There are many different types of smicha and many different types of smicha granting institutions. I dont think it is appropriate to call someone Rabbi unless they are using their smicha in an official capacity such as a school rabbi or rabbi of a shule. This is because when you call someone Rabbi and he calls you by your first name it will psychologically inevitably lead to an unequal relationship, and the person being called rabbi will inevitably gain the upper hand even. For instance, if person a has smicha and person b does not and they both work at an accounting firm, person b should not call person a smicha since there is no reason why they should not be equals.
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