Fady Sellat

• Evaluated clients credit status to assess risk levels and identify potential debtors.
• Assisted in developing and implementing credit control systems to ensure structured and
periodic debt repayment.
• Negotiated repayment terms with debtors in accordance with company policies and
client agreements.
• Managed internal coordination to ensure timely payments to creditors and meet weekly
collection targets.
• Maintained proactive client communication, ensuring effective debt resolution and long
term relationship management.
• Ensured compliance with corporate credit policies, regulatory standards, and audit
requirements.
• Maintained accurate client records and conducted monthly ledger reconciliations to track
purchase activity.
• Monitored payment behaviors to identify emerging risk trends and took corrective
actions as needed.
• Provided strategic advice on accounts receivable issues, addressing both client and
internal queries promptly.
• Initiated legal action in default cases, collaborating with legal counsel to define
repayment strategies.
• Recommended write-offs for irrecoverable debts and implemented recovery strategies
in insolvency cases.
• Communicated with debtors via calls, emails, and formal letters to follow up on
outstanding invoices.
• Oversaw the distribution of monthly statements, ensuring clarity and effective
communication for collection.

• Ensured strict compliance with internal lending policies and Qatar Central Bank (QCB)
regulations.
• Assessed, evaluated, and approved credit applications, aligning them with risk policies
and guidelines.
• Prepared and maintained detailed loan disbursement reports for credit committee
reviews; created monthly reports as per credit policy.
• Collaborated effectively with legal and compliance teams to verify documentation and
minimize legal risks.
• Developed and implemented internal control measures to detect and prevent fraud in
credit applications.
• Streamlined documentation procedures, reducing processing errors and significantly
improving turnaround times.
• Participated in internal and external audits, providing detailed documentation and
justifications for credit approvals and risk assessments.
• Met Turnaround Times (TAT) outlined in Service Level Agreements (SLAs) to ensure
timely delivery of services.
• Coordinated with the Compliance Department to stay updated on regulatory changes
impacting credit risk assessment.
• Ensured all necessary checklist items for credit facility documentation and annual
reviews were completed.
• Reviewed loan documentation, collaborating with internal teams for accurate, compliant,
and efficient execution of credit processes.
• Prepared and presented detailed credit summaries for loan committee approval.
• Supported system enhancements for credit risk monitoring, improving data-driven
decision-making.
• Supervised a team handling daily loan documentation, ensuring full compliance with
internal standards.
• Managed the departmental structure to align with organizational goals and operational
objectives.
• Acted as the key point of contact for escalated credit cases, resolving complex issues
efficiently.
• Delivered training and mentorship to junior staff on credit documentation and
underwriting standards.

• Conducted site visits and client meetings as part of the credit evaluation process for SMEs
and real estate financing.
• Assessed and evaluated credit applications, limits, and financing requests within defined
turnaround times, including for private individuals and business clients.
• Collaborated with relationship managers and business development teams to structure
suitable financing solutions for customers.
• Analyzed qualitative and quantitative data, including bank statements, financial reports,
and credit bureau data, to assess risk levels in line with Group Credit Policy and
Procedures.
• Conducted comprehensive due diligence, gathering internal and external information to
support credit underwriting decisions.
• Maintained transparency and professionalism throughout the credit approval process,
ensuring customer satisfaction.
• Investigated applicants’ credit history through the CRB system and assessed client
company creditworthiness.
• Ensured all credit facility documentation, annual reviews, and processing met checklist
requirements and credit standards.
• Verified compliance with credit approval terms and conditions prior to disbursing
facilities.
• Recommended improvements to credit procedures and policy frameworks.
• Ensured high accuracy in data capture to support the integrity of credit applications.

• Supervised day-to-day accounting operations, including journal entries, account
reconciliations, and general ledger oversight.
• Prepared and analyzed financial statements to ensure accuracy, completeness, and
compliance with company policies.
• Led month-end and year-end closing procedures, coordinating with internal departments
to meet reporting deadlines.
• Ensured compliance with internal accounting policies and external audit requirements.
• Reviewed and approved vendor invoices, purchase orders, and payment requests in
accordance with company policy.
• Tracked financial KPIs and contributed insights to monthly performance reviews.
• Developed and documented accounting procedures and internal workflow policies.
• Ensured backup of financial data and maintained secure, well-organized financial
records.