Al Noor Trading W.L.L. (Demo)
in progressRating R05CAM-0002/2026 · Corporate Banking · Overdraft USD 12.0 MM · Current stage: 5. Independent Risk Review
- OriginationCompleted
- PreparationCompleted
- BusinessCompleted
- Credit AdminCompleted
- 5RiskIn progress
- CommitteeLocked
- RegulatoryLocked
- Docs & CPsLocked
- DisbursementLocked
- MonitoringLocked
Next action · Stage 5: Independent Risk Review
Independent review: validate or override the risk rating, attach Conditions for Approval, concur or return.
Owner
Risk Management
Gate to next stage
Risk concurrence
Facility request
- Facility type
- Overdraft
- Amount
- USD 12.0 MM · QAR 43,800K
- Tenor
- 1 yrs
- Pricing
- 3M QIBOR + 3.00%
- LTV / coverage
- 60% / 160%
- Approval level
- Level 1
- Total exposure (QAR 000s)
- 43,800
- Limit % of capital base
- 0.55%
- Large exposure / related director
- No / No
Purpose
Renewal and enhancement of working-capital facilities (overdraft and trade finance) to support growth in building-materials trading.
Tracking sheet
Auto-generated from stage transitions — replaces the manual tracking sheet.
| Unit | Name | Out-date | Action | Comments |
|---|---|---|---|---|
| Relationship Manager (Business Unit) | Person 1 | 12 Aug 2026 10:44 | submit → CAM Preparation | Pack complete |
| Business Unit analyst (Preparer) | Person 1 | 16 Aug 2026 10:44 | submit → Business Sign-off | Draft CAM ready for sign-off |
| BU management (Recommender → Concurrer) | Person 2 | 19 Aug 2026 10:44 | pass → Credit Admin Control | Recommended for approval |
| Corporate Credit Administration | Person 3 | 23 Aug 2026 10:44 | pass → Independent Risk Review | Limits verified; documentation complete |
Ratios vs thresholds
borrower · Debt service coverage (DSCR) (FY2025)3.83xgood
borrower · Interest coverage (EBITDA / interest) (FY2025)3.83xgood
borrower · Leverage (total liabilities / tangible net worth) (FY2025)1.27xgood
borrower · Current ratio (FY2025)1.49xacceptable
borrower · Revenue trend (latest year) (FY2025)11.4%good
borrower · Profitability (net margin) (FY2025)6.0%good
borrower · Security coverage (collateral / exposure)160%acceptable
borrower · LTV on pledged securities / fund units63%acceptable
Red flags (0 open)
No open red flags.
Documents (0)
No documents uploaded yet.
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