This document is a curriculum vitae for Angeliki Amanitou, a Greek national with experience in relationship management and credit analysis for business customers at several banks in Greece. She holds a Master of Science degree in Management and a Master of Science/Diploma in Business Administration. Her professional experience includes over 15 years in evaluating business plans, conducting financial analysis, and managing portfolios of SME customers and loans at various banks in Greece.

1. Angeliki Amanitou
c/o Aristeidis Amanitis, Hadwigstr. 36, 78224 Singen, Germany
Mobile: +4917678138665, +306974383769
E-Mail: amanitouangelina@gmail.com
Born on 24.07.1973 in Thessaloniki, Greece
EDUCATION
Management (M.Sc.)  Business Administration (M.Sc. / Dipl.-Kauffrau Univ.)
PROFESSIONAL EXPERIENCE
Relationship Officer for Business Customers  Senior Credit Officer
(Corporate Banking - Department of SME)  Loan and Import - Export Officer
CORE COMPETENCIES
 Asset Based Lending
 Cash Flow Based
Lending
 Small & Medium
Business Lending
 Lending for public
enterprises
 Project Financing
 Syndicated Loans
 Acquisition of business
customers
 Relationship Management
 Evaluation of Business
Plans
 NPLs minimization
 Debt Restructuring
 Basel II & III
 IFRS & IAS
 Conducting executive
summaries & reports for
E.C.B.
 Moody’s Rating Model
 Financial Analysis
 Credit Risk Analysis

2. CURRICULUM VITAE
PERSONAL DATA
Full name: Angeliki Amanitou
Nationality: Greek
Date / Place of birth: 24.07.1973,Thessaloniki, Greece
Marital status: Single
Address: c/o Aristeidis Amanitis
Hadwigstr. 36, 78224 Singen, Germany
Mobile: +4917678138665, +306974383769
E-Mail: amanitouangelina@gmail.com
PROFESSIONAL EXPERIENCE
07/2013-12/2014
02/2008-07/2013
01/2006 – 02/2008
PIRAEUS BANK S.A. Business Center Thessaloniki, Greece
Relationship Officer (Credit Department for SME)
 Recommended and acquired new private and public business customers
(customer portfolio of ~€150 million)
 Responsible for financial analysis, credit rating, reviewing & updating of credit
files and for monitoring repayment progress; project finance
 Composed and co-approved credit proposals and implemented credit
decisions for approx. 60 business customers on an annual basis
 Turned non-performing loans into performing loans by proposing and
implementing restructuring plans and negotiating them with customers
 Assessed data for the Bank’s reports requested by Management, Auditors,
Central Bank of Greece, ECB, etc.
CYPRUS POPULAR BANK S.A.1
Business Center L. Sofou Thessaloniki, Greece
Senior Credit Officer (Credit Department for SME)
 Acquired, monitored and expanded Business Center’s customers’ portfolio
 Responsible for the evaluation of business plans, sustainability reports and
credibility of SMEs (customer portfolio of ~€85 million)
 Negotiated new payment arrangements with at least 25 customers per year,
whose loans had become non-performing due to the economic crises
 Responsible for reviewing data, financial analysis, credit analysis & financial
ratio analysis of 3 Junior Credit Analysts and 2 Credit Analysts, in order to be
forwarded for approval
 Contributed to significant raising of cross- selling level of the Business Center,
regarding other Bank products
 Assessed data for the Bank’s reports requested by Management, Auditors,
Central Bank of Greece, ECB, etc.
EGNATIA BANK S.A.2
Business Center L. Sofou, Thessaloniki, Greece
Credit Officer (Credit Department for Large Corporations and SME)
 Initiated sales activities for the acquisition of potential business customers and
submitted their files to Senior Credit Officers
 Responsible for analysis of financial statements & market analysis, rating
1
CYPRUS POPULAR BANK S.A. was acquired in March 2013 by PIRAEUS BANK S.A.
2
EGNATIA BANK S.A. was acquired in June 2007 by MARFIN BANK S.A., which’s name has been changed in April 2012 to:
CYPRUS POPULAR BANK S.A.

3.  Prepared term sheets for Bond Loans and Syndicated Loans
 Prepared reports using ratios according to Bank’s credit policy
10/2001- 12/2005 OMEGA BANK S.A.3
Thessaloniki Branch, Greece
Loan and Import-Export Employee (Department for SME) from 10.10.2001 since
14.06.2005 and promoted to an Officer for Business Customers from 15.06.2005
since 30.12.2005
 Responsible for operational activities for the implementation of approved credit
proposals, such as preparation of loan contracts and loan files, preparation of
draw-downs for granting credits and of loan repayment schedules
 Responsible for customer service in the Import- & Export Department
 Evaluated balance sheets, financial income statements and property- & cash
flow statements; identified industry trends & developments.
 Initiated the acquisition of at least 30 new customers on a yearly basis,
composed credit proposals for them and monitored business customers’
portfolio
08/1997 -10/2001 EGNATIA BANK S.A. Thessaloniki, Vas. Olgas Branch & Kalamaria Branch
Junior Loan Officer from 18.8.1997 since 02.04.2000 and Loan Officer from
03.04.2000 since 09.10.2001
 Prepared financial analysis, ratio analysis & ratings to be submitted to Senior
Credit Officers for the finalization of credit proposals
 Supported Senior Credit Officers and Management in reporting and processing
data for other departments of the Bank
 Responsible for researching industry and specific information about potential
and existing customers, for market analysis and identification of trends
 Interacted with customers and provided them with information about financial
services and products
 During the period 03.04.2000 -09.10.2001: additionally to the above-mentioned
duties, I was handling a portfolio of approx. 75 small enterprises, due to my
promotion to a Loan Officer
Credit supervision and client rel
08/1996 – 10/1996 ARTES GRAPHICAS ZAMPHIROPOULOS S.A. Asuncion, Paraguay
Internship
 Restructured several processes as part of a special project on reorganization
in Production and Distribution
 Implemented changes in the cost calculation methods of the company
 Responsible for the communication with international suppliers
06/1996 – 08/1996 Institut für freie Berufe an der Friedrich-Alexander Universität Erlangen –
Nürnberg (Institute for Self-Employed Professions at Friedrich-
Alexander University Erlangen-Nürnberg) Nürnberg, Germany
Research Dept. Employee (on a part-time basis)
 Conducted research on the profession of Tax Consultant in Greece
 Processed and analyzed data concerning regulatory framework for Tax
Consultants in Greece
05/1996 – 06/1996 VGN AG Verkehrsverbund Großraum Nürnberg AG (Public Transport
Organisation) Nürnberg, Germany
Transportation Planning Dept. Employee (on a part-time basis)
3
OMEGA BANK S.A was acquired in Jan. 2006 by PROTON BANK S.A., which was acquired in July 2013 by EUROBANK S.A.

4.  Prepared charts, maps and network plans for Public Transportation planning
 Assisted in preparation of reports for advertising purposes
05/1994 – 09/1995 GFK AG (Gesellschaft für Konsum- & Marktforschung AG) - Consumer
and Market Research Company Nürnberg, Germany
Internship and part-time jobs in the following Departments
 Advertisement Research, TV Research
 Trade Services
EDUCATION AND QUALIFICATIONS
2/2002-10/2004
(part-time studies)
Post-graduate Degree (M.Sc.) in Management
The University of Sheffield, UK / City Liberal Studies, GR; Grade: 69 /100.
Master thesis subject: Critical evaluation of the international expansion strategy of
ALUMIL SA: A case study.
10/1991-6/1996 University Degree (M.Sc. / Diplom-Kauffrau Univ.) in Business Administration
Friedrich-Alexander University Erlangen - Nürnberg, Germany
Grade: 2,2. Specialization: Industrial Management, International Economics
Master thesis subject: Problems and Perspectives of Greek participation in the
European Monetary Union
09/1985-05/1991 Greek School Certificate and German Abitur
Gymnasium & Lyceum – Deutsche Schule Thessaloniki (German School of
Thessaloniki), Greece. Grade: 1,5
09/2007 –12/2007 Diploma in International Financial Reporting Standards (IFRS), organized and
supervised by the A.I.A. (Association of International Accountants), UK
SEMINARS
08/2013 Loan Operational System, Equation System and Citrix databases
PIRAEUS BANK S.A.
06/2006 Seminar in International Accounting Standards
EGNATIA BANK S.A.
02/1998 – 04/1998 Seminar in “European Integration”
Representative Team of the European Committee in Greece
12/1998 – 05/1999 Seminar in “Credit Risk Analysis”
EGNATIA BANK S.A.
SKILL PROFILE
Languages Greek: Native speaker
English: Fluent written and spoken (05/1999: Proficiency of Cambridge University)
German: written and spoken (05/1991: Abitur)
Spanish: Fluent written and spoken (05/1998: Diploma Superior)
Portuguese: working knowledge
IT & Computer Skills: MS-Office, Internet, Databases, Citrix
Communication
Skills:
Excellent communication skills along with team spirit
Capable of working and living in a multinational environment
Interests: Travelling in foreign countries and getting to know different cultures,
Latin American music and cinema, jogging, reading
Extra-Curricular: Member: Economic Chamber of Greece, Thessaloniki and of ‘Federico Garcia Lorca’
Hellenic – Hispanic Association, Thessaloniki
REFERENCES Available upon request