1. Mohammad Osama Al Ratta
Contact details Mobile + 971 55 1027655
Email: Osama_ratta@live.com
Osama.ratta@cbi.ae
Profile Synopsis
Senior Banking Industry Professional with over 14 years of progressive
experience serving at leading Banks in U.A.E. Career advancement with a solid
track record of promotions for outstanding performance with proven ability to
increase market share. Proven talent for developing and implementing
operations management strategies to propel a Bank to a position of leadership
within its respective market and achieving the corporate goals , Trade Finance ,
Customers Services , Systems Policies , Procedures Development and
Implementation. Excellent knowledge of SWIFT communication systems ,
format and usage in various products of Trade Finance.
WORK EXPERIENCE
• Commercial Bank International
• Dubai – U.A.E - Jan 2001 to date
Trade Finance Sr. officer
March 2008 to date
U.A.E – DUBAI
MAIN RESPONSIBILITYS
Trade Finance Services – Letter of Guarantee
• Ensure applications / requests are duly, signed/ verified correctly,
rectificationif any.
• Maintain and update documents and correspondence record
systematically to ensure efficiency / complete documents required.
• Ensure LGs applications received from branches are verified
• Responsible for Preparing / Analyzing Customers Credit Positions
Reports / availment tickets.
• Responsible for Checking Discrepancies / Preparing Credit Memos
Proposals.
• Prepare Letter of Credit with different types drafts according to
UCP 600 rules.
• Prepare / Vetting Legal Guarantees Text Formats.
• Issue various types of Guarantees {Tenders, Advance Payments,
Performances, Maintenances, Retentions, Financial, Labour, etc.}.
• Ensure guarantee text are technically vetted as per as URDG 458,
relevant clauses in UAE Commercial Law and the ICC publications
are applicable.

2. • Responsible for Daily commissions due Reports.
• Responsible for drafting various swift's messages types (MT 760,
MT799, Etc.).
• Processing of Issuance / Amendment / Payments / Claims /
Cancellation for Local/Foreign Correspondents.
• Responsible for Preparing messages – Swift / Counter guarantees
through different types of messages. (Issuance, amendment,
cancelation, Claiming, Etc.).
• Periodic follow up / checking on f various pending documents /
transactions.
• Participation / coordination in the Department's assigned projects.
• Check and approve all trade finance documents internally and
externally.
• Issue and approve clients and beneficiary bank guaranties and make
sure to finalize all requests at the same day.
• Feed and approve all discount cheques of Trade finance department in
the main system.
• Train all fresh trade finance department employees on system
,procedures and bank policy.
Trade Finance Services - Local Bills Discounting LBD
• Maintain good level of customer service.
• Receive centralized discounted Chqs application from Head office
/ Branches.
• Prepare Customers Credit position tickets / sheets requiring
approvals.
• Inputting Chqs details preparing / Chqs payee credit inquiry.
• Discounting Chq as per CBG proposals and Credit approvals
• Follow up on discounted matured collected / returned Chq.
Operation Supervisor
March 2004 to 2007
U.A.E – DUBAI
MAIN RESPONSIBILITYS
• Check and clear cheques through the central bank system manually.
• Check PDC and OBC cheuqes and feed it in the system manually.
• Post all clients transactions such as (debit & credit) manually in the system.
• Credit Card, Personalloan and Car loan.

3. Customer Service Supervisor
March 2001 to 2005
MAIN RESPONSIBILITYS
• Provide decent customer service for the clines and support them with all
information's needed.
My main achievement in this position.
• Develop and add new functions to the LG and LBD system.
• Best employee in balancing work at 2006-2007
• Assigned as CBI football activity's
PROFESSIONAL TRAINING
• English Banking basic and advance.
• Attended General Banking Course.
• Customer Care workshop
• Participated in a training related to the laws in banking orientation
course as well as in combating money laundering and fraud activities.
• Completed training regarding Documentary letters of Credit .
• Participated in Training related documentary credit – Revision. U.C.P.
600 .
• Attended course for Anti Money Laundering
• Islamic Trade Finance Products.
• Operational Risk Management.
QUALIFICATION
- Diploma in civil engineering, Damascus University, Damascus - Syria – 2001
- Banking software Applications, Ms Office, Internet, & E- mail applications.
Personal Details
Nationality : Syrian Driving License: U.A.E Light Vehicle
Marital Status : Married Language : English & Arabic Visa
Status : Employment Visa D.O.B: 1979
Reference
Nabil Mashaal: Head of trade finance + 971 501898569 nabil.mashaal@cbi.ae