Muhammad Farooq Ghauri has over 15 years of experience in trade finance and financial services. He currently works as a Trade Finance Officer at Habib Bank AG Zurich in Dubai, where he manages import and export letters of credit, collections, payments, and client relationships. Prior to this, he held sales roles at Link Corporation and network engineering roles at Efonica FZ-LLC. He has a BSc in Computer Science and certificates in English, leadership, and trade finance skills.

1. MUHAMMAD FAROOQ GHAURI
Mob# +971 55 5585 011 , Email : farooqgh31@gmail.com
TRADE FINANCE OFFICER WITH A CAREER SPANNING 15+ YEARS
Areas of Expertise
 Trade Finance Management
 Sales & Marketing
 Strategic Planning
 Operations Management
 General Management
 Client Relationship
Management
 New Initiatives
Professional Abridgement
 Adept at Trade Finance Management, , Strategic Planning, Operations
Management, , General Management, Sales & Marketing.
 Expert in Bank to Bank communications via financial (MT 103, 202,799 etc.)
Non financial (MT 999,412 etc.) swift messages, for final settlement of LC and
Collection documents.
 Good knowledge of UCP600 & , ISBP, INCOTERMS.
 Expertise in Trade Finance – Import and Exports, releasing documents, remit
proceeds in pursuance, return overdue document etc.
 Prioritize workload and multi-task; flexible to changing priorities. Direct in
approach to discovering information.
 Managing diverse operational levels, interacting with the management ranks &
customers, ensuring superior performance with minimal error rates and
augment business for the organization.
Seeking a position of Senior Trade Finance Officer in the Trade Finance/ Financial Services industry
CAREER ACCOUNTABILITIES
-HABIB BANK AG ZURICH, DUBAI, UAE-
Trade Finance Officer (Mar 2009 to Date)
Key Result Areas: Trade Finance Management ~ Business Analysis & Development ~ Client Relationship Management
Key Profile Outline:
 Managing Retirement of LC documents (PAD and Discrepant) and Retirement of Collection Documents (Sight and
Usance).
 Raising memo for Over limit transaction for TR facility and doing credit analysis.
 Responsible for sending payments through telegraphic transfers, revering free of payment documents (collection)
and using MT 202, 103, 999 ,799,412 for financial & nonfinancial swift messages.
Accountabilities:
Import:
 Ensure that necessary commercial and financial documents are in order; inspect these documents prior to releasing
payment or accepting Bill of Exchange.
 Payment of Letter of credit, contract, Import advance payments, foreign telegraphic Transfer payment under Trust
Receipt facility (out ward).
 Monitoring Imports L/C (foreign & Local, Usance, sight, stand by letter of credit, defer L/C) in order to settle
discrepant documents.
 Release documents to the buyer in accordance with the exporter's instructions.
 Remit proceeds in pursuance with the Remitting Bank's schedule instructions.
 Return overdue document and balance overall collection and LC documents on monthly basis.
 Reversals of TR upon maturity.
 Process direct collection documents under TR facility.
 Prepare shipping guaranties and delivery orders.
 Request further instruction from remitting bank for problems not covered by instructions in the schedule.
 Prepare drawdown memo for transactions to be approved.
 Ensure that all transaction processing is in compliance with regulatory and bank’s policies, procedures and
standards with prompt intervention to resolve problems/concern areas.
 Receiving LBD approved memo’s in pursuance for TR reversals.
Export:
 Check documents (Invoices, Bill of Ladings, Packing Lists, Certificate of origin) for consistency and accuracy.
 Export L/C discounting and Trade refinance centralized operations.
 Creating and discounting letter of credit and financial Bill discounting.

2.  Lodge collection documents, prepare schedule and dispatch documents to foreign banks via courier.
 Process discounts/purchase memo’s upon customer request.
 Pay exporter after receipt of payments from the collecting bank.
LINK CORPORATION, DUBAI, UAE
Sales Officer (Apr 2007 - Dec 2008)
Accountabilities:
 Identified sales prospects; followed up sales leads and handled cross-sell of company products and services.
 Maintained a healthy sales pipe-line and ensured sales forecasts were met.
 Drove sales efforts involving effective promotional activities with high potential clients for growth and profitability.
 Conducted detailed market study to analyze the latest market trends and tracked competitor activities and provided
valuable inputs for fine tuning the selling and the marketing strategies.
 Initiated and implemented sales strategies for expanding market share and revenue growth.
 Led and guided sales professional to achieve organizational objectives.
 Responded to customers’ requirements and maximized customer satisfaction through prompt resolution of queries.
 Was responsible for constant follow ups of the existing clients and aggressive marketing for acquiring new clients.
 Negotiated and formed alliances to build up opportunities for higher sales.
 Was responsible for primary & secondary sale.
 Provided management with suggestions for improving market share and price levels.
EFONICA FZ-LLC INTERNET CITY, DUBAI UAE
Network Engineer (Mar 2005 – Nov 2006)
Accountabilities:
 Attended to walk in clients, resolved their queries, and made telemarketing calls to sales prospects and existing
clients.
 Installed and configured IP phones; organized site visits and product trials for prospective customers, and reported
outcomes to the managers.
 Responded to customer complaints and resolved technical problems; ensured company products performed as
specified and the level of service were satisfactory.
PREVIOUS EMPLOYMENT
 Brain Net Ltd., Pakistan, as Telemarketing & Technical Support Officer (May 2001 – Sep 2003)
 The British Council, Pakistan, as Invigilator (Mar 2000 – May 2001)
CREDENTIALS
Academic & Training:
 BSc (Computer Science), Pakistan (2000)
 IELTS, Pakistan (2006)
 Certificate of Proficiency in English Language, Pakistan (2004)
Certificates and Training received at Habib Bank AG Zurich:
Time Planning , Dealing withinterruptions , Giving a Presentations
Prioritizing your time (Urgent VS Important) , Putting Things Off
Running A Meeting , Writing E-mails , Organizational Skills , Leadership Skills
Information Security , H- Way , Trade Finance Training.
TECHNICAL SKILLS
 Good IT and typing skills – Excel, Bank ware and experience in direct SWIFT payment/message preparation.
PERSONAL INFORMATION
 Date of Birth: 4 Apr 1980
 Languages known: English & Hindi