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Stephen Harrell has a diverse work experience spanning over several companies. From 2017 onwards, they have served as the President of Preferred Business Xchange (PBX), a Credit Union Service Organization. PBX specializes in lending services and also owns Credit Union Title LLC. Prior to this, they held the role of Treasurer at the Metropolitan Area Credit Union Management Association (MACUMA) starting from 2015. From 2007 to an unspecified date, Stephen worked as the Senior Vice President of Finance at Lafayette Federal Credit Union, where they handled financial reporting, asset liability management, and investment portfolios. In 2004, they were a Senior Associate at Whitestone Capital Group, actively involved in a public/private partnership aimed at reducing foreclosures on FHA loans. Stephen also gained experience as an Emerging Market Research Analyst at J.P. Morgan EMEA in 2003.

Stephen Harrell attended Elmira College from an unknown start date to 2000, where they obtained a Bachelor of Science degree in Economics & Management. Later, from 2002 to 2004, they pursued a Master of Business Administration (MBA) from Syracuse University's Martin J. Whitman School of Management, specializing in Finance and Entrepreneurship.