Trade Finance Executive Job Guide – Duties, Salary, and How to Apply

A Trade Finance Executive is a person who helps companies in sending and receiving money for their international trade. In simple words, when a company buys or sells products to other countries, they need someone to manage the payments, bank documents, and trade rules. That expert is called a Trade Finance Executive.

In Worldwide, this job is becoming more popular, especially in banks and government departments like PPSC, FPSC, and State Banks. If you have interest in banking, accounts, or business, this is a very good job for you.This job is not only for highly educated people. If you have basic knowledge of finance and trade, and you are ready to learn, you can build a strong career in this field.Let’s now understand what this job includes — what are the duties, who can apply, salary range, and how to apply through government platforms like PPSC, FPSC, or directly to banks.

Who is a Trade Finance Executive?

A Trade Finance Executive is a person who works mostly in banks, companies, or government offices and helps with international business payments. This means when a company in Pakistan wants to buy or sell something to another country like China, UAE, or the UK — they need help with safe money transfer, bank papers, and trade rules. That’s where the Trade Finance Executive comes in.

This person makes sure that the buyer pays safely and the seller receives money on time. They handle documents like LC (Letter of Credit), bank guarantees, bills of exchange, and many other financial papers. Their job is important because it keeps both companies safe and avoids fraud.

Real-Life Example in Simple Words:

Let’s say a Pakistani textile company wants to sell clothes to a UK company. The UK company doesn’t want to pay all the money before receiving the products. And the Pakistani company also doesn’t want to send products without getting paid. So, the Trade Finance Executive helps both parties by managing:

• Bank documents
• Letter of Credit (LC)
• Shipping documents
• Payment release
• Legal rules of both countries

This way, the trade happens smoothly and safely.

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Where Does a Trade Finance Executive Work?

This job is available in:

• Banks (like HBL, MCB, Bank Alfalah, UBL, State Bank of Pakistan)
• Government sectors (via PPSC, FPSC, SBP)
• Import-Export companies
• Logistics and freight forwarding companies
• Multinational corporations with trade departments

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Why is This Job Important in Pakistan?

Pakistan is improving its import-export business. Many businesses now trade with other countries. Due to this, the need for Trade Finance Executives is increasing.

• Helps Pakistani companies do safe international trade
• Supports national economy by increasing export
• Reduces chances of fraud in payments
• Makes banks and companies follow global financial rules

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What Kind of Person Can Become a Trade Finance Executive?

You don’t need to be a genius. But some skills and interest are needed, like:

• Basic understanding of finance or commerce
• Good with numbers and documents
• Can understand and follow banking rules
• Willing to learn trade terms like LC, BG, etc.
• Can use a computer and write emails

Even if you don’t have a university degree, if you are willing to learn, you can apply for training jobs or junior positions in private companies and grow step-by-step.

Main Responsibilities of a Trade Finance Executive

A Trade Finance Executive has many important responsibilities. Their main job is to help companies buy or sell goods across borders (international trade). When companies in one country want to do business with companies in another country, the process must be safe, legal, and smooth. That’s where this job becomes very important.

Let’s now look at what a Trade Finance Executive does on a daily basis.

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1. Handling Letters of Credit (LC)

One of the biggest tasks is managing Letters of Credit (LC). This is a special bank document that helps both the buyer and seller feel safe during trade. The executive prepares, checks, and submits these documents to the bank. They also make sure the LC terms are followed properly.

Example:
A company in India is selling machinery to a company in the USA. The LC says, “Send documents after shipment.” The executive makes sure all the shipping and invoice documents are correct and sent to the bank on time.

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2. Managing Import and Export Documents

Trade Finance Executives work with documents like:

• Invoice
• Bill of Lading
• Packing List
• Insurance certificate
• Customs papers
• Bank forms

These documents are needed for customs clearance and payments. One small mistake can delay or stop the shipment, so the executive must be careful.

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3. Coordinating with Banks and Clients

They work between banks, clients, suppliers, and buyers. They talk to all parties and make sure the documents and payments move smoothly. This includes sending emails, checking bank replies, and solving any issues quickly.

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4. Monitoring Trade Transactions

They track trade transactions from start to end. They know when the goods are shipped, when payment is released, and if everything is done legally.

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5. Ensuring Compliance with Trade Rules

Each country has its own trade laws. For example, the USA may have different rules than Pakistan or China. The Trade Finance Executive follows the international rules like:

• UCP 600 (rules for LC)
• Incoterms (shipping terms like FOB, CIF)
• Anti-Money Laundering (AML)
• Sanction screening

This helps avoid legal trouble for the company.

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6. Using Banking Software

They use special banking systems like SWIFT, Finacle, or T24 to process trade payments and messages. Some companies also use ERP systems like SAP or Oracle.

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7. Solving Disputes and Delays

If a buyer says, “I didn’t receive the goods,” or a seller says, “I didn’t get the money,” the Trade Finance Executive helps find out what went wrong and solves the issue.

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8. Giving Advice to the Company

They also guide the company about best practices in international trade. For example, which country is safe to trade with, which payment method is best, or how to reduce risk.

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In Short, Their Job Is:

• Make sure trade payments are safe
• Make sure all documents are correct
• Make sure no rules are broken
• Make sure both buyer and seller are happy

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Where Are These Jobs Found?

These professionals are needed in:

• Banks (international and local banks)
• Import/export companies
• Shipping and logistics firms
• Government departments (customs, trade ministries)
• Financial services and consulting companies

Eligibility Criteria for Trade Finance Executive Jobs

If you want to become a Trade Finance Executive, you must meet some basic requirements. These are called eligibility criteria. The good thing is — this job is not only for highly educated people. If you have the right skills, basic qualifications, and willingness to learn, you can easily grow in this field.

Let’s now see what you need to apply for this job.

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1. Education Required

Most companies and banks require a minimum of:

• Bachelor’s degree in any of these fields:
  • Business
  • Commerce
  • Banking
  • Finance
  • Economics
  • Accounting
  • International Relations (sometimes)

Note:
In some small companies or local banks, even intermediate or diploma holders (with trade knowledge) can apply for junior or assistant-level jobs.

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2. Special Certifications (Optional but Helpful)

If you want to stand out and get good salary, some extra certifications can help you:

• CDCS (Certified Documentary Credit Specialist)
• CITF (Certificate in International Trade and Finance)
• Trade Finance Certificate – ICC Academy
• Diploma in Banking & Trade Operations
• SAP/ERP training for trade modules

These certifications are not necessary for starting, but if you want promotion and high pay, they are very useful.

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3. Experience (For Mid-Level or Bank Jobs)

• Fresh graduates can apply for trainee or assistant roles
• 1 to 3 years of experience is needed for officer or executive-level roles
• 5+ years of experience needed for senior roles (manager, trade head)

In international banks like HSBC, Citi Bank, or Standard Chartered — experience is often required.

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4. Skills Needed

You don’t need to be a genius. But you must have these simple skills:

• Basic computer knowledge (MS Excel, email, etc.)
• English reading & writing (for documents and emails)
• Understanding trade terms (like FOB, LC, CIF)
• Communication skills (talking with clients and banks)
• Attention to detail (for checking documents carefully)
• Problem-solving mindset (if something goes wrong in trade)

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5. Language Skills

• English is important because most trade happens in English
• In some countries, knowing Arabic, Chinese, Spanish, or French is a plus
• In Pakistan and India, Urdu or Hindi is useful for local communication

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6. Age Limit (For Government Jobs)

If you are applying through PPSC, FPSC, or any government platform:

• Usually age limit is between 21 to 30 years
• Age relaxation of 3 to 5 years is given to some candidates (women, minorities, etc.)
• You must check the official ad for exact age criteria

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7. Computer Test or Written Exam (Govt or Bank)

Some employers take a written test, computer-based MCQs, or basic trade document test. You should prepare for:

• Basic English grammar
• General knowledge
• Simple math
• LC/Trade-related terms

Trade Finance Executive Salary – Local and International

One of the most common questions people ask is, “How much salary does a Trade Finance Executive earn?” The answer depends on many things like your experience, country, company, and skills. Below, we will explain everything in easy words so you can understand clearly.

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Salary in Pakistan

In Pakistan, salaries for Trade Finance Executives vary based on the city, type of bank, and your role.

Starting Salary (Fresh or Junior):

• PKR 35,000 to PKR 60,000 per month
• Usually given by local banks or small export/import companies

Mid-Level Salary (2 to 5 years experience):

• PKR 60,000 to PKR 120,000 per month
• Mostly in private banks, MNCs, or large firms

Senior Level (Manager/Team Lead):

• PKR 150,000 to PKR 300,000+ per month
• Given by top banks (e.g., HBL, UBL, Standard Chartered)

Note: Govt job via PPSC or FPSC may offer fixed pay under BPS 16, 17 or 18 depending on post.

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Salary in Gulf Countries (UAE, Saudi, Qatar)

The Gulf region offers higher salaries to skilled Trade Finance professionals.

• Junior Level: 2,500 to 4,000 AED/month
• Mid-Level: 5,000 to 9,000 AED/month
• Senior Manager: 10,000 to 20,000+ AED/month

Extra Benefits:

• Visa
• Accommodation
• Medical insurance
• Annual air ticket
• End of service bonus

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Salary in the USA, UK, and Canada

In developed countries, salaries are much higher but so is the cost of living.

• USA: $45,000 to $85,000+ per year
• UK: £30,000 to £60,000+ per year
• Canada: CAD 40,000 to CAD 75,000+ per year

If you have international certifications like CDCS or CITF, your salary may be even higher.

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Salary in Other Countries

• India: ₹25,000 to ₹70,000 per month (INR)
• Bangladesh: BDT 30,000 to 80,000
• South Africa: ZAR 20,000 to 40,000
• Nigeria: NGN 150,000 to 400,000

Each country pays differently based on their economy and banking sector.

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Freelance or Contract-Based Salary

Some companies offer short contracts or part-time work:

• In such roles, pay is per document, per hour, or per shipment
• You can earn $10 to $100+ per document depending on job and region

This option is good for retired bankers or freelancers with LC knowledge.

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Factors That Affect Salary

Your salary depends on:

1. Experience level
2. Bank or company type
3. City or country
4. Certifications (CDCS, CITF, etc.)
5. Language skills (English + extra language)
6. Performance and promotions
7. Job title (Executive, Officer, Manager, Head of Trade)

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Is Trade Finance a High Paying Job?

Yes, it can be a high-paying job if:

• You work in a foreign bank or international company
• You get certifications and improve your trade knowledge
• You apply in Gulf countries or Western countries

Even in Pakistan, top-level Trade Finance Managers in multinational banks earn over Rs. 300,000 per month.

How to Apply for Trade Finance Executive Jobs (Bank, PPSC, FPSC, International)

If you want to apply for a Trade Finance Executive job, you don’t need to worry. It’s a simple step-by-step process. Whether you are applying in Pakistan, Gulf countries, Europe, or anywhere else, this guide will help you understand how to apply.

Let’s begin step by step.

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Step 1: Prepare Your CV or Resume

Before you apply, make a clean and simple CV. It should include:

• Your full name and contact details
• Education (degree or diploma)
• Experience (if any)
• Skills (like MS Excel, LC handling, English)
• Certifications (CDCS, CITF – optional)
• Career objective (1 line about your goal)

Tip: Use a basic format. No fancy colors. Simple English is enough.

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Step 2: Search for Job Vacancies

You can find jobs in three main ways:

A. Bank Jobs (Private or International)

• Go to websites like:
  • www.rozee.pk
  • www.finca.pk
  • www.hblpeople.com
  • www.uab.ae/careers
  • www.hsbc.com/careers
• Use keywords:
  “Trade Finance Jobs”, “LC Executive Jobs”, “Bank Document Officer”

B. Government Jobs (PPSC, FPSC, etc.)

• Visit the official websites:
  • www.ppsc.gop.pk
  • www.fpsc.gov.pk
• Watch newspapers like Jang, Dawn, or Express
• Apply online when the ad is live. Fill the form carefully. Pay the challan if needed.

C. International Jobs (UAE, UK, USA, Canada, etc.)

• Use trusted websites:
  • www.indeed.com
  • www.linkedin.com
  • www.bayt.com
  • www.naukri.com

Tip: For UAE or Gulf jobs, make a passport early.

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Step 3: Submit Your Application

Once you find a job, click on Apply Now or follow the instruction.

• Some ask for email CV only
• Some ask for online form submission
• Some may also ask for a cover letter (just a short message)

Always check the deadline. Don’t apply late.

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Step 4: Prepare for the Interview

If your CV is selected, the company will contact you for an interview. Here’s how you can prepare:

• Learn about trade documents (like LC, Invoice, Bill of Lading)
• Practice answering questions in English
• Dress properly
• Be confident but humble
• Carry your documents (original and copies)

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Step 5: Job Test (If Required)

In government jobs (PPSC, FPSC), there is usually a written test or MCQ exam.

You need to prepare:

• General knowledge
• English grammar
• Pakistan affairs (for local jobs)
• Trade-related terms

Buy past papers or use YouTube for free preparation.

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Documents Needed to Apply:

• CNIC or passport
• Matric and inter result cards
• Bachelor’s degree (or diploma)
• Passport size photo
• Experience letters (if any)
• Trade certifications (if any)

Scan these documents for online use.

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Tips for Easy Selection

• Apply to many companies, not just one
• Keep your email active for responses
• Keep your LinkedIn profile updated
• Keep learning – never stop improving
• Always be honest in your CV

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Special Tip for Uneducated or Less Educated People

If you are not fully educated, don’t worry. You can start as a Trade Finance Assistant or Data Entry Operator in small trade firms. Then you can grow by learning.

Start small — think big!

Here one job is available , You Apply here Now

Job Title: Trade Finance Executive

Reports To: Finance Manager

Job Summary:
The Trade Finance Executive is responsible for overseeing and coordinating all trade finance operations, including Letters of Credit (LCs), bank guarantees, and remittances. This role requires close collaboration with banks, suppliers, and internal departments to ensure the seamless execution of trade transactions and compliance with regulatory requirements.
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Key Responsibilities:
• Collaborate with the procurement team to manage LCs and define payment terms with suppliers and customers.
• Liaise with banks to negotiate LC terms, obtain competitive quotes, and explore trade finance solutions.
• Review and validate bank charges related to import and export LCs.
• Administer trade finance operations, including LC issuance, negotiation of terms, LC discounting, issuance of bank guarantees, and submission of control returns.
• Manage all inward and outward remittances related to trade finance, including import/export bills, SWIFT transactions, and foreign remittances.
• Ensure timely and accurate submission of trade documents to banks in accordance with deadlines.
• Coordinate with the accounting team to ensure accurate recording of trade finance charges.
• Communicate with counterparties and banks for LC issuance, discrepancy resolution, and other trade-related matters.
• Provide the Finance Manager with timely updates on payment and collection schedules for funding arrangements.
• Ensure clean negotiation of LC documents and prompt receipt of payments from customers.
• Maintain compliance with local and international trade regulations, including customs procedures, duty exemptions, and trade agreements.
• Monitor and report on shipment status and logistics performance metrics.
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Skills and Qualifications:
• In-depth knowledge and hands-on experience in trade finance, particularly in handling Letters of Credit.
• Strong understanding of banking procedures, trade finance instruments, and associated charges.
• Proficiency in Microsoft Excel.
• Bachelor’s degree in Commerce, Finance, or a related field from a recognized institution.
• Minimum of 3 years of relevant experience in trade finance, preferably within large trading organizations.
• Familiarity with international banking standards such as UCP 600 and ISBP is an advantage.
• Strong analytical, negotiation, and interpersonal skills.
• High attention to detail and accuracy.
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Additional Requirements:
• Proven experience in preparing and reviewing LC documentation to ensure compliance with contractual terms.
• Ability to coordinate with operations teams for shipment and trade-related details.
• Experience in negotiating collection documents with financial institutions.
• Capability to independently prepare complete trade documentation in line with LC or contractual requirements.
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Other Duties:
• Perform any additional responsibilities as assigned by management.

If you best fit in criteria, please share your CV on Amani@medoilservices.com

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