African American Alzheimer's Caregiving Training & Support), and a board member for the Network of Entrepreneurs & Business Advocates. She is also a Leadership Tallahassee graduate and past president of the Tallahassee Northside Rotary Club. Her decades of service have earned her numerous accolades, including the NAACP Black Achiever Award and being named one of Tallahassee's "25 Women You Need to Know." "SmartBank's commitment to combining sophisticated financial solutions with a genuine, relationship-driven approach is exactly what high-net-worth clients look for," Griffin said. "I am thrilled to join a team that prioritizes both client success and community investment. It is wonderful to be with an organization whose values mirror my own dedication to the people and progress of Tallahassee." About SmartBank Founded in 2007, SmartBank is a fullservice commercial bank providing banking, investment, and mortgage financial services, with 42 financial centers spanning Alabama, Tennessee, and Florida, as well as loan production offices in Columbus, Georgia, and Brentwood, Tennessee. Recruiting the best people, delivering exceptional client service, strategic expansion, and a disciplined approach to lending have contributed to SmartBank's success. For more information on SmartBank, visit www.smartbank.com.
Higgins joins SmartBank's Franklin team. Apr 30, 2026 FRANKLIN, Tenn. - SmartBank is pleased to announce the addition of Chip Higgins to its Franklin team as Senior Vice President, Relationship Manager. With more than 42 years of banking experience and a strong understanding of the local market, Higgins will play a key role in strengthening client relationships and supporting SmartBank's continued growth across the greater Nashville area. "We are excited to welcome Chip to SmartBank," said Lee Hunter, Area President. "His passion for serving clients, along with his valuable knowledge and perspective, will support the bank's continued growth in Middle Tennessee." Chip brings extensive experience in corporate relationship management and leadership, with a proven track record in operational execution and building longterm partnerships. He holds a Bachelor of Arts in Economics and a Master of Business Administration from the University of North Carolina at Chapel Hill and is a graduate of the Tennessee Commercial Lending School. Active in the community, Higgins is a Founding Partner of the John Maxwell Team, serves as treasurer of the Green Hills Rotary Club, and is a graduate of Leadership Franklin. "I'm honored to join the SmartBank team," Higgins said. "I look forward to working alongside such a dedicated group of professionals and contributing to the positive impact SmartBank continues to make in the communities it serves." About SmartBank Founded in 2007, SmartBank is a fullservice commercial bank providing banking, investment, and mortgage financial services, with 42 financial centers spanning Alabama, Tennessee, and Florida, as well as loan production offices in Columbus, Georgia, and Brentwood, Tennessee. Recruiting the best people, delivering exceptional client service, strategic expansion, and a disciplined approach to lending have contributed to SmartBank's success. For more information on SmartBank, visit www.smartbank.com.