Subhi Ghazal

At Qatar National Bank Group, I lead SME Relationship Management and manage a cross-functional team of six Relationship Managers. I oversee relationships and credit proposals across SME banking, including problematic-account restructuring and Moody’s RiskAnalysis–CreditLens analysis.

I managed the transfer and final settlement of exposure for 1,400 borrowing companies under the NRGP-COVID19 Buyout programmes and Amiri Decree. I have also helped close two problematic accounts totaling approximately USD 8 million and restructure a loan of approximately USD 35 million.

Previously, at Banque BEMO Saudi Fransi, I led a portfolio of more than 120 clients totaling USD 25 million, maintained less than 3% unpaid amounts in my self-portfolio, and coached teams on credit files, financial analysis, facility structuring, and client risk.

I bring 15 years of banking, credit, relationship management, collections, financial analysis, and leadership experience, supported by CMA, CBCA, CMSA, CFE, Islamic banking, and credit-risk credentials. I value integrity, hard work, continuous learning, and delivering excellence in fast-paced environments.