About us

D J Smith Consulting Limited was founded in 2005 by the owner and principal, David Smith. 


David's 29 year international corporate banking career with Citibank began in Saudi Arabia in 1976 and included senior business management assignments in the Middle-East, Africa, Europe and Asia. He was Citibank's Managing Director for Zaire in the 1980s and the Director of Citibank's SME operations in the Asia Pacific region in the early 1990s.


David also held a number of senior credit risk management assignments as the UK Corporate Credit Officer, the EMEA Credit Audit Director, and the Senior Credit Officer for Central & Eastern Europe. His last assignment with Citibank was as the Management Board Vice-President responsible for risk management in Bank Handlowy, Citigroup’s subsidiary in Poland.


David was a Citigroup Managing Director and a Level 1 Senior Credit Officer, the highest level of credit authority granted by Citibank.


Since 2005, David has been working as a consultant and has completed a number of advisory and training assignments for different financial institutions, primarily in the field of credit risk management.


From 2013 until 2018, David served as a member of the Board Audit Committee for Abu Dhabi Islamic Bank, and as an Independent Non Executive Director and Chair of the Audit & Risk Committee for its UK subsidiary.


Since January 2018, David has been an Independent Non Executive Director and Chair of the Risk Committee of Wyelands Bank.


David holds a Law degree from the University of Edinburgh and an MBA from Manchester Business School.

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