Al Noor Trading W.L.L. (Demo)

in progressRating R05
CAM-0002/2026 · Corporate Banking · Overdraft USD 12.0 MM · Current stage: 5. Independent Risk Review
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  1. OriginationCompleted
  2. PreparationCompleted
  3. BusinessCompleted
  4. Credit AdminCompleted
  5. 5Risk ReviewIn progress
  6. CommitteeLocked
  7. RegulatoryLocked
  8. DocumentationLocked
  9. DisbursementLocked
  10. MonitoringLocked

Next action · Stage 5: Independent Risk Review

Independent review: validate or override the risk rating, attach Conditions for Approval, concur or return.

Open stage workspace
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.

UnitNameOut-dateActionComments
Relationship Manager (Business Unit)Sara Al-Kuwari12 Aug 2026 17:44submit → CAM PreparationPack complete
Business Unit analyst (Preparer)Sara Al-Kuwari16 Aug 2026 17:44submit → Business Sign-offDraft CAM ready for sign-off
BU management (Recommender → Concurrer)Khalid Al-Mansoori19 Aug 2026 17:44pass → Credit Admin ControlRecommended for approval
Corporate Credit AdministrationFatima Hassan23 Aug 2026 17:44pass → Independent Risk ReviewLimits 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

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