Mohsin Al Balushi

• Established a new borrowing portfolio of more than OMR 1 billion within one year.
• Identified business opportunities within existing client base, sourcing new business to enhance portfolio growth.
• Cross-sell other banking products, with income generation of more than OMR 2 million during one year from ancillary business (other than loan documentation fees).
• Minimised portfolio risk and maximised returns through thorough credit analysis, ensuring compliance with credit and regulatory policies.
• Achieved exceptional turnaround time with end-to-end process completed in 1 to 5 days, enhancing client satisfaction.

Identified business opportunities amongst existing customers and sourced new projects through networking with customers.

• Promoted additional banking products to existing clients to enhance their financial portfolios.
• Understand and monitor client business and financials for ensuring suitable and timely solutions or corrective actions.
• Liaise with trade finance, operations, treasury, legal and branch banking team for seamless customer service
• Prepare detailed written corporate proposal memorandums for Unit Head's review and approval Provide detailed credit analysis and periodic recommendations based on historical and projected operating performance.
• Understand and monitor client business and financials for ensuring suitable and timely solutions of corrective action.
• Achieve financial targets by growing revenue from the portfolio.
• Ensure adherence to credit, regulatory, compliance & Sharia Law policies

• Drafted comprehensive credit review notes on evaluated proposals to support informed decision-making.
• Assess credit risk of new and existing corporate proposals with emphasis on customers' management, financials, industry, repayment capacity, collateral adequacy, account conduct, and regulatory and economic analysis.
• Ensured compliance with regulatory requirements set by Central Bank of Oman and internal credit policies for all proposals, mitigating risk and enhancing oversight.
• Verify facility structures and confirm credit systems were accurate and updatedd.
• Verify business operations through analysis of financial ratios and measurements with comparison of granted credit line and its structure and requirements.
• Coordinated preparation of Board Credit Committee agenda to streamline discussion and facilitate timely approvals.