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Stephen Smith has a diverse work experience spanning over three decades in the banking industry. Stephen most recently served as the SVP - Commercial Lender / Credit Officer at Herring Bank. Prior to that, they held the position of Commercial Banker at CrossFirst Bank. Stephen also held roles such as Commercial Team Lead / Senior Lender at Central Bancorp (now known as CrossFirst Bank), Market President at Herring Bank, and Senior Vice President / Senior Commercial Relationship Manager at Northstar Bank, A Carlile Company. Earlier in their career, they worked as a Vice President at Academy Bank, a Senior VP at Kirkpatrick Bank, and a Portfolio Manager, VP at US Bank.

Stephen Smith attended the Graduate School of Banking at Colorado, specializing in Banking, from an unknown start year to 2012. Stephen then pursued their undergraduate education at the University of Wisconsin-Eau Claire, where they studied Economics from 1987 to 1991. Prior to their higher education, Stephen attended Madison West, but specific details such as the start and end years or field of study are unknown.