Jhae Smith

WORK HISTORY

EDUCATION

ABOUT JHAE SMITH

I’m a Commercial Lending Executive with over 20 years of experience leading credit strategy, loan origination, and underwriting across complex transactions—including CRE, C&I, construction, SBA, A&D, and specialty lender finance. With $800MM+ in total loan production over the past 7 years, I specialize in structuring creative credit solutions that drive revenue, mitigate risk, and support long-term client success.As SVP, I’ve led high-performing teams, developed lending programs, and advised C-suite leadership on credit risk, pricing, and portfolio growth strategies. I’ve built and managed loan portfolios exceeding $300MM, with a strong track record in syndication, non-bank lending, and warehouse finance. My leadership extends to mentoring junior officers, streamlining credit processes, and implementing training programs focused on advanced risk assessment and cash flow analysis.I bring deep insight into regulatory compliance, strategic planning, and operational execution within both bank and non-bank environments. My ability to connect strategy with execution makes me a trusted advisor to executives and stakeholders.Passionate about building lending platforms that scale, I’m committed to delivering results through relationship-driven execution, sound credit practices, and data-informed decision-making.Let’s connect if you’re looking for leadership that blends front-line lending expertise with executive vision.