Charles K. Smith

Principal, Mortgage Finance

Charles K. Smith is a Principal of Sandler O’Neill & Partners, L.P. Mr. Smith’s career in the Mortgage Banking industry spans 24 years, representing Sandler O’Neill Mortgage Finance L.P., Thompson McKinnon Mortgage Finance, Indiana Mortgage Company, Olympic Mortgage Company and Lincoln Service Corp.

Mr. Smith has been a member of Sandler O’Neill & Partners L.P. for the last 20 years and is currently the Principal responsible for managing Sandler O'Neill Mortgage Finance L.P. In that capacity, he guides the company in the securitization, sale, or acquisition of residential, multi-family, commercial and consumer loans. These range in quality and performance from performing “A” paper assets to non-performing assets. In the last eight years, an excess of $23 billion of product has been successfully executed under his guidance.

Mr. Smith assists with constructing asset valuations in accordance with FASB/GAAP guidelines and asset bid price levels to support bank acquisitions and portfolio restructurings involving multi-billion dollar loan and servicing portfolios. He was responsible for overseeing and contributing to the Firm’s development of a static life of loan projected cumulative loss model to provide innovative solutions for current asset valuation methodologies applied to portfolio valuations, FDIC assisted bids, and open bank acquisitions. Mr. Smith oversees the valuation of over $3.0 billion of servicing rights quarterly. He coordinates all transaction related activities to ensure professional execution, realization of client objectives and integration of multiple transaction requirements for analytical, underwriting, delivery, and valuation resources.

Additionally, Mr. Smith is a co-manager of the firm’s Information Technology Group and is an active board member for the not-for-profit Christian ministries, Have a Standard Foundation and Samaritans Heart International.