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Beriha Girmay

@berihagirmay

Trade finance specialist at Nib International Bank S.C. who cut document-examination time from four days to two.

At Nib International Bank S.C., I handled commercial letters of credit, documentary collection, and advance payments, issuing and amending transactions under UCP 600 and URC 522. I also prepared SWIFT MT700, MT103, and MT202 messages.

I reviewed shipping and trade documents against letter-of-credit terms, flagged discrepancies, and worked with customers and overseas banks to correct documents before payment. By streamlining checks and following up on missing items, I cut document-examination time from around four days to two.

I managed FX settlements up to $1 million per month and coordinated with SWIFT teams to confirm trade details and prevent payment delays. I also investigated transaction discrepancies and enforced AML controls.

In customer relationship and service roles at Nib International Bank S.C., I advised commercial clients on trade finance compliance and processed daily transactions. I’m studying for the Certified Documentary Credit Specialist exam.

Experience

Work history, roles, and key accomplishments

Current

Group Home Caregiver

Current

Group Home

Jul 2024 - Present (2 years 4 months)

Maintain confidential client records and follow care procedures; report changes in client need promptly to case managers.

Client Care Record keeping Confidentiality Reporting

Retail Assistant

Retail Store

Jan 2024 - Jun 2024 (5 months)

Processed customer payments on a POS system with accuracy; verified ID for age-restricted purchases and followed transaction procedures.

POS systems Payment Processing Customer Service Identity Verification

Associate Customer Relationship Officer

Nib International Bank S.C.

Aug 2019 - Mar 2021 (1 year 7 months)

Advised commercial clients on trade finance rules and compliance with National Bank of Ethiopia and Financial Intelligence Service requirements. Processed 15-20 daily transactions at 99% accuracy and supported onboarding and account maintenance.

Client Advisory Compliance KYC Regulatory Compliance Transaction Processing Relationship Management

Associate Foreign Banking Officer

Nib International Bank S.C.

Jun 2014 - Aug 2019 (5 years 2 months)

Handled commercial letters of credit, documentary collections, and advance payments under UCP 600 and URC522, preparing SWIFT messages with high accuracy. Managed FX settlements up to $1M per month and reduced document-examination time from 4 days to 2.

Letters of Credit UCP 600 URC 522 SWIFT MT700 SWIFT MT103 SWIFT MT202 FX Settlement Document Analysis Discrepancy resolution AML Aligned Controls Excel

Customer Service Officer

Nib International Bank S.C.

Oct 2013 - Jun 2014 (8 months)

Handled 20-30 foreign remittance transactions daily, verifying ID and scanning KYC documents. Trained 2 junior officers and compiled monthly Excel reports on foreign currency income.

Remittances KYC Document Verification Excel Training

Loan Officer I

Nib International Bank S.C.

Mar 2013 - Oct 2013 (7 months)

Calculated debt-to-income ratios and processed 5-10 loan applications weekly in accordance with risk policy, maintaining 99% accuracy.

Loan Processing Risk Assessment Debt To Income Ratio Accuracy

Trainee Banker

Nib International Bank S.C.

Jan 2013 - Mar 2013 (2 months)

Handled 20-30 foreign remittance transactions daily, verifying ID and scanning KYC documents. Trained 2 junior officers and compiled monthly Excel reports on foreign currency income, supporting a 10% increase in branch income.

Remittances KYC Document Verification Excel Training