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Rao Muhammad Shoaib, FRM is currently the Team Leader- Trade & Services at United Arab Bank. Previously, Rao Muhammad held various leadership positions at First Abu Dhabi Bank (FAB) and FGB in the field of credit analysis and risk management. With a background in finance and economics, Rao Muhammad has a Master of Business Economics (MBEcon) from the University of the Punjab and a Financial Risk Management (FRM) certification from the Global Association of Risk Professionals-USA. Their experience spans over two decades in the banking sector, where Rao Muhammad has excelled in credit analysis and relationship management roles.