Trailing 37-26 at the break, Belmont (3-1) took the lead with a 10-0 run that made it 61-60 with 43 seconds to play. Western Kentucky (1-2) took it back on a three-point play by T.J. Price with 22 seconds left, but the Bruins quickly moved the ball to the other end Taylor Barnette dished it to Smith for the winning trey with 14 seconds to go.
Bradds shot 8 of 11 from the floor, including a pair of 3-pointers, and had eight rebounds. Craig Bradshaw added 15 points and Smith finished with six - the game-winner and another 3-pointer just a minute earlier during the go-ahead run.
Chris Harrison-Docks led the Hilltoppers with 21 points.