Chad Smith is the President and Chief Operating Officer of BMC at Better Home Finance Holding Class, a role he has held since 2020. With more than 25 years of experience in the mortgage and financial services sectors, Chad began his career as a loan officer at a major national bank, where he quickly advanced through roles in underwriting, sales management, and regional operations. He holds a Bachelor’s degree in Finance from the University of Texas and an MBA from the Wharton School, which equipped him with the strategic acumen to navigate complex market dynamics. Throughout his career, Chad has driven transformative achievements, including leading a $500 million portfolio expansion at his previous firm, implementing AI-driven risk assessment tools that reduced default rates by 40%, and spearheading compliance initiatives during the 2008 financial crisis that safeguarded assets and earned industry accolades. Recognized as a Mortgage Bankers Association “40 Under 40” honoree, he has consistently delivered double-digit growth in revenue and operational efficiency. As President and COO of BMC, Chad oversees day-to-day operations, strategic partnerships, and technology integrations for Better Home Finance Holding Class’s core mortgage business. His leadership has accelerated digital lending platforms, expanded market reach into underserved communities, and positioned BMC as a leader in sustainable home financing solutions, fostering long-term value for stakeholders and clients alike.