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Freda Smith's work experience begins in 1970 at Nations Bank, where they held multiple roles including Trust Officer and Corporate Trust Officer. Freda then joined Bank of America in 1970 and continued to work as a Performance Analyst and Trust Officer until 1999. In 1999, they joined First Rate Inc as a Performance Analyst and remained in this role until 2016. Overall, Freda has extensive experience in performance analysis and trust management.

Freda Smith attended Atlanta Junior College from 1969 to 1971 and obtained an Associate Degree in Data Processing. In 1975, they briefly attended Ga State University and took computer courses.