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Panama City, FL – SmartBank is delighted to announce the recent promotion of Holly Spring to Mortgage Operations Manager. Spring’s well-deserved advancement is a testament to her exceptional skills, dedication, and significant contributions to SmartBank.

“Holly has consistently demonstrated a deep understanding of the mortgage industry, an impeccable work ethic, and a genuine commitment to providing exceptional service to our clients. We are confident that Holly will excel in her new role and continue to drive excellence in our mortgage operations,” said Cindy Beeman, SVP, Director of Residential Lending.

With nearly 25 years of experience in the financial industry, Spring’s journey at SmartBank began in 2015 as the Mortgage Underwriting Manager. Prior to joining SmartBank, Spring held positions as Senior Mortgage Underwriter, Head of Mortgage Operations, and Branch Operations Manager.

Spring holds a bachelor’s degree in communication from Wilkes University and has an impressive professional profile. She is an esteemed member of the ABA Mortgage Market Committee and has collaborated with the Florida Housing Finance Corporation as a Florida bond lender since 2004. Spring’s expertise includes being an FHA Direct Endorsement underwriter, a VA SAR (staff appraiser reviewer), and a VA-approved underwriter since 2000. Additionally, she is a USDA Rural Housing, Fannie Mae, and Freddie Mac underwriter.

“We are thrilled to announce Holly Spring as our new Mortgage Operations Manager,” said Billy Carroll, CEO of SmartBank. “Holly’s expertise, dedication, and remarkable leadership skills make her the perfect fit for this pivotal role. We have every confidence that she will excel in her new position and contribute to the ongoing success of SmartBank.”

For more information on SmartBank, visit www.smartbank.com.


About SmartBank

Founded in 2007, SmartBank is a full-service commercial bank providing banking, investment, insurance, and mortgage financial services, with 42 branches spanning Florida, Tennessee, and Alabama. Recruiting the best people, delivering exceptional client service, strategic branching and a disciplined approach to lending have contributed to SmartBank’s success. For more information on SmartBank, visit www.smartbank.com.