Mohammad Osama Al Ratta is a senior banking professional with over 14 years of experience in trade finance at Commercial Bank International in Dubai. He currently holds the position of Senior Trade Finance Officer and is responsible for managing letter of guarantee services, local bill discounting, and ensuring compliance with trade finance regulations and standards. Prior to this role, he worked as an Operations Supervisor and Customer Service Supervisor at the bank. He has extensive experience with trade finance products and systems, and has received training in areas such as documentary credits, Islamic trade finance, and anti-money laundering.

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