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David Michael Smith is an accomplished Business Development and Client Portfolio Manager at Rand Merchant Bank, with 30 years of extensive experience in commercial and investment banking. With qualifications in Marketing, Sales, and Business Management, David excels in domestic and global markets focusing on currency, cross-border trade, and risk management. Previous roles include International Trade Specialist at FNB Corporate & Investment Banking and various positions in client management and operations at Mellon Bank and Dresdner Kleinwort. David holds multiple certifications and training in international trade, desktop publishing, and digital imaging design, complemented by education from institutions such as IMM Graduate School and IIE Varsity College.