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Officers & Directors

Officers & Directors

Senior Management

William Y. Carroll, Jr.
William Y. Carroll, Jr.
President & Chief Executive Officer
William Y. Carroll, Jr. Billy Carroll is the president and chief executive officer of SmartBank and the president and chief executive officer of SmartFinancial, Inc. Mr. Carroll, also a founding director of SmartBank, has held the position since SmartBank’s inception. A graduate of the University of Tennessee, he earned his bachelor’s degree in Business Administration in 1990. Following graduation, Mr. Carroll worked for Kraft CPAs in Nashville, TN. He joined Citizens National Bank in 1992 where he held various management positions, including Executive Vice President and Chief Financial Officer. He also served on the CNB’s Board of Directors as well as the Loan Committee and Asset Liability Committee. Mr. Carroll is active in the community and served as past President of the Sevier County High School Foundation, member of the Sevierville Planning Commission, President of the Sevier County’s University of Tennessee Alumni chapter, and numerous other local organizations. Mr. Carroll currently serves on the board of the Federal Reserve Bank, Nashville Branch.
C. Bryan Johnson
C. Bryan Johnson
Executive Vice President & Chief Financial Officer
C. Bryan Johnson Bryan Johnson is SmartBank’s executive vice president and chief financial officer. Mr. Johnson joined SmartBank in 2010 as vice president and controller. A graduate of the United States Military Academy at West Point, he earned his bachelor’s degree in Economics, Mathematical in 1991. After college, Mr. Johson attended Officer Basic Training and Airborne School before serving as an Artillery Officer with the First Armored Division in Europe. Following a deployment to Bosnia as the Battalion Intelligence Officer, Mr. Johnson left the Army as a Captain. In 2000 Mr. Johnson earned his J.D. and MBA in Finance from the University of Tennessee, and also received the Chartered Financial Analyst Designation. Following graduate school, Mr. Johnson joined Moon Capital Management, a registered investment advisor. There he was responsible for the research of investments on behalf of individual and institutional clients. Mr. Johnson also worked as an Adjunct Professor for the University of Tennessee teaching Security Analysis and Financial Statement Analysis courses from 2002 – 2009. He is the Treasurer of the CFA Society of East Tennessee and a member of the West Point Society of East Tennessee.

Board of Directors

W. Miller Welborn
W. Miller Welborn
Chairman
W. Miller Welborn Miller Welborn has served as chairman of the Board of Directors of Cornerstone Bancshares, Inc. and Cornerstone Community Bank since November 2009. Mr. Welborn is a partner with the Lamp Post Group, a Chattanooga-based small business incubator. Mr. Welborn has also served as president of Welborn & Associates, Inc., a Chattanooga-based consulting firm specializing in transportation logistics, for more than ten years. He has been a director of the Cornerstone Bancshares, Inc. since September 2005. Mr. Welborn has served on the boards of numerous trucking companies and associations. In addition, he served on the board of a publicly traded bank for many years and for two terms as a director of the Federal Reserve Bank of Atlanta’s Birmingham Branch. He also serves on the boards of several non-profit organizations.
William Y. Carroll, Sr.
William Y. Carroll, Sr.
Vice Chairman
William Y. Carroll, Sr. Bill Carroll is SmartBank’s chairman of the board and director of business development. He began his banking career in 1963 at Hamilton National Bank in Knoxville where he was assistant vice president and loan officer. He joined Citizens National Bank in 1973 and later served as chairman and chief executive officer. Active in his community, Bill Carroll has served in a number of organizations including past president and board member of the Tennessee Bankers Association, past member of the American Bankers Association Government Relations Committee, past board member of the Federal Home Loan Bank of Cincinnati for three terms, past chairman of the board of the Fort Sanders Sevier Medical Center, and a past board member of Fort Sanders Alliance as well as several other reputable organizations. Mr. Carroll is also a past member of the Board of Trustees for Walter’s State Community College Foundation and the Board of Trustees for the University of Tennessee. He serves on SmartBank’s Executive Loan Committee, Human Resources Committee, Investment/ALCO Committee, and is an ex-officio member of the Audit Committee.
Victor L. Barrett
Victor L. Barrett
Victor L. Barrett Vic Barrett, a Texas native, earned his BBA degree in Accounting from the University of Texas at El Paso. He became a licensed CPA in Texas and Tennessee. Mr. Barrett worked in accounting and finance at various oil related companies in Houston before moving to Pigeon Forge, where he co-founded The Track Recreation Center family entertainment business. The Track Recreation Centers have since expanded to Destin, FL and to Gulf Shores, AL. Mr. Barrett is currently a partner, stockholder and executive in those businesses. Mr. Barrett serves as a member of SmartBank’s Investment/ALCO and Human Resources Committees as well as chairman of the Audit Committee.
Monique P.  Berke
Monique P. Berke
Monique P.  Berke Monique Berke is vice president of business transformation at CBL & Associates Properties, where she is responsible for overseeing project teams and implementation of the company’s business and technology initiatives. She previously served as vice president, investment operations of Unum Group, a global provider of financial protection benefits. Prior to 2009, she owned and operated Berke Coaching & Consulting, providing consulting services to Fortune 500 companies. Ms. Berke has extensive experience in the financial services industry with specializations in human resources and operational effectiveness. Her corporate and consulting backgrounds add extensive experience to the Cornerstone Bancshares, Inc. board in matters concerning human resources, process and change management and strategic planning. She has served on several community non-profit boards and committees and is the recipient of many professional awards.
William Y. Carroll, Jr.
William Y. Carroll, Jr.
William Y. Carroll, Jr. Billy Carroll is the president and chief executive officer of SmartBank and the president and chief executive officer of SmartFinancial, Inc. Mr. Carroll, also a founding director of SmartBank, has held the position since SmartBank’s inception. A graduate of the University of Tennessee, he earned his bachelor’s degree in Business Administration in 1990. Following graduation, Mr. Carroll worked for Kraft CPAs in Nashville, TN. He joined Citizens National Bank in 1992 where he held various management positions, including Executive Vice President and Chief Financial Officer. He also served on the CNB’s Board of Directors as well as the Loan Committee and Asset Liability Committee. Mr. Carroll is active in the community and served as past President of the Sevier County High School Foundation, member of the Sevierville Planning Commission, President of the Sevier County’s University of Tennessee Alumni chapter, and numerous other local organizations. Mr. Carroll currently serves on the board of the Federal Reserve Bank, Nashville Branch.
Frank S. McDonald
Frank S. McDonald
Frank S. McDonald Frank McDonald is president of FMA Architects, PLLC, a Chattanooga-based architectural firm, for more than twenty-five years. He has been a director of the Cornerstone Bancshares, Inc. since September 2005. Mr. McDonald’s extensive experience in the development and real estate industry assists the Cornerstone Community Bank’s loan origination process and credit risk management. In addition, he has vast experience in board governance and has served as chairman of several non-profit organizations.
Ted C. Miller
Ted C. Miller
Ted C. Miller Ted Miller is the president and partner of Dolly Parton Productions. He has over fifty years of experience in tourism, recreation, development, and marketing of themed attractions. He serves as vice chair of The Dollywood Foundation and The Imagination Library. Mr. Miller is the director and secretary at World Choice Investments. In 1995, Mr. Miller was appointed by the Governor of Tennessee to serve on the Film, Entertainment and Music Commission. In 1998, he was the Tourism Leader of the Year from the Hotel, Motel and Lodging Association. Mr. Miller was appointed to the “Knights of the Roundtable” by the Tennessee State Tourism Industry in 2000. He served as co-chair of an executive committee overseeing the State Tourism Department at the pleasure of Governor Bill Haslam. Mr. Miller also serves on SmartBank’s Executive Loan Committee and the Audit Committee.
David A. Ogle
David A. Ogle
Lead Independent Director
David A. Ogle David Ogle is a real estate developer. He earned a BBA from East Tennessee State University and has a master’s degree in Construction Science and Management from Clemson University. He has completed additional studies at Cornell University in Hotel Development. He is a partner and co-founder of Five Oaks Development Group, founder and sole stockholder in Five Oaks/Ogle, Inc., co-founder and president of Oaktenn, Inc., and also co-founder and officer in Five Oaks Outlet Centers, Inc. Active in the community, Mr. Ogle is past chairman of the Tennessee Real Estate Commission and past chairman of the Board of Trustees of Carson Newman College. In December 2010, the Trustees of Carson Newman College conferred an honorary doctorate of business administration to Mr. Ogle. He was recognized by Business Tennessee Magazine as being one of the Top Commercial Real Estate Persons in Tennessee. Mr. Ogle serves on SmartBank’s Executive Loan and Human Resources Committees.
Doyce G. Payne, M.D.
Doyce G. Payne, M.D.
Doyce G. Payne, M.D. Dr. Doyce Payne practiced obstetrics and gynecology in the Chattanooga area for more than twenty years prior to redirecting his practice to International Medical Missions in 2004. He has been a director of Cornerstone Bancshares, Inc. since 1997. As a resident of Chattanooga, his knowledge of the Chattanooga market fits well with Cornerstone’s strategy of focusing on its core banking franchise in Hamilton County. He also serves on the boards of several non-profit organizations.
Keith E. Whaley, O.D.
Keith E. Whaley, O.D.
Keith E. Whaley, O.D. Keith E. Whaley, OD, is the founder of the Whaley Family EyeCare in Pigeon Forge, Tennessee. He studied at the University of Tennessee, Chattanooga and the University of Tennessee. He earned his bachelor of science in Biology and doctor of optometry from the Southern College of Optometry. Dr. Whaley holds memberships in the American Optometric Association, the TN Association of Optometric Physicians (TAOP) and the East TN Society of Optometric Physicians (ETSOP). He served on the TAOP Board of Trustees from 2001-2010. Dr. Whaley is a past member and Board of Directors member of the Pigeon Forge Rotary Club, where he served as president from 2003 – 2004 and past president of the Business Network International Sevier County Chapter. He also served as mayor of the city of Pigeon Forge from 2007-2011. He currently serves as a commissioner on the Sevier County Board of Commissioners. Dr. Whaley serves on SmartBank’s Investment/ALCO and Audit Committees, as well as serving as secretary to the Board of Directors.
Geoffrey A. Wolpert
Geoffrey A. Wolpert
Geoffrey A. Wolpert Geoff Wolpert is the owner of The Park Grill and The Peddler restaurants in Gatlinburg. After graduating from the University of South Carolina with a degree in Business Management, he began management training at The Peddler Steak House in Gatlinburg. Since then, he has managed The Peddler and become majority stockholder in the restaurant’s parent company. In 1988, he sold all The Peddler Steak Houses except the renamed one in Gatlinburg, and in 1995, he opened The Park Grill. Wolpert was recognized as the 2000 Volunteer of the Year by the Gatlinburg Chamber of Commerce and received the 2004 Leadership Award from the United Way of Sevier County. Mr. Wolpert is the founding president of the Gatlinburg Gateway Foundation, and is currently serving on the Executive Committee as the past-president of the Board of Arrowmont School of Arts & Crafts and as chairman of the Development Committee. Mr. Wolpert serves on SmartBank’s Audit and Human Resources Committee.
Steven B. Tucker
J. Beau Wicks