Stephen W. Smith is an executive vice president and chief credit officer of GSE at Walker & Dunlop and is based in Needham, Massachusetts. In this role, he is responsible for overseeing the structuring and underwriting of the firm’s Fannie Mae and Freddie Mac multifamily loans, including conventional, affordable, and small balance lending programs.

Prior to his current role, Smith oversaw credit for Walker & Dunlop’s multifamily affordable housing, seniors housing, and balance sheet lending programs, as well as corporate credit matters related to affordable housing tax credit equity investments and development joint venture partners. He also led strategic initiatives across the firm’s GSE underwriting departments, including training and technology innovations, and served as chief underwriter for Fannie Mae and Freddie Mac conventional, affordable, and seniors housing loans. Before joining Walker & Dunlop, he served as a senior vice president at CWCapital, which was later acquired by Walker & Dunlop. Earlier in his career, he held underwriting and due diligence roles at Berkshire Mortgage Finance, now Newmark, and real estate lending roles at Shawmut Bank, now part of Bank of America.

Smith earned a bachelor’s degree in economics from Ohio Wesleyan University and a master’s degree in business administration from the F.W. Olin Graduate School of Management at Babson College. He previously served on the Fannie Mae Affordable Housing Market Dynamics Committee, including two years as lender chair, and was a member of Freddie Mac’s Targeted Affordable Housing Seller/Servicer Council.