Five banking days. Then it is yours.
Document examination under a letter of credit is rule-bound, deadline-bound and document-shaped: a maximum examination period of five banking days following presentation, a rulebook everyone in the room already knows, and an output that is itself a document. Miss the window and you lose the right to refuse — which means you have bought a discrepant presentation.
Where the clock is missed.
Document examination and discrepancy advice — where we start
One presentation examined. What comes back is a drafted discrepancy advice with every finding citing its article, genuine discrepancies separated from matters of practice, and the examination period stated against the presentation date so the officer can see how much of it is left.
Collections and amendment checking
The same shape of work on documentary collections and on credit amendments, once the first queue runs reliably.
Regulatory figures on this page are drawn from secondary reporting retrieved on 27 July 2026 (Al Tamimi & Company; GCC Board Directors Institute; DIFC and ICC publications). Confirm the current text of any instrument before relying on it contractually.
One case, end to end.
Worked example · synthetic data · not a customer result
Trade finance · document examination and discrepancy advice
Incoming: A presentation under a commercial letter of credit: 7 documents, a transhipment clause, and an insurance certificate dated after the shipment.
- Each document is examined against the credit terms and the applicable rules, with every finding citing its article rather than a house convention.
- Findings are separated into genuine discrepancies and matters of practice, because a padded advice costs the relationship and a thin one costs the refusal.
- The examination period is stated against the presentation date, so the officer can see how much of it is left at a glance.
Back to you: A drafted discrepancy advice with every finding cited, in your trade finance system, waiting for the trade finance officer to issue or waive.
The same queue, two months apart.
Now
- Examination happens in the last two days of the window, because that is when someone is free
- A padded advice costs the relationship; a thin one costs the refusal
- Findings cite house convention rather than the article, and get argued
- Nobody can say from the outside how much of the window is left
With the queue covered
- Every presentation is examined to the same standard on the day it arrives
- Each finding cites its article, so it survives the beneficiary’s bank arguing back
- Discrepancies and matters of practice are separated before the advice is drafted
- Your trade finance officer issues or waives — and the window is visible throughout
A refusal that holds up because it is cited.
Every finding carries the article it rests on, and the advice records what was examined and what was not. Where a firm sits under the DIFC regime, that record is also most of what its Autonomous Systems Officer is required to maintain.
Send us 30–50 past presentations with their credits.
3 working days, free, 2 a month. A signed data-processing agreement before anything moves.