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Karen Smith's work experience includes a current position as a Loan Operations Analyst at Horizon Farm Credit, starting in July 2022. Prior to this, they held various roles at MidAtlantic Farm Credit. From September 2015 to July 2022, they served as a Loan Processing Manager. Before that, from September 2001 to August 2015, they worked as an Area Operations Supervisor. Their earliest role at MidAtlantic Farm Credit was as a Loan Specialist, which they held from August 1990 to September 2001.

Karen Smith has a Bachelor's degree in Early Childhood Education and Teaching from the University of Delaware. The specific start and end years of their education are not provided.