Al Noor Trading W.L.L. (Demo)
in progressRating R05- OriginationCompleted
- PreparationCompleted
- BusinessCompleted
- Credit AdminCompleted
- 5Risk ReviewIn progress
- CommitteeLocked
- RegulatoryLocked
- DocumentationLocked
- DisbursementLocked
- MonitoringLocked
CAM Preparation
Run AI extraction over the document pack, verify financial spreads and ratios, edit AI-drafted narrative, build the term sheet and propose a risk rating.
- Run AI extraction
- Verify spreads & ratios
- Edit CAM drafts
- Build term sheet
- Propose risk rating
- Submit draft CAM
AI document analysis
0 document(s), ~0 pages · 0 not yet extracted. Extraction reads each document, captures every figure with its page reference, fills the financial spreads, parties and collateral, and raises red flags.
Documents
Extract individually, re-classify, or open a document at the cited page.
Upload documents
Financial spreads — Borrower (Al Noor Trading W.L.L. (Demo))
USD 000s · audited · all values verified
| Line item | FY2023 | FY2024 | FY2025 | Source | |
|---|---|---|---|---|---|
| Income statement | |||||
| Revenue | manual | ||||
| Cost of sales | manual | ||||
| Gross profit | manual | ||||
| Operating expenses | manual | ||||
| EBITDA | manual | ||||
| Depreciation & amortisation | manual | ||||
| Finance cost | manual | ||||
| Net profit / (loss) | manual | ||||
| Balance sheet | |||||
| Total assets | manual | ||||
| Current assets | manual | ||||
| Cash & bank balances | manual | ||||
| Receivables | manual | ||||
| Inventory | manual | ||||
| Total liabilities | manual | ||||
| Current liabilities | manual | ||||
| Total debt | manual | ||||
| Net worth | manual | ||||
| Tangible net worth | manual | ||||
Financial spreads — Guarantor
No spread yet — run AI extraction on the financial statements or add rows manually.
Ratios vs bank thresholds
Benchmarks are configurable in Settings → Thresholds (placeholders until the bank's credit policy is loaded).
| Metric | Value | Assessment | Note |
|---|---|---|---|
| borrowerDebt service coverage (DSCR) (FY2025) | 3.83x | good | Debt service proxied by finance cost (no principal schedule extracted) |
| borrowerInterest coverage (EBITDA / interest) (FY2025) | 3.83x | good | |
| borrowerLeverage (total liabilities / tangible net worth) (FY2025) | 1.27x | good | |
| borrowerCurrent ratio (FY2025) | 1.49x | acceptable | |
| borrowerRevenue trend (latest year) (FY2025) | 11.4% | good | |
| borrowerProfitability (net margin) (FY2025) | 6.0% | good | |
| borrowerSecurity coverage (collateral / exposure) | 160% | acceptable | |
| borrowerLTV on pledged securities / fund units | 63% | acceptable |
Red flags · 0 open
Raised by AI extraction and by rule checks (missing documents, stale valuations, audit opinions, trends). Resolving a flag records who cleared it and why.
- No open red flags.
Nature of request & term sheet
Structured facility terms. Narrative term-sheet items (disbursement, repayment, security, covenants) are drafted as CAM sections below.
Facility Limit Summary
Figures in QAR 000s (USD converted at parity 3.65). Capital base QAR 8,000,000K → limit 0.55% of capital base.
| # | Facility type | Existing | Proposed | Change | Outstanding | Pricing | Collateral | |
|---|---|---|---|---|---|---|---|---|
| 1 | 3,650 | |||||||
| 2 | 3,650 | |||||||
| SUB-TOTAL | 43,800 | Large exposure: N · Related director: N | ||||||
| RELATED EXPOSURE | NIL | Edit in the term sheet (Related exposure) | ||||||
| GRAND TOTAL | 43,800 | |||||||
Borrower, guarantor & collateral
AI extraction fills these from KYC, guarantor and collateral documents — verify and complete.
PurposeApproved v1 · 26 Aug 2026 17:44 · Sara Al-Kuwari
One paragraph purpose of facility (cover page).
Renewal and enhancement of working-capital facilities to support growth in building-materials trading.
I. Nature of RequestApproved v1 · 26 Aug 2026 17:44 · Sara Al-Kuwari
Amount, tenor, purpose, pricing, security and regulatory prerequisites.
The Business Unit requests renewal and enhancement of the working-capital facilities of Al Noor Trading W.L.L. (Demo) from QAR 36.5 MM to QAR 43.8 MM (USD 12.0 MM equivalent at parity 3.65), comprising an overdraft of QAR 29.2 MM priced at 3M QIBOR + 3.0% p.a. and a letter-of-credit line of QAR 14.6 MM. The facilities are secured by a first-ranking mortgage over the company's warehouse (valued USD 19.2 MM, 2025) and personal guarantees of the shareholders.
Brief Details of BorrowerEmpty
Legal form, licence, domicile, ownership, incorporation purpose and group structure.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
Brief Details of GuarantorEmpty
Guarantor description, strategy and link to the borrower.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
Overview of the TransactionEmpty
Structure narrative incl. fund pool, investments and any Sharia-compliant structure.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
Modus OperandiEmpty
Pledge mechanics, NAV reporting, drawdown rules, validity/renewal, fee mechanics, cushion analysis.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
Disbursement termsEmpty
Tranche booking rules and drawdown conditions.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
Repayment termsEmpty
Interest and principal repayment mechanics.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
Security / support AI draft — pending approval v1 · 26 Aug 2026 18:51 · gpt-5.6-luna
Liens, pledges, guarantees, undertakings, top-up mechanism.
- Mortgage over the warehouse and yard located in the Industrial Area, with a reported value of USD 19,200K as at 15 November 2025 (Source: application form).
- Personal guarantees are provided as support for the overdraft facilities; the guarantors, guarantee amounts and enforceability details are not specified (Source: application form). [Analyst to confirm: guarantor identities, net worth and guarantee coverage].
- Letters of credit are supported by a 10% cash margin (Source: application form).
- The proposed security coverage is stated at 160%, with an LTV cap of 60% (Source: application form).
- No top-up trigger or liquidation trigger has been specified. [Analyst to confirm: valuation monitoring frequency, top-up mechanism, liquidation trigger and required cure period].
- [Analyst to confirm: mortgage ranking, registration status, existing encumbrances and whether the stated collateral value supports the proposed exposure after applying the Bank’s approved valuation and haircut methodology].
Conditions precedentEmpty
Documents and actions required before first drawdown.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
Performance monitoringEmpty
Information undertakings and reporting frequency.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
Terms & conditionsEmpty
Audited FS timing, reserves undertaking, cross-default, KYC eligibility.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
CovenantsEmpty
DSRA, side letters, liquidation treatment, pari passu ranking.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
III. Borrower BackgroundApproved v1 · 26 Aug 2026 17:44 · Sara Al-Kuwari
Licensed activities, shareholding, ownership narrative, management profiles.
Al Noor Trading W.L.L. (Demo) was established 18 years ago and distributes building materials to contractors across Qatar. The company is owned by two Qatari shareholders (51% / 49%) and managed by a General Manager with 25 years of sector experience.
IV. Industry AnalysisEmpty
Sector outlook, challenges and drivers; guarantor outlook.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
V. Financial Analysis — BorrowerApproved v1 · 26 Aug 2026 17:44 · Sara Al-Kuwari
YoY movements, asset/liability composition, related-party balances, net-worth drivers.
- Revenue grew 11.4% in FY2025 to USD 46.9 MM on higher infrastructure activity (Source: application form).
- EBITDA margin improved to 9.8%; net profit of USD 2.8 MM.
- Leverage (total liabilities / TNW) improved to 1.27x; current ratio 1.49x.
- Receivable days remain elevated at ~117 days, reflecting contractor payment cycles.
V. Financial Analysis — GuarantorEmpty
Revenue drivers, cost trends, asset growth, funding strategy, net-worth movements.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
VI. Account Conduct & ProfitabilityEmpty
Conduct and profitability summary from bank statements; new-relationship text where n/a.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
VII. QCB and Credit Bureau ReportsEmpty
QCB report findings; credit bureau findings.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
VIII. Sources of RepaymentApproved v1 · 26 Aug 2026 17:44 · Sara Al-Kuwari
Primary and secondary sources; pari passu note.
Primary: operating cash flows from trading activity (EBITDA USD 4.6 MM). Secondary: realisation of mortgaged warehouse (coverage 160%) and personal guarantees.
IX. Risk RatingEmpty
Proposed rating justification bullets.
Not written yet. Draft it with AI from the extracted documents, or click Edit to write it.
X. Risks & MitigantsApproved v1 · 26 Aug 2026 17:44 · Sara Al-Kuwari
Risk / description / mitigant rows.
| Risk | Description | Mitigant |
|---|---|---|
| Lower fund returns | Distributions from the underlying investments may fall short of expectations. | Diversified pool of funds; guarantor support; DSRA covering interest. |
| Security risk | Collateral value may fall below required coverage. | LTV maintenance with top-up and liquidation triggers; monthly NAV reporting. |
| Interest rate risk | Rising benchmark rates increase debt service. | Max all-in rate cap; interest serviced from distributions and guarantor. |
XI. RecommendationApproved v1 · 26 Aug 2026 17:44 · Sara Al-Kuwari
Recommendation bullets and final text — the committee sees this page.
- Long-standing relationship with satisfactory conduct.
- Consistent profitability and improving leverage.
- Adequate tangible security coverage.
The Business Unit recommends the renewal and enhancement of facilities for the committee's consideration.
Proposed risk rating
The analyst sets the proposed obligor rating (R01 best → R10 worst). The AI can suggest one from the analysis; Risk Management validates or overrides at Stage 5.