Nitin Ranganathan CFA

Corporate Credit Analyst with experience as an Assistant Relationship Manager for a Mid- Market portflio of AED 2 billion across all sectors of the economy such as Oil and Gas, Real Estate, Contracting, Trading, FMCG, Retail, Tourism and Healthcare.

Acted as a Financial Analyst for Corporate Finance and Structured Finance Groups for USA, Europe, EMEA and Australian portfolios of Moody's.

Statutory Audit of Bank Dhofar and Alizz Islamic Bank SAOG
Performed Independent Credit Review on Corporate loans of RO 1.0 Billion across all sectors of the economy among
other audit procedures.
Selected customers on a sample basis and assessed the credit-quality by considering various factors like financial
metrics, collateral value, borrower profile, industry outlook, Credit scores and Omans macroeconomic environment.
Drafted internal credit memos for each corporate borrower and presented it to KPMG senior management.
Implemented the IFRS 9 staging checklist for corporate borrowers on a sample basis to monitor covenant breaches.
Facilitated high-level discussions at Audit Committee resulting in downgrading of few borrowers to higher IFRS
stages with enhanced provisioning requirements.
Worked closely with the Board secretary to document key developments of the entire bank during the reporting
period.