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Terence Smith is chairman and chief executive officer of SMITH’s Research & Gradings, which he founded in 1992.  Mr. Smith is also chairman and chief executive officer of Smith Information Services, LLC, which provides event-risk credit analytics relating to infrastructure assets.

Prior to SMITH’s Research & Gradings, Mr. Smith was the president of Global Guaranty, which he founded in 1987 to provide publishing and conference products for the emerging financial guaranty industry. In late 1989, Global Guaranty was sold to Thomson International. While at Thomson, as the head of a business unit, Mr. Smith was a member of the executive management team which oversaw Sheshunoff, Muller Data, Thomson BankWatch, American Banker Newspaper, The Bond Buyer Newspaper, and 40 newsletters. Mr. Smith was responsible for the creation and launching of the American Banker and Bond Buyer Conference Division.

In 1990, Mr. Smith founded Global Guaranty’s All-American Municipal Analysts Team to provide greater recognition for the contributions of municipal analysts to the industry. Mr. Smith has worked in marketing positions at both Ambac Assurance Co. and E.F. Hutton. He has also worked as the managing editor of Investment Dealers’ Digest and as a reporter for Institutional Investor’s newsletters.

In 2015, Mr. Smith was awarded the National Federation of Municipal Analysts' prestigious Industry Contribution Award.

He has written articles that have appeared in The American Banker Newspaper, The Bond Buyer, Asset Sales Report, IPO Reporter, California Public Finance, Mortgage Commentary, Corporate Finance Week, Bank Report, Bond Week, The Philadelphia Inquirer, Harcourt Brace Publications and has made appearances on National Public Radio and CNBC.

Mr. Smith received his B.A. in English Literature from St. Joseph’s University in Philadelphia.







Phone: (571) 299-4925


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Smith's Research & Gradings,  has become a bellwether research company, often predicting significant trends and spotlighting controversial subjects sometimes months before they come to light elsewhere. Smith’s provides independent research and third-party analysis for institutional investors. Smith's analysis is an indispensable part of Wall Street and the world's capital markets.

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Smith's Research & Gradings

P.O. Box 1195

Great Falls, VA 22066