David's is responsible for monitoring all lines of credit through periodic evaluations of the companies. He also assists with the financial analysis of potential borrowers and new loans for existing borrowers.  He also helps with accounting financial reporting for two limited partnerships licensed by SBA. Southern Appalachian Fund, LP, is a New Markets Venture Capital (NMVC) company and Meritus Ventures LP is a Rural Business Investment Company (RBIC). Kentucky Highlands is responsible for all aspects of the financial management of these funds, including required reporting to the Small Business Administration.

Mr. Smith earned a Bachelor of Business Administration in Accounting and Managerial Finance from Eastern Kentucky University in Richmond, Kentucky. Prior to employment with Kentucky Highlands, David was employed as a Staff Accountant at Cloyd & Associates, PSC in Corbin, Kentucky and was Assistant Controller at Vinland Energy, LLC in Lexington, Kentucky.