عبد الرحمن الخربوطلي

Represent the Unit Head in various forums when
required.

Assist the Unit Head to monitor KRl's and KPI's for the unit established by management.

Ensure SOP's and checklists related to credit control activities are reviewed regularly and maintained up to date or improve existing processes.

Ensure credit control activities are carried out as per both (Bank / Credit) Policies & Procedures.

Ensure SLA's are in place and services are delivered to the business partners based on it.

Ensure all applicable risks are identified in the unit's RCSA and is maintained up to date.

Formulate, Implement and Manage the control &
monitoring actvities are in place within the Unit's scope.

Ensure adequate controls are in place to mitigate the risks in the credit control processes or risk acceptance is obtained.

Identify and Report any irregularities / warning
signals to the stakeholders and escalate to
appropriate authorities for necessary action.

Report credit monitoring conditions, credit/ collateral exceptions or any irregularities, or other vital information to the stakeholders and
escalate to appropriate authorities for resolution.

Ensure no operational losses for the unit.

Carryout periodic control testing on selected
samples based on the defined control testing
methodology.

Attain a satisfactory Audit Rating for the unit
(lnternal/External and Central Bank).

PROFESSIONAL ACHIEVEMENT:

Received 'Shukran Award' for the positive contribution in COVID-19 National Response Guarantee Program

ROLES AND RESPONSIBILITIES:

• Acting Head of Credit Administration Department while Head on Leave:
- Supervising Team of 3 CAD Members under Operation Unit.
- Review and approve Collaterals Creation along with Facilities Creation, Amendments, Rescheduling in CBS.
- Review and approve Disbursements Requests.

• Review and approve on Investment team (Local-International-Fintech) Document lodgments and disbursements requests.
• Execute & Review documentations' preparation Checklist for all (Local-Investment-Guarantee Program) Customers ensuring that requirements have been fulfilled against credit committee approval.
• Effective Examination of Credit Approvals/Agreements, Securities, Conditions and documentations, to ensure completeness and perfection prior facilities and collaterals booking/updating in CBS.
• Raise clear and effective communications channels regarding concerns/clarifications to both Credit/Business Teams to resolve any issues related to approvals/documentations on timely basis.
• Create and update customers' exceptions and ensure obtaining proper approving authority as per delegation matrix and credit policy
• Ensure compliance to the approved TAT along with internal P&P and SOPS are implemented in all tasks, in addition to internal & external audit recommendation.
• Identify opportunity to enhance current processes by suggesting effective and efficient enhancements in system and Performing UATs' to reduce TAT and enhance control.
• Contributed in both; Business Continuity Plan & COVID-19 National Response Guarantee Program Teams.

PROFESSIONAL ACHIEVEMENT:

Received 'Shukran Award' for Excellent Service towards Speed, Quality & Teamwork Demonstration.

ROLES AND RESPONSIBILITIES:

• Prepare New/Amendment/Rescheduling facilities requests on system and submit to CAD Head for approval.
• Review Document Lodgments Tasks, amend discrepancies not reflected from Approvals & submit to BFD.
• Review Customers’ KYC Package forms and ensure adherence to compliance guidelines.
• Preparations of disbursements contracts / Document Collections (Murabha - Ijara), and initiate Tawaroq requests in system.
• Supervise within the CAD department for maintenance of all Credit Files and Organize Securities Safekeeping in an acceptable manner.
• Monthly Review of Customers' Credit files to identify related issues as per Facilities Structure, Securities, Documentations and Appraisal Requirements to ensure adhering to credit committee approval and the bank’s policy and suspense any limit if required.
• Manage to Prepare and Review QCB, SME (Facilities Portfolios) - Periodic Reports based on QCB guidelines.
• Reporting all Customer's Insurance Policies to the various business functions.
• Coordinate with Approved evaluators to evaluate QDB Securities as per QCB regulations and agreed evaluation plan.
• Communicate and raise flag in case of any risk that seems to impair QDB interests in securities and customers' submitted documents.

PROFESSIONAL ACHIEVEMENT:

Team Leader in the IPO of 'Mesaieed Petrochemical Holding Company' market launch.

ROLES AND RESPONSIBILITIES:

• Verify proper documentations are presented before submitting to customers and in accordance to credit committee approval.
• Ensuring that Collateral Documentation, Evaluations and Credit Compliance are maintained according to policy and regulatory requirements prior realizing any credit facility.
• Reviewing Agreements, documentations, and securities according to Credit Approvals ensuring its perfection prior booking credit facilities (Local-International-Syndication-Sukuk-Placements) in the system.
• Support in the amendments and recommendations after having discussions with relevant account officers and team leader if needed in order to upload limit in the system.
• Responsible for preparing Board of Directors and Top customers (Above 200M) semi-annual report and submit it to Central bank after being reviewed and signed by CEO.
• Responsible for assisting CAD head in the preparation of detailed monthly and annual credit reports on the loan portfolio (Local-International) in order to be submitted to Central bank online system.
• Assist in preparing valuable exceptional / follow up reports to monitor any abnormal transactions outside the portfolio’s approval domain (documentations, terms and conditions, excess limit, limit utilization, past dues.) and inform the same to heads / team leaders / account officers / and branches for a timely adjustment.

PROFESSIONAL ACHIEVEMENT

• Able to manage and convert more than fifteen Branches accounts' documentations into Customers portfolio’s and its collaterals' safe-keeping within six months.

ROLES AND RESPONSIBILITIES

• Collect, administer and manage accounts portfolio’s / documentations and collaterals' safe-keeping.
• Link between relevant business and back office:
- Supporting in the car mortgage release between CAD, operations and other departments.
- Providing securities to legal department (after checking approvals against collaterals) in order to be released.
- Pledge fixed deposit in system based on approvals and follow-up with RSM in order to provide original.
• Assist in the shares and stocks being pledged between the bank and Qatar central securities depository.
• Resolving any customer’s issue as per credit bureau objections and providing CB reports to all RM in bank.