Desmond P. Smith is chief growth officer at United Wholesale Mortgage. In this position, Smith focuses on innovative ways to advance the independent mortgage broker channel. Smith brings three decades of knowledge and experience to the table from his time spent at the Federal Housing Administration, Wells Fargo, JPMorgan Chase, Citi, Capital One Home Loans and Fannie Mae. He has been recognized for creating high-performance cultures, empowering teams and transforming businesses.