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Tony Kirkland, Jr. is a seasoned banking professional with extensive experience in credit decisioning and financial analysis. As Senior Vice President - CRE Credit Officer at SmartBank since May 2018, Tony transitioned from a credit generalist to a specialist in commercial real estate. Previously, as Senior Vice President - Regional Credit Officer, responsibilities included credit decisions and underwriter management across the Southeast TN market. Tony worked at Regions Bank as Vice President for Community Investment Capital and held various roles at SmartBank, Lipsey's, and Regions Bank, focusing on real estate banking, credit services, and commercial lending. Educational credentials include a Master's degree in Banking and Financial Support Services from the Graduate School of Banking at LSU and a BBA in Management from Columbus State University.