Mahmood Al Kindi
Overview
4
4
years of professional experience
2
2
Certifications
Work History
Credit Analyst
Bank Muscat SAOG
Muscat
02.2024 - Current
- Reviewed over 150 credit proposals and memos across various banking segments, including Large Corporate, Project Finance, SMEs, Overseas Branches, providing objective and independent feedback to ensure sound decision-making.
- Ensured alignment of credit proposals with the bank's credit policies and adherence to established internal processes.
- Verified compliance of proposals with the applicable regulatory guidelines issued by the Central Bank of Oman (CBO), Capital Market Authority (CMA), and other relevant authorities.
- Performed detailed analysis of borrowers' financial statements, including key financial ratios, cash flow statements, and financial projections, ensuring thorough evaluation of financial health and performance.
- Reviewed and cross-verified compliance with loan covenants and conditions outlined in credit proposals/memos, identifying potential risks and recommending corrective actions to ensure adherence to credit agreements.
- Evaluated working capital requirements and term loan proposals, ensuring the development of sound credit rationales and mitigating risk through improved loan portfolio quality.
- Worked closely with Relationship Managers and guided them on credit review and improving the quality of credit proposals.
- Liaised with internal departments, including Credit Administration (CAD), Risk Management Division (RMD), Audit, Legal, and Compliance.
- Managed and monitored credit-related MIS, ensuring timely updates and proactive follow-ups on long-pending cases and limit-expired accounts, significantly improving processing efficiency.
- Led training for +10 interns, enhancing their technical and professional capabilities.
MI, Planning & Analysis, Graduate Program
Oman Arab Bank SAOG
Muscat
08.2023 - 01.2024
- Developed detailed financial reports for management and stakeholders on a regular basis.
- Reviewed financial documents and records to assess accuracy and compliance with applicable laws, regulations, and standards.
- Drafted presentations summarizing key findings from financial analyses.
External Auditor, Summer Internship
Deloitte & Touché
Muscat
06.2022 - 09.2022
- Assisting in the conduct of an audit engagement, pre-audit scoping and preparation, audit risk assessment, and performing preliminary evaluation of client's internal control structure.
- Assisting with audit planning procedures including audit tests using the firm's audit methodology.
- Assisting with preparation of the financial statements, or reviews client-prepared financial statement and other management reports to develop understanding and increase knowledge of various accounting aspects.
Education
Bachelor of Science - Finance, Accounting
Sultan Qaboos University
Sultan Qaboos University
Skills
- Credit analysis
- Credit risk assessment
- Financial analysis
- Analytical thinking
- Attention to detail
- Effective communication
- Leadership and supervision
Certification
Commercial Banking & Credit Analyst (CBCA®) - Corporate Finance Institute
Timeline
Credit Analyst
Bank Muscat SAOG
02.2024 - Current
MI, Planning & Analysis, Graduate Program
Oman Arab Bank SAOG
08.2023 - 01.2024
External Auditor, Summer Internship
Deloitte & Touché
06.2022 - 09.2022
Bachelor of Science - Finance, Accounting
Sultan Qaboos University